Question regarding applying for Chase Slate and authorized user

[marcforza1]

I plan on applying for a Chase Slate card tomorrow and kind of wondering if I will get approved for it after looking at my EX report. My stats are in the signature and the only account I have open is from my wife's Chase Freedom card, which I'm just an authorized user on it. She's currently paying a $1300 amount that she tranferred and could be the reason why my EX score is so different than my other two. I have no other debts on my side and have a $235 collection bill that hasn't cleared yet on my report since I paid it in October. Here's my other info:

Utilization: 46% (though I don't use the card and it was 2% throughout 2016)

Hard inquiries: 0

History: 10+ years

Payments: 100%

So, being in Indiana, do you think that I'll be fine with getting the Slate once I go to the bank tomorrow? I prequalified for the Slate, Sapphire Preferred and Discover IT cash back cards online as well as received several prequalified letters for the Slate last month. 

[SouthJamaica]

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@marcforza1 wrote:

I plan on applying for a Chase Slate card tomorrow and kind of wondering if I will get approved for it after looking at my EX report. My stats are in the signature and the only account I have open is from my wife's Chase Freedom card, which I'm just an authorized user on it. She's currently paying a $1300 amount that she tranferred and could be the reason why my EX score is so different than my other two. I have no other debts on my side and have a $235 collection bill that hasn't cleared yet on my report since I paid it in October. Here's my other info:

Utilization: 46% (though I don't use the card and it was 2% throughout 2016)

Hard inquiries: 0

History: 10+ years

Payments: 100%

So, being in Indiana, do you think that I'll be fine with getting the Slate once I go to the bank tomorrow? I prequalified for the Slate, Sapphire Preferred and Discover IT cash back cards online as well as received several prequalified letters for the Slate last month. 

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Chase usually pulls EX, so maybe you'd better wait.

[marcforza1]

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@SouthJamaica wrote:

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@marcforza1 wrote:

I plan on applying for a Chase Slate card tomorrow and kind of wondering if I will get approved for it after looking at my EX report. My stats are in the signature and the only account I have open is from my wife's Chase Freedom card, which I'm just an authorized user on it. She's currently paying a $1300 amount that she tranferred and could be the reason why my EX score is so different than my other two. I have no other debts on my side and have a $235 collection bill that hasn't cleared yet on my report since I paid it in October. Here's my other info:

Utilization: 46% (though I don't use the card and it was 2% throughout 2016)

Hard inquiries: 0

History: 10+ years

Payments: 100%

So, being in Indiana, do you think that I'll be fine with getting the Slate once I go to the bank tomorrow? I prequalified for the Slate, Sapphire Preferred and Discover IT cash back cards online as well as received several prequalified letters for the Slate last month. 

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Chase usually pulls EX, so maybe you'd better wait.

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I saw in some credit pull reports that they use TU in Indiana. So, how long do you think I should wait? Wife is making $50 payments on time every month on her charge. Or should I look to apply for a different card that doesn't use EX? This would be my first card in almost three years that I'm applying for. 

[SouthJamaica]

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@marcforza1 wrote:

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@SouthJamaica wrote:

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@marcforza1 wrote:

I plan on applying for a Chase Slate card tomorrow and kind of wondering if I will get approved for it after looking at my EX report. My stats are in the signature and the only account I have open is from my wife's Chase Freedom card, which I'm just an authorized user on it. She's currently paying a $1300 amount that she tranferred and could be the reason why my EX score is so different than my other two. I have no other debts on my side and have a $235 collection bill that hasn't cleared yet on my report since I paid it in October. Here's my other info:

Utilization: 46% (though I don't use the card and it was 2% throughout 2016)

Hard inquiries: 0

History: 10+ years

Payments: 100%

So, being in Indiana, do you think that I'll be fine with getting the Slate once I go to the bank tomorrow? I prequalified for the Slate, Sapphire Preferred and Discover IT cash back cards online as well as received several prequalified letters for the Slate last month. 

---

Chase usually pulls EX, so maybe you'd better wait.

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I saw in some credit pull reports that they use TU in Indiana. So, how long do you think I should wait? Wife is making $50 payments on time every month on her charge. Or should I look to apply for a different card that doesn't use EX? This would be my first card in almost three years that I'm applying for. 

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Maybe you're right, I really don't know.

[marcforza1]

Got approved for the FU with $3500 limit. I was very surprised that I got it without any questions.

[SouthJamaica]

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@marcforza1 wrote:

Got approved for the FU with $3500 limit. I was very surprised that I got it without any questions.

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Congratulations, glad that I was wrong, and that you didn't follow my advice

Now be sure to let us know if they pulled EX or TU

[marcforza1]

I should get the card in a few days and I'll let you know which one they pulled.

[kidink1911]

Chase has several criteria that they look at when reviewing credit card applications. If your FICO score is low, the key offsets are high income level, low debt-to-income ratio, and low utilization on other accounts. I was recently pre-qualified for the CSP and thought long and hard about applying also. I applied on-line and was approved in about 15 seconds (with fair credit and low utilization on other cards and high income). Glad for the 50,000 bonus points I will earn during the first three months! I say go for it!

626-EX

585-TU

614-EQ

CSP- $8K, JetBlue MC- $5K, Walmart MC- $2.4K, CO Quiksilver- $2K, CO Platinum- $1.5K, CF- $500, Credit One- $450, Milestone- $300