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Chase United Explorer Approval - 646 EX8

quikj9
Regular Contributor

Chase United Explorer Approval - 646 EX8

I'm still a bit in shock as I'm well below the usual standard for this card, but this happened:

approval.JPG

 

$250 statement credit + 35k miles after $2000 spend

 

Still very much in the process of rebuilding, but I had a preapproval in the United app/website for this card. As I was sitting at 4/24, I really wanted my 5th card to be a Chase card, before gardening for the rest of the year. Given my current EX8 646 EQ8 640 TU8 619 FICO scores, it seemed like a tall ask. 

 

AAoA:  4 years, 5 months

AoOA: 7 years, 5 months

AoYRA: 4 months

 

2/12

4/24

 

Income: 70k

 

Paid CA still on reports along with a PIF CO with Wells Fargo. Neither will fall off before 2023.

 

HP on EX only. I'm in California. 

 

I'm a Mileage plus member who travels transcon quarterly between United hubs, on their metal, in a typical year. I'm also a skier, who likes to fly into DEN during the winter, so this card was a goal card of mine when I started my rebuild in Nov 2019 with scores in the low 500's. I noted some reports of Chase accepting people with scores in the mid 600's, but that seemed to be the exception not the norm. When I noticed I had a preapproval in the United app with a set apr detailed here in this thread, it seemed like I had a decent chance. I waited for my formerly secured Discover It to report its new $1800 limit before applying and was pleasantly surprised to see that I was approved. 

 

It feels like I got my first "big boy" card and I'm thrilled to have gotten my foot in the door with Chase. 




Message 1 of 16
15 REPLIES 15
gdale6
Moderator

Re: Chase United Explorer Approval - 646 EX8

Grats on your new UA card, good SL Smiley Happy

Message 2 of 16
CreditAggie
Valued Contributor

Re: Chase United Explorer Approval - 646 EX8

Congratulations on your United Explorer approval!

Current Cards (in order of approval):


Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:



Currently: 0/6, 0/12, 3/24
Message 3 of 16
Rebuild2019
Established Contributor

Re: Chase United Explorer Approval - 646 EX8

Congratulations 🎊🎉🎈 on your approval.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 4 of 16
AllZero
Super Contributor

Re: Chase United Explorer Approval - 646 EX8

Congratulations on your approval!
Message 5 of 16
blindambition
Community Leader
Senior Contributor

Re: Chase United Explorer Approval - 646 EX8

Congrats on approval and SL!!! Enjoy!!

Smiley Happy

Message 6 of 16
M_Smart007
Epic Contributor

Re: Chase United Explorer Approval - 646 EX8

Congratulations!

popcorn eating emoticon.gif
Message 7 of 16
Credit4Growth
Valued Contributor

Re: Chase United Explorer Approval - 646 EX8

👍 Nice grab, ...congratulations on the approval of one of your goal cards!

Current as of February 21st
TCL $126.6 - 2.#%UTL || - SL Balance $20.6K
FICO 08 EQ723, TU725, EX725 || Mortgage Scores: EQ 724, Tu 694, EX 726

PSECU || CHASE || NAVYFED || DISCOVER ||

Restarted my rebuild in April 2018

Gardening until Emerald Spade - Accomplished. 1st App on the list is AODFCU, next is TBD
Last apps: (2) August 18, 2019. Instant approvals but one account opened on the 19th
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 0/12 4/24 (based on DPs; 5/24, an AU from 8/16/2019) IHG
Dirty/Thick/Aged/ No New Acoounts


Message 8 of 16
MyFault
Valued Contributor

Re: Chase United Explorer Approval - 646 EX8

Congrats on your UA Explorer card!




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Message 9 of 16
MartyWrite75
Established Contributor

Re: Chase United Explorer Approval - 646 EX8

Congratulations on your approval!

February 2021: Experian 702 Equifax 704 Transunion 714


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $2,600 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $5,000 || Overstock Store Card: $4,550 || FNBO Rewards Visa: $2,600

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 01/11/2021 to 02/11/2022 (ideally)
Total Utilization: 15% (Met Goal)
Message 10 of 16
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