chase approval process

[Anonymous]

Hello,

          I am interested in knowing chase's thought process when it comes to the approval process. I have applied for their Freedom card multiple times and been rejected each time. But when I applied for the Amazon Prime Visa Signature card; applied as a impulse more than anything, they approved me after the 'two weeks' message with an $800 CL. About three months later I applied again for the Freedom card and they denied me again, saying my credit profile was too short. I would assume that the freedom would be easier to get than the Amazon, so you can understand my frustration.

I have a Discover 2k limit, QS 1100 CL, and my Ammy card with now a 1300 CL. Discover FICO 712

[Anonymous]

How old are your cards? The Amazon Visa is a co-branded card, supposedly easier to get than Freedom.

Chase "likes" a minimum of one year history, with at least one card. They also seem to prefer a few months between your most recent card and when you apply with them. But, Chase seems to have many variables... in other words, be patient.

[Anonymous]

Must be age then. My QS is the oldest at 4 months at time of last freedom app, the Amazon card was 3 months old at the time.

[xaximus]

I would definitely wait with Chase. It took me awhile to get one with them, upwards of 6 months, and even that was a low CL. Chase likes to see consistency and age.

[Anonymous]

I just apped  for chase amazon and was denied. Called for recon and was denied again but the rep was amazing about walking me through my report and what I needed to work on. I’m just rebuilding my credit and he said I’m definitely in the “upward mode.” They don’t like new credit. They seem to want proven credit I have one paid collection and that wasn’t as big an issue as was the fact that my available credit was so young and low. I have an unsecured personal loan (paid on time religiously) which made my credit profile seem as if I was consolidating credit and then getting new cards (not the case). This is a red flag for them with people with new credit. He said I  needed to have more established credit to offset the loan. This would give more balance to my report. So I’m going to tweek it a bit and try again in 6 months. Chase seems unlike any other bank.