Approved or Not?

[Charnele1989]

Here is the situation, I had a chase credit card in 2008 and I'll was not responsible. In 2009 I settled in for less than half. I have tried to goodwill chase but they refused to remove it.

My scores are as follow (I'm in Ga by the way) Transunion 682 Experian 628 my fico 612. Do u think chase will approve me. My UTI is 16%.

[Anonymous]

Check for pre-qualified offers:
https://ccsic.fni-stl.com/redes/index.php/chase_app/psonmarketplace.pl?jp_ltg=masthead&OVERRIDE_CELL...

If none show up, you might be gambling a HP.

[Charnele1989]

No pre approvals for chase. Would I be better off trying barclay or citi?

[coldnmn]

Chase blacklists it's been 16 years for me still no. YMMV

[Anonymous]

---

@Charnele1989 wrote:
No pre approvals for chase. Would I be better off trying barclay or citi?

---

Personally, I only apply to cards that I have been offerred. Have you tried citi's and barclays pre-qual sites?
https://www.citicards.com/cards/credit/application/flow.action?isInvitation=N&OC=CC-CITI-CITI
https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action

Typically, if there is an offer on the table, it could be worth the shot.

I am holding off on a Barclay account until I am ready to upgrade my Macbook. The Citi account I had received mail offers on so I figured there would be a good shot at approval.

You can apply to Chase, likely though, it will be denied and you will need to recon. The good thing about Chase is they have an great recon department. But, they do like to see responsible account management especially for a recon. What other cards do you currently have?

[Creditaddict]

Chase will pull EX for the app so that's a bit low.

I would do Barclay with your 682!