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Chase

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Established Member

Chase

98A2D38C-8ED9-4EA1-B3D4-059438034752.png

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up. 

Starting Score: 560
Current Score: 630
Goal Score: 725


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Message 1 of 18
17 REPLIES 17
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Regular Contributor

Re: Chase

I believe offers through credit journey tend to be pretty solid pre qualifications! I would go with what fits your spend best. I have the freedom unlimited and it's a great card to get with easier underwriting than the other two so that one would most likely result in a definite approval since there is no credit limit minimum. 

i don't have a 2% back card and bank through chase so the 1.5% back on freedom unlimited is my best rewards card and the ease of use is pretty great. 

CSP is my next card this has a minimum limit of $5k so if approved you're guaranteed that. This has an af and uses ur points and is a very solid card and I really like it! 

CSR is the premium version with a minimum sl of $10k so if approved guaranteed that. This card has a high annual fee so I would recommend seeing which fits your spend best and go for that one! 

I would say you have a pretty good shot at it! Again the pre qualifications are pretty solid the two visa sig cards are a bit tougher to advise on whether or not they would be willing to lend out that much but I would just app for what works best for you! Goodluck! 

Amex Everyday $6000
Ashley Furniture Synchrony - $2500
CareCredit Synchrony - $1850
Chase Freedom - $1500
Amex Delta Gold - $1000
Chase Freedom Unlimited - $1000
CapOne Qs1 - $600
CEFCU - $500
CapOne QS - $300
NFCU - Secured $200
Starting Scores 2018 upper 400’s
Current Scores - 684 Ex Fico8, 671 TU Fic8, 653 EQ Fico8, 682 Ex Mortgage, 681 TU FICO 4, 678 Ex Bancard 2, 634 Ex Auto, 655 EQ fico 9
6/3/20 685 EX FICO8, 680 TU FICO8, 665 EQ FICO8, 695 EQ FICO9
Message 2 of 18
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Community Leader
Super Contributor

Re: Chase

Go for the card that you want and hopefully you'd find the most useful. 



(7/2020)
FICO 8 (EX) 784 (TU) 788 (EQ) 791
FICO 9 (EX) 805 (TU) 800 (EQ) 809

$1M+ club

Artist formerly known as ColdFusion
Message 3 of 18
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Established Contributor

Re: Chase


@Hinds1234 wrote:

98A2D38C-8ED9-4EA1-B3D4-059438034752.png

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up. 


Wow - the coveted BLACK Star. I absolutely NEVER see those! Smiley LOL (very envious) 

 

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings Smiley Happy





Potential Future Cards

Message 4 of 18
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Mega Contributor

Re: Chase

@Hinds1234, Congrats on your offers!

Go for the card that would fit your spending habbits the bestSmiley Happy

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 5 of 18
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Mega Contributor

Re: Chase


@Wavester64 wrote:

@Hinds1234 wrote:

 

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up. 


Wow - the coveted BLACK Star. I absolutely NEVER see those! Smiley LOL (very envious) 

 

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings Smiley Happy


@Wavester64, Never?

 

prequalified chase marriott.png

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 6 of 18
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Established Contributor

Re: Chase


@M_Smart007 wrote:

@Wavester64 wrote:

@Hinds1234 wrote:

 

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up. 


Wow - the coveted BLACK Star. I absolutely NEVER see those! Smiley LOL (very envious) 

 

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings Smiley Happy


@Wavester64, Never?

 

prequalified chase marriott.png


I mean me. Lol. I've been WITH CHASE  forever and never had one of those black stars. Smiley LOL





Potential Future Cards

Message 7 of 18
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Valued Member

Re: Chase

I also am pre-qualified for those three same cards with a solid APR and not a range.

 

Does that mean it's a verify good chance to be approved?  I'm torn between the CSR and CSP.

 

Trying to figure out which one is best for my spend and which is the better SUB.  


Heck, i might wait until my NFCU CashRewards card updates to the CRAs with its new CL of $5,500.

 

That might help me get approved for the CSR if I decide to go that route.  





Message 8 of 18
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Frequent Contributor

Re: Chase

What's funny is that 3 of my 4 Chase cards have come from black stars. Smiley Tongue

My original card was Chase Amazon. Then added CSP (upgraded to CSR the next year). Next was offered Freedom or FU (took Unlimited). When I opened a business checking account they offered me an Ink card at the same time which I took. 

I'm ALWAYS lol/24 (like 9/24 right now) so it's the only way I can get Chase cards. 

I can't complain too much. The cards have grown well for me:

 

CSP: 12.5k > 15k (auto) > 32k (HP) > 35.9 (auto)

Freedom: 8k > 10.5k > 20k (done with same CSP HP > 30k (auto) > 32k (auto)

Amazon: 8k > 15k (auto) > 19k (auto)

Ink: 1k > 7k (auto)

 

To be honest I never used the Ink and it got the CLI. I had it for the hidden TL but with such small limit I really had it SD'ed. It was not till this year I changed my Verizon Fios and cell to the card automatically. 

Message 9 of 18
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Frequent Contributor

Re: Chase

(Back in the day they were green stars if I remember correctly!)
Message 10 of 18
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