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So, I thought I'd share my convo with Chase credit rep with everyone. I was curious about a few known but unofficial prerequisites. I'll just list'em out below.
1. Credit profile with CC w/ 5k limits. --- Chase rep confirmed that is taken into consideration for approvals.
2. Being a Chase customer--- Rep also confirmed this is another aspect which increases approval odds.
3. Annual Income--- Rep also confirmed this weighs heavily on approval odds IF baddies present i.e Lates or AAOA is not up to snuff.
Gotta say I was very surprised with the honesty or perhaps how forthcoming she was regarding these unofficial prerequisite's. I have some 30day late baddies that are over 1 1/2 years old which stops me from app'ing, I meet all the other 'criteria'. Oh and this is my trophy card.
Man, I wonder how they feel about lates from 2007? I want to apply to this card next month. I tried getting an Amex BCE yesterday and was instant denied with my 734 FICO .
@E150GT wrote:Man, I wonder how they feel about lates from 2007? I want to apply to this card next month. I tried getting an Amex BCE yesterday and was instant denied with my 734 FICO .
How long did you have the Amex Green? 734 should be instant approval!
My scores are lower with instant approval, 5 months with Amex Green, 14 INQs.
You'll have to remember that AMEX has it's own internal risk score. Your external CRA score could be high but sometimes that just doesn't cut it for AMEX. I know, I applied for a BCP last year and was told I have had too many INQs and my that my internal risk score was too low. I will try for the TrueEarnings once I get my house closed. By then 6 months would have passed since my last app.
I got the green in Nov. I think its because amex must have used the last soft pull which was in january and I had high util. I looked up my experian report and it hasnt showed any recent SP's. I really want the CSP and I am waiting my reports to update for that. Im just hoping the lates from 07 arent a problem
Good luck with the app! CSP is the last card I would love to get myself Gardening for CSP....ha ha
@lg8302ch wrote:Good luck with the app! CSP is the last card I would love to get myself Gardening for CSP....ha ha
Same here... I will app when my freedom hit 1 year or app it in 2014.
@armbenderc wrote:
@lg8302ch wrote:Good luck with the app! CSP is the last card I would love to get myself Gardening for CSP....ha ha
Same here... I will app when my freedom hit 1 year or app it in 2014.
Oh..nice to know that I am not alone - lets see if we can resist temptation until 2014