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Again, out of curiosity, which Chase product is the most lenient on scores/baddies/util/etc.
Thank you as always for an replies!
@QAMngrGirl wrote:Again, out of curiosity, which Chase product is the most lenient on scores/baddies/util/etc.
Thank you as always for an replies!
Either Slate or Freedom. They are sticklers on current CC history in your name tho, at least 1 year.
Thanks all
Don't know what I may app for in a few months. I have seen some good benefits/rewards for Chase, however, I do not want to open a checking account to "up" my approval chances. Been witness to some less than stellar branch customer service, including helping with fraud resolution on their debit cards
@SnackTrader wrote:
From LS's post: Either Slate or Freedom. They are sticklers on current CC history in your name tho, at least 1 year.
I know we have had this discussion before, but just to clarify I think this is YMMV. I had only 6 months of CC history before getting an instant approval on Freedom with the lowest interest rate. Of course, I had many other installment tradelines reporting, but 1 year of CC is clearly not a rule based on my experience.
Yes it is YMMV.
It's not a rule but a thin file will more than likely result in a denial for insufficient credit history.
I am thinking of the Disney Card, where would you put that card?
Slate easiest
Disney?
Freedom
SPC hardest?
The Freedom is generally seen as Chase's entry-level card. Given their target audience, I would also assume that the Disney card is also quite easy to get.
The Slate seems like a bit of a mixed bag. People get it primarily for a BT, so what kind of CL you get seems to be based on their assessment of how profitable you'll be in that BT. If Chase is concerned that you'll be unable to repay a large BT amount, they may only give you a small CL upon approval.