thin file cards???

[Anonymous]

so my wife applied for Chase Hyatt card and was denied due to thin credit card file she is AU for my Freedom... recon didn't help...  she got approved for BoA cash back and I want her to apply to Disco... I'm wanting for her to eventually get a Freedom unlimited, CSP, Hyatt and IHG... how many cards and time do you think would give her a thick enough file to start getting approved for these cards? I called Chase recon to ask general questions about what UWs are looking for and he was treating me like I was getting too personal with their trade secrets or something... any advice?

also, I have heard of people product changing from freedom to unlimited... can a person change from unlimited to freedom? I love taking advantage of the 5% categories. thanks, Johnny 

[Brian_Earl_Spilner]

Chase requires a 1 year history to be considered. In addition, she should have a minimum of 3 cards for optimum revolving lines scoring.

[Anonymous]

I've read multiple times on these boards that Discover and Amex are thin file friendly. Discover gave me my first card with no credit history (though it is a secured card.) Best of luck!

[Anonymous]

BoA is as well..
Just trying to figure out what chase uses are looking for to no longer be considered thin file... We have been customers since 2003 and even paid off 30 year mortgage in 6 years with them. Recon still said no.

[Anonymous]

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@Anonymous wrote:
BoA is as well..
Just trying to figure out what chase uses are looking for to no longer be considered thin file... We have been customers since 2003 and even paid off 30 year mortgage in 6 years with them. Recon still said no.

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You say we but if everything was under your name technically that's just you. Thing is there are so many little things that play a role in these decisions that no one can tell for sure. And some may not even sound logical.

As far as i know you can PC the CFU to Freedom.

[Anonymous]

@AKJohnny

Now that you and your DW know that BofA, Amex and Discover

are all thin file friendly, then the best way to get Chase's business

is to ignore them completely. Don't give away your personal power

by trying to app with someone who doesn't want your business,

even if you did pay off your mortgage early with them. That tells me

Chase is all about their money, but they don't appreciate your business.

Fine then. So don't give it to them. Once Chase sees the DW's profile

popping up with several BofA, Amex and Disco cards, they will beg her

to give them her business. And if not, so what? You guys call the shots.

Chase isn't as loyal to you as you are to them. So let your $$$ do the talking.

[SouthJamaica]

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@Anonymous wrote:

so my wife applied for Chase Hyatt card and was denied due to thin credit card file she is AU for my Freedom... recon didn't help...  she got approved for BoA cash back and I want her to apply to Disco... I'm wanting for her to eventually get a Freedom unlimited, CSP, Hyatt and IHG... how many cards and time do you think would give her a thick enough file to start getting approved for these cards? I called Chase recon to ask general questions about what UWs are looking for and he was treating me like I was getting too personal with their trade secrets or something... any advice?

also, I have heard of people product changing from freedom to unlimited... can a person change from unlimited to freedom? I love taking advantage of the 5% categories. thanks, Johnny 

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My advice for a person with a thin file is to join a credit union; they seem to prefer 'thin' files to 'thick' ones, and their terms are usually much better. If you only want to look at major commercial lenders, I guess Discover and Capital One are the ones to look at.

I don't know the answer to your Chase product change question.

[Anonymous]

I agree but chase has half a dozen cards we really want and are willing to jump thru some hoops to get them. I already switched my checking and savings accounts from them

[signaturecardmember]

She is on right track with BOA card, also you have right idea with Discover card. As others said she needs 1 more for best scoring so American Express Everyday or similar is a good choice. Chase does like 1 year history but they do have some "starter" limits for the Freedom Line so she could possibly get that now. Hope this helps!

[SouthJamaica]

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@Anonymous wrote:
I agree but chase has half a dozen cards we really want and are willing to jump thru some hoops to get them. I already switched my checking and savings accounts from them

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Chase is usually looking for at least a 1-year active credit history.

And if you're looking for one of the cards with a high minimum balance

(Sapphire Preferred or Sapphire Reserve) they will also be looking for

a balance as high as the minimum on the card for which you're applying.