@Anonymous wrote:I'm not past begging...so hit up some family that had existing chase accounts and got myself added as an AU on an existing Chase card.
Now I will let that simmer for a few months and see if some offers come in
Taking the fishing approach to this and baiting that rod a bit.
Well, I dont think you did yourself any favors there
AU account is another additional new account. It doesn't matter when it was opened. If your CR is pulled, it will let the lender know when you were added. You're one account closer to 5/24, without getting any rewards yourself.
AU account will not make getting your own Chase card any easier
The limit on that account is going to be irrelevant to your situation because you're not responsible payments on that account.
If the utilization on that account goes up, it will affect you also.
Do you share the address with the primary account holder?
Not really knowing much information reflecting your reports and history, my best advice is to;
1) Continue mingling here on the forum and heeding advice from a wealth of knowledge.
2) Garden for 6 more months, paying down any utility to less than 8%.
3) Hop on to Chase.com, sign in often, be aware of slick offers popping up around the site.
4) Keep your credit-nose clean.
Some say that the balance of your checking account does little to nothing, but my personal 10year experience with Chase says otherwise. They seem to play a lot nicer with me when my account is above 5K. YMMV 🤷🏽♂️
1) Continue mingling here on the forum and heeding advice from a wealth of knowledge.
2) Garden for 6 more months, paying down any utility to less than 8%.
3) Hop on to Chase.com, sign in often, be aware of slick offers popping up around the site.
4) Keep your credit-nose clean.
Some say that the balance of your checking account does little to nothing, but my personal 10year experience with Chase says otherwise. They seem to play a lot nicer with me when my account is above 5K. YMMV 🤷🏽♂️
I’ve seen AU accounts help people that otherwise wouldn’t be qualified get approved for Chase cards specifically. However, without info about what other cards you have, it’ll be difficult to know your odds.
[2/2019]
I apped 6/9-6/10 for the CSP, Chase approved me for the sapphire preferred a few days later - tuesday ish maybe for an 18,700 SL @22.24%(i think) and offered to expidite the card. My scores at that time were low 680's on EX & EQ. Im not sure how i got that high (to me) of an SL with a bank I've had no prior relationship with... I have recently read somewhere on here Chase does some factoring in of AU accounts and if thats the case I'm an AU on my GF's Southwest card it has a 5400 limit and currently we've ran almost 20k through it in about 4 months (the reason I think I got approved more and more after the Chase factoring in AU's comments I've seen here). I do have a collection due to fall off next month and it is on both the reports Chase pulled. If you do app and get approved, a word of caution, do not get trigger happy - I've read a ton on here about it Chase apparently has no issues closing the door on you if they dont like they see after they approve you (they'll preform SP's to see what you've been up to, Ive had 2 SP's since I apped for the CSP and I'm sweating a little but so far account is still open!).
@bourgogne wrote:how much did the au account inflate your real fico score? if you dont have decent income and a score 720+ generally you are looking at a low sl from chase
The AU account reported and raise my score by 24 points!
Just updating as I said I would 