Easiest Chase Card to get?

[09Lexie]

FWIW, when I spoke to CSR last year I specifically asked if the Slate was easier to qualify. I was told that they use the same UW criteria for Freedom/Slate.

[zerobacan]

If i apply for the csp, will they offer me the freedom if i dont qualify for it? I dont have a 5k cc. Its just 3800

[09Lexie]

@zerobacan wrote:
If i apply for the csp, will they offer me the freedom if i dont qualify for it? I dont have a 5k cc. Its just 3800


No, it would be a sep HP.

[Voodard]

Crazy thing about the Freedom card is that mine carries a ridiculous 22.99% interest rate! I have three cards with Chase: CSP @ 13.74%, United MP Explorer @ 15.74%, & the Freedom. Once the 0% interest is done it looks like the Freedom card is going to be used for the quarterly bonus spend only. (I carry balances for about 6 mos average on my cards)

[enharu]

Chase cards in general are harder to get compared to cards from other banks, such as Bank of America for instance. In fact they're one of the harder prime banks to get a card with to my knowledge.

Unless you absolutely want to establish relationship with Chase, it is sometimes better off to get some other cards first, and then apply for Chase 6-12 months down the road. Only reason why I am recommending this is that you don't want them to give you a stupid limit like $500. They might raise your CL over time, but to my knowledge Chase customer initiated CLI are all HP and there's no guarantees. You're also effectively wasting the 0% APR period with a $500 limit.

So if you have recent baddies or high utilization, it is better off for you to start with another bank first, then come back to Chase, rather than stepping into Chase with the wrong foot in.

To answer your question, I am guessing their Southwest and Disney cards are the easiest to get. After that it would be the Freedom. For the Freedom you need about 700 (to stand a higher than average chance with a decent APR) or at least 650 if you want to test your luck regardless. I am not sure what scores you need for southwest but you can check whogavemecredit and other sites. Scores aren't everything as well. Your income plays a big part.

Chase usually pulls Experian to my knowledge.

What kind of baddies, high util and scores do you have approximately?

 
Oh, and Chase has a preapproval thing on their website. https://creditcards.chase.com/

You can use it to roughly gauge your chances.