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Chase Amazon Visa & 5/24? Data Points

KJinNC
Valued Contributor

Re: Chase Amazon Visa & 5/24? Data Points


@High-hopes2021 wrote:

Adding my info in as I was approved for this card in early November of this year. My scores are at the time of approval were in 630-640 range. I was 9/24 due to a business loan in March, a mortgage app in April and several new cards since Fall 2020. I did the prequal app and was approved so went through and came back approved for $2000 on the Chase Amazon card. I only stepped out of the garden for that bc I had a big purchase I wanted to see if I could finance. After that within a few days I spree app'd for Target RedCard, Ulta, Apple Card and got approved on all. Heading back into the garden for at least year now lol. I'm now at 11/24 and scores in 650 range from the new accounts and paying down utilization on others


I believe Chase 5/24 is only about cards, not loans or inquiries. Congrats on your approval!


FICO Resilience Index: 59. Cards: 9/24, 3/12, 0/6. Accounts including loans: 12/24, 5/12, 1/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loans / Personal loan

Card CLs total $151,500, not counting the AU card. The AU card brings the total to $179,000. In 03/19, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, joined 1987, direct deposit; PenFed, joined 2019; Navy Federal, joined 2020; USAA, joined 2020; Chase Bank, joined 2020. Best: Coastal, worst: NFCU. I have had weird Keystone Kops customer service problems with NFCU several times, despite their reputation here.

Closed but still on reports: Discover, $3,100, 05/19-12/21; American Express Gold, NPSL, 08/19-06/21 | American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 51 of 65
FinStar
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@KJinNC wrote:

@High-hopes2021 wrote:

Adding my info in as I was approved for this card in early November of this year. My scores are at the time of approval were in 630-640 range. I was 9/24 due to a business loan in March, a mortgage app in April and several new cards since Fall 2020. I did the prequal app and was approved so went through and came back approved for $2000 on the Chase Amazon card. I only stepped out of the garden for that bc I had a big purchase I wanted to see if I could finance. After that within a few days I spree app'd for Target RedCard, Ulta, Apple Card and got approved on all. Heading back into the garden for at least year now lol. I'm now at 11/24 and scores in 650 range from the new accounts and paying down utilization on others


I believe Chase 5/24 is only about cards, not loans or inquiries. Congrats on your approval!


Correct.

 

@High-hopes2021 -- excluding the mortgage loan, business loans and inquiries, how many personal credit card accounts did you open in the past 12 and 24 months?

Message 52 of 65
FinStar
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@Remedios wrote:

Chase is still 2/30, correct? 


Yessum.  At least the last time I checked 😈

Message 53 of 65
Remedios
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@FinStar wrote:

@Remedios wrote:

Chase is still 2/30, correct? 


Yessum.  At least the last time I checked 😈


We texted again 👸

Message 54 of 65
High-hopes2021
Established Member

Re: Chase Amazon Visa & 5/24? Data Points

There's been 4 new CC accounts across the last 24 and 12 months. 1 of those I closed immediately before activating the card due to discovering they are a subprime lender. So technically 4 but with 3 open. 

Message 55 of 65
FinStar
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@High-hopes2021 wrote:

There's been 4 new CC accounts across the last 24 and 12 months. 1 of those I closed immediately before activating the card due to discovering they are a subprime lender. So technically 4 but with 3 open. 


So, technically based on what you just shared, you were not 5/24 (or greater) when you applied, is this correct @High-hopes2021?

Message 56 of 65
Remedios
Moderator

Re: Chase Amazon Visa & 5/24? Data Points

Since I was 4/25 when I applied, DPs are kinda useless other than the fact they honored $200.00 SUB from the pre-approval I did while back and two apps (kinda) close together. 

 

It's been ten days since CFF was approved (I'm not worried), the approval amount is almost identical to CFF $12,000.00, so with increase on CSR, $32,000.00 in two weeks from Mama Chase. 

Im now 5/24, but I'll be 4/24 in January 

 

Screenshots purely for fact checking purposes 

 

Screenshot_20211207-100707_Chrome.jpg

Screenshot_20211207-100447_Samsung Internet.jpg

 

Message 57 of 65
FinStar
Moderator

Re: Chase Amazon Visa & 5/24? Data Points

Congrats on another gem 🥳😜. Awesome!  I so knew you'd go for it 😂.

 

So, these DPs are definitely helpful from the 2/30 perspective and recently clearing the 5/24 hurdle. You should have done Ink, cuz you know...Jasmine's enterprise is suitable for growth + them URs are enticing 😎

Message 58 of 65
Remedios
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@FinStar wrote:

Congrats on another gem 🥳😜. Awesome!  I so knew you'd go for it 😂.

 

So, these DPs are definitely helpful from the 2/30 perspective and recently clearing the 5/24 hurdle. You should have done Ink, cuz you know...Jasmine's enterprise is suitable for growth + them URs are enticing 😎


You're supposed to summon me to your office Smiley Sad 

 

Cannot do Ink, no eBay login Smiley SadSmiley Sad 

 

Tis okay, Jasmine likes crispy bills Smiley SadSmiley SadSmiley Sad

Message 59 of 65
FinStar
Moderator

Re: Chase Amazon Visa & 5/24? Data Points


@Remedios wrote:

@FinStar wrote:

Congrats on another gem 🥳😜. Awesome!  I so knew you'd go for it 😂.

 

So, these DPs are definitely helpful from the 2/30 perspective and recently clearing the 5/24 hurdle. You should have done Ink, cuz you know...Jasmine's enterprise is suitable for growth + them URs are enticing 😎


You're supposed to summon me to your office Smiley Sad 

 

Cannot do Ink, no eBay login Smiley SadSmiley Sad 

 

Tis okay, Jasmine likes crispy bills Smiley SadSmiley SadSmiley Sad


We will deal with this later 👽👽 I have summoned your friends.

 

I'm glad to hear Jasmine has moved on to crypto currency 😂

Message 60 of 65
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