cancel
Showing results for 
Search instead for 
Did you mean: 

Finally made into chase ecosystem but I have questions

tag
chop2
Member

Finally made into chase ecosystem but I have questions

So ive been on a app spree lately and crazy enough I thought I wouldn't be eligible for the chase cards due to 5/24 and I never got a pre qualification offer but Saturday while on Amazon I seen I had a pre qualifying offer so I pulled the trigger and got the 7-10 day message I called Monday and they stated that I was still in review so I asked for a recon today a chase car called me and ask me to verify some info and boom approved ! But only for $500. So I got some questions for one do the limits grow on chase cards it's literally my lowest limit on all my new cards and 2 is the underwriting easier on the co brands then the regular chase cards I should've did more research and tried for the southwest card or the United card since I use the airlines more 

10-6-19 Ex591 eq565 tu605
10-27-2024 ex 684 eq 668 tu 692
Cards
Us bank Korean air secured $300
Usaa Amex $1500
Mercury card $500
SECU aspire $4800
amex delta gold $1000
bread rewards $2200
MyBJ elite $4700
chase amazon prime $500
Sdfcu $30000
Td bank cash $2500
truist enjoy beyond $5500
discover secured $1000
Barclay aa aviator $3000
sak WMC $4400
military star $4325
Message 1 of 9
8 REPLIES 8
Snook_on_the_Line
Established Contributor

Re: Finally made into chase ecosystem but I have questions

The Amazon and the prime cards are considered co branded cards.      

I've had the prime card for three months and already got a requested CLI 

 

try after three months of paying in full.     
I would call vs using the website.    

the website requests are open ended.  
meaning your just requesting an increase, but not for any specific amount 

 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 2 of 9
JoeRockhead
Senior Contributor

Re: Finally made into chase ecosystem but I have questions

The 5/24 rule is relaxed on the Amazon cards, and yes underwriting on their core cards is more stringent. 

 

 

Looks like you just barely made it in the door, might consider gardening a while. Congratulations on your approval. 

Message 3 of 9
NoMoreDebt
Senior Contributor

Re: Finally made into chase ecosystem but I have questions

congrats

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 4 of 9
zerofire
Valued Contributor

Re: Finally made into chase ecosystem but I have questions

Congratulations on your new found liquidity!

 

You scraped in just under the wire. I am fairly sure that the only reason it slipped to approval is because Amazon was vouching for you. Normally Chase would not like cutting so close to the edge but on the Amazon cards they are willing to be more lenient. The core products are definitely much harder to get and the co-branded airlines are only slightly easier. Chase offers the option for CLi's later on as your reputation improves as the key is to be in the system first. Amazon likes to vouch for their customers to at least get the minimum because they like repeat clients. Most airlines will want to see better loyalty first so you will need to garden for that idea to work.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It C, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 5 of 9
SFO-Tokyo
Member

Re: Finally made into chase ecosystem but I have questions

Congratularions!

Message 6 of 9
Rebuild2019
Valued Contributor

Re: Finally made into chase ecosystem but I have questions

Congrats on your approval @chop2 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 7 of 9
chop2
Member

Re: Finally made into chase ecosystem but I have questions

@zerofire  i do feel that way!

i made it my the hair on my chin lmao

i got the denial letter but i called on to recon before i got the letter. the card and letter came on the same day.

how do chase cli work be my limit is so small and do the care about 5/24 with the united card?

10-6-19 Ex591 eq565 tu605
10-27-2024 ex 684 eq 668 tu 692
Cards
Us bank Korean air secured $300
Usaa Amex $1500
Mercury card $500
SECU aspire $4800
amex delta gold $1000
bread rewards $2200
MyBJ elite $4700
chase amazon prime $500
Sdfcu $30000
Td bank cash $2500
truist enjoy beyond $5500
discover secured $1000
Barclay aa aviator $3000
sak WMC $4400
military star $4325
Message 8 of 9
CreditAggie
Community Leader
Super Contributor

Re: Finally made into chase ecosystem but I have questions

Congratulations on your Chase Amazon approval! Chase will warm up to you with time. They approved $500 on my first card with them and I have since gotten two additional Chase cards and SP CLIs on each of them.

Current Cards (in order of approval):

         
Current FICO 8 | 9 (March 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.