Chase

[tntexans72]

What is the hardest chase card to get?

[Anonymous]

Palladium

[CreditCuriosity]

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@Anonymous wrote:

Palladium

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Well it might be the easiest assuming you have 250k with Chase I assume a 600 Fico would get approved for it as with that kinda money with Chase it kinda is a "secured" card lol

[tntexans72]

So if your scores are 500s and you have $250k you can get this card?

[CreditCuriosity]

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@tntexans72 wrote:

So if your scores are 500s and you have $250k you can get this card?

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If you have 250k with chase it is quite possible as they have 250k of your money and if you defaulted in theory they could just take from that money and if you have that kinda money most likel you aren't going to default on a CC of say 20k-30k CL.  So ya 500's it might even be possible.  You are in a different league if you let them manage that kinda of money for you.  Just my take on it others might disagree or can prove otherwise., but I think it is plausible

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

Palladium

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Well it might be the easiest assuming you have 250k with Chase I assume a 600 Fico would get approved for it as with that kinda money with Chase it kinda is a "secured" card lol

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Chase freedom only requires $10,000 in your account. So technically, palladium is still the hardest card to get

[Closingracer99]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@Anonymous wrote:

Palladium

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Well it might be the easiest assuming you have 250k with Chase I assume a 600 Fico would get approved for it as with that kinda money with Chase it kinda is a "secured" card lol

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Chase freedom only requires $10,000 in your account. So technically, palladium is still the hardest card to get

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It takes $0 to get a Chase Freedom in your Chase account because you're not required to have a chase account to have one.

As far as the other card goes it's not "Hard" to get you just need a ton of money in that account to get the card . Underwriting has little to do with it

[Discover2016]

I think the hardest normal card from Chase to get is CSP, Freedom and Slate if you have more than 5 new accounts in the last two years

[Anonymous]

Is there a specific Chase card you want?

[Anonymous]

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@CreditCuriousity wrote:

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@tntexans72 wrote:

So if your scores are 500s and you have $250k you can get this card?

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If you have 250k with chase it is quite possible as they have 250k of your money and if you defaulted in theory they could just take from that money and if you have that kinda money most likel you aren't going to default on a CC of say 20k-30k CL.  So ya 500's it might even be possible.  You are in a different league if you let them manage that kinda of money for you.  Just my take on it others might disagree or can prove otherwise., but I think it is plausible

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I don't think Chase could do that without a customer's explicit agreement that the assets would serve as collateral. A secured/collateralized card would have to be described as such.

If someone moved assets away from Chase, Chase might close the CC account promptly, but that wouldn't make a bad debt any more collectible.

If someone is facing foreclosure or a business failure with limited personal recourse, defaulting on $20k in CC debt doesn't make things so much worse.

So I doubt someone with a FICO in the 500's would be eligible for a super-premium unsecured card based on assets alone.

I wish this was a thread about Citi, so I could make a HyperDiamond Preferred mineralogy joke.