Does chase consider an authorized user as a relationship when approving applications?

[Anonymous]

I've heard several people who didn't have the best score get approved for various chase cards, but had mentioned they have banked with them several years. It's been mentioned they like those relationships. I am an authorized user on a chase card that is 24 yrs old and has a 20k limit (and is always paid). Do you think that will make a difference if I applied for one of their cards? I have 639 EX, I don't know the others. I only have one card, Cap One card 3250k 15 months old but never late. My score is down because of a student loan (actually 2 loans I thought was 1) I had neglected for a year (before I understood fico scores). I have been paying it but less than a year. Was hoping being an authorized user on one of their cards would help. Thanks for any input!

[Anonymous]

You don't know unless you apply. If you get the 7-10 day message or are rejected, call their reconsideration line.

Chase Credit Card Reconsideration

• 888-270-2127 (personal credit analyst, 7am-10pm EST M-F; 8am-10pm EST Sat. and 9am-9pm Sun.)
• 800-453-9719 (business credit analyst, 8am-10pm EST M-F)

[Anonymous]

I don't think the AU would make a difference as to your relationship with Chase, but I could be wrong. It does factor into your scores though. Before you app, try their preapproval site. Their prequals seem pretty solid.

[Anonymous]

Try the prequel site and see what pops up. Having a relationship does help with chase. I got my freedom two months after paying off all of my baddies and starting my rebuild. But I have banked with them in the past, have a mortgage, two car loans paid off with them prior to my app.