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Chase FU Bucketed?

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Valued Contributor

Re: Chase FU Bucketed?

You'll definitely have a better chance in getting the CSP vs. CSR. Even then, I think your scores are a bit low for the CSP. With COs and medical things to work out, I personally would wait till you have a cleaner file. Chase is pretty conservative and finicky at times.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 11 of 15
New Contributor

Re: Chase FU Bucketed?

Thanks, do you think a Savor or Savor One would be more of a possibility? Looking for a solid No FTF card for Europe next year.
Message 12 of 15
Senior Contributor

Re: Chase FU Bucketed?


@Tito1183 wrote:
Thanks, do you think a Savor or Savor One would be more of a possibility? Looking for a solid No FTF card for Europe next year.

If you looking for a travel/no ftf card for a trip next year, then I would hold off applying for new accounts. Let your current accounts age, get your utilization below 8.9% and work on the baddies. 

This will improve your chances on getting a CLI for the Freedom U and a CSP approval.

 

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 13 of 15
New Contributor

Re: Chase FU Bucketed?

Yeah, not applying for anything till Dec - Feb that’s when I’ll be under 5/24
Message 14 of 15
Established Contributor

Re: Chase FU Bucketed?

Based on the time line I have to say you probably requested the CLI too early. Chase generally only does CLI's every 6 months at the earliest. I see only about 3-4 months there at the beginning. Also Chase is known to use predecessor defaults against people so your hanging WaMu out to dry will not go over well. What you can get will depend on your FICO score and how cruel Chase wants to be. Generally you want to garden for now and see what you can do about the collections as those are the most likely thing tanking your score.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VSC, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V(Pending Close?), FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 15 of 15
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