cancel
Showing results for 
Search instead for 
Did you mean: 

Weird Chase cards approval

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Established Member

Weird Chase cards approval

So my profile just hit 1y last month and I'm so over of 5/24, I know the chase cards are not for me. However I'm a big fan of Amazon and Whole Foods so I always wanted to apply for the Amazon card. Just found out that there are some cards ain't affected by 5/24, and Amazon is one of them. As the Prime day was coming, I felt the necessity of owning an Amazon card. I apped for it a couple days ago, it turned to be under "review", so I called the rep right after. The rep just asked me to verify my phone number(texted me a code) then told me that my app's approved, with $1K SL. Yay! Well, I was like playing treat or trick on Halloween, was given one and only candy that it's super small. This is the second minimal SL I got (the absolute minimal SL is from Cap One which is bucketed at $750). All my other 5 cards are from $2K-5K excluding the AMEX charge card. My credit score is 730ish, 7 hp in 1yr, 3 in 6mos/1mo, including the one from this app by chase.

 

After the approval of Amazon card, I submitted the IHG app within the same day to maximize the utilize of that hp. Still went to review, then I almost forgot about it. Couple days later, a new account appear in my Chase app, so I clicked on it, finding that that's the IHG card! With SL almost 17K!! I have no idea why I got only 1K on Amazon but 17K on IHG. Basically I would like the Amazon card to be my daily drive bc of its 5% at Amazon and Whole Foods reward structure, and put IHG in drawer to get FreeNight every year after paying $90 AF.

Message 1 of 10
9 REPLIES 9
Valued Contributor

Re: Weird Chase cards approval

Congrats on the double approval. You should be able to move some of the IHG limit to the Amazon to give yourself some utilization room. Chase experts here will likely be able to elaborate that point.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 2 of 10
Frequent Contributor

Re: Weird Chase cards approval

Wow!!! Great approval!!
Message 3 of 10
Valued Contributor

Re: Weird Chase cards approval

Great story, b6. Congrats!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 10
Established Contributor

Re: Weird Chase cards approval

Congrats on the approvals! Smiley Happy




Message 5 of 10
Valued Contributor

Re: Weird Chase cards approval

Congrats on both approvals!! I believe if you call EO or Customer Service, they should be able to guide you on re-aligning your credit. Keep in mind though (if I'm wrong, feel free to correct me), on co-branded cards, especially from different brands, I'm not sure if they can move limits. (As before, I may be wrong, experts, please chime in)


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 6 of 10
Senior Contributor

Re: Weird Chase cards approval

Congratulations on your approvals!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 10
Senior Contributor

Re: Weird Chase cards approval

Great story , great data points , Congrats on approvals on both cards , Monster SL on IHG !!!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 10
Established Contributor

Re: Weird Chase cards approval

Congratulations on the double approval and that major limit on the IHG!

Fico Scores as of March 2019: TU:765 EQ: 775 EX: 755 Fico Goals: TU: 770+ by 12-2019 EQ: 770+ by 12-2019 (achieved) EX: 780+ by 12-2019
Message 9 of 10
Frequent Contributor

Re: Weird Chase cards approval

Congrats! Yes call them up if you havent yet, they can definitely move your credit lines around, that's what I did when I got my IHG card, didn't feel like I needed more than 5k on the amazon so moved the difference to IHG as we have more use for it.

F08 | EXP 770 | TU 807 | EQ 761 | 1% Utl | 3/23/19 Goal: 760+ Across the board | AMEX Platinum NPSL (30k Pay Later) | AMEX Gold NPSL (30k Pay Later) | PenFed Platinum Rewards VS 50k | DiscoverIT 44k | Cap One QS VS 26.5k | Chase Sapphire Reserve VS 25k | AMEX Blue Cash Preferred 25k | NFCU Flagship Rewards 25k | NFCU GoRewards VS 25k | Ebates 25k | PenFed PLOC 25k | Credit Union of Colorado 18.5k | Citi Double Cash WEMC 18.3k | Chase Freedom VS 18k | Alliant VS 15k | Bank of America Premium Rewards VS 15k | Bank of America Cash Rewards VS 12.9k | NASA FCU 11.9K | Citi Rewards + 8.5k | US Bank Cash+ VS 7.5k | Barclays Arrival + WEMC 7.5k | Chase IHG 7.5k | Chase Amazon VS 5k | Paypal Credit 4.5k | AAoA 5.8yr
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.