Chase Sapphire Approval with low scores

[MartyWrite75]

Congratulations on your SL!

[Anonymous]

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@tmtkidz wrote:
Yesterday, I walked in Chase bank in NYC to open up a business checking acct & business cc. After reading on this forum I was scared to apply especially after the banker told me that nothing came up for pre-approvals. Instead, I opened a personal & business checking account and that’s where my pre-approval was showing. We submitted and I was approved for $14,700 sl. Later, I applied for the Amex PRG and was approved. I’ve been working on my utilization so this is a surprise to me.
Cards CL Balance
PenFed promise 33k 31k
PenFed rewards 10k 8k
CapOne 3k 900
CreditOne 2400 1200

Scores EQ-665, TU- 634 and EX-657
Lost 2pts EQ so far/chase pulled from EQ & EX

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Congrats! Similar experience.. Chase loves my wife but not me. Well I'm 5/24 so that justifies it.

Wife's credit score is around 650ish. She got a CSR Targeted offer. Appd and was instantly approved for 10K.

Chase is weird..

[tmtkidz]

Congrats to your wife! I never thought about applying for anything from Chase except a business account and I was scared to apply for the business credit.

[sdsoccerdad]

Congrats!  Gives me hope to have a Chase personal card one of these days. lol.

[sdsoccerdad]

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@tmtkidz wrote:
Congrats to your wife! I never thought about applying for anything from Chase except a business account and I was scared to apply for the business credit.

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Which business cards did you apply for? Are you over 5/24?

[xaximus]

Congrats on the card! That's a killer SL to start off with. I'm with the above posts, I'd pay down the utilization as soon as you can, it's definitely dinging your scores.

[tmtkidz]

Thank you! Yes, I’m working on it. I will keep the group posted.

[tmtkidz]

I don’t have any business cards just a business checking account.

No, I only have the Chase and Amex since receiving my PenFed cards.