Chase United Explorer

[Anonymous]

Yesterday I was totally dumbfounded when I found out I was approved for this card. Against credit karma, experian, and credit sesames advice that I had a poor chance and my own knowledge that there was no way on earth Id get approved I went for it. The reason for poor approval is the fact chase has a 5/24 rule along with the amount of inquiries and new accounts I have opened the possibilities were slim. I am in the process of rebuilding my credit and I decided to mass apply build up overall credit limit and over the next two years let the inquiries fall and my accounts age. Anyways when I applied for the United explorer card I forgot unlock my experian credit report which automatically threw my application for review limpo. After 14 days again to my astonishment I was approved. 

[gdale6]

Sweet, enjoy your UE card & welcome to myFico

[M_Smart007]

@Anonymous, Congratulations on your Chase approval!

Any other Data Points you could share?

It could help other members make better informed credit decisions

ETA: Welcome to the forum.

[Anonymous]

Credit Scores

Fico 8

Experian: 729

Equifax: 687

TransUnion: 707

Total Revolving Credit: $43,000

Utilization: 2%
New Accounts in Last 2 Years: 22

2 Car notes: $78,000

Student Loans: $82,000

Late Payments: 0

Derogatory Accounts: 3 (>5 Years)

Inquiries: 18-40 Yes this is not by means ideal. Now that I have achieved my goal of reaching a decent total revolving credit my goal is to age my accounts.

Hope this helps.

[Anonymous]

Congratulations on your approval!

[Anonymous]

The other factor is knowing when your statement cutoff dates are. I always payoff my cards before my statement closes so that my cards show $0 on my credit report. 

[Rebuild2019]

Congratulations 🎉🎈🎊 on your Chase Approval!!!

[JLRDC909]

Congratulations on your approval. I was not approved and was 5/24 with NO recon. They wouldn't entertain the thought. Told me I had to be under 5/24. I do hear of this card being less strict but unfortunately I wasn't one they allowed through the cracks. 

[CreditAggie]

Congratulations on your United Explorer approval!

[Lou-natic]

Congrats!

Also further proof that Chase is...I don't even know. They apply their standards willy nilly it seems and it makes no sense.