cancel
Showing results for 
Search instead for 
Did you mean: 

How Important is Relationship to Chase?

tag
CreditCuriosity
Moderator Emeritus

Re: How Important is Relationship to Chase?

I prefer to keep my credit and relationships (money) separate in both financial matters and well in personal/human matters as well.  Just works out better that way.  As others eluded to your credit speaks and usually can care less about having other accounts with them unless they have been credit related.

Message 21 of 67
ToxikPH
Established Contributor

Re: How Important is Relationship to Chase?

Thanks for the responses everyone! Looks like I'll be keeping my investments with Schwab and Merrill since I know that BofA does like a relationship (7/12)!
Message 22 of 67
wasCB14
Super Contributor

Re: How Important is Relationship to Chase?

I got a Freedom in 2013 with no credit history. $600 SL, but that would likely have been a long shot without being a checking/savings customer.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 23 of 67
rostrow416
Established Contributor

Re: How Important is Relationship to Chase?

Definitely helpful if you are a borderline application or need to recon.  If your scores are high with no negatives it really shouldn't matter.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 24 of 67
Remedios
Credit Mentor

Re: How Important is Relationship to Chase?


@wasCB14 wrote:

I got a Freedom in 2013 with no credit history. $600 SL, but that would likely have been a long shot without being a checking/savings customer.


Don't leave out the role your parents played. You had a table set in advance. 

Nothing wrong with that, I'm doing the same for my children, but many do not have the luxury of being involved in financial aspects of life from an early age. 

Message 25 of 67
Meanmchine
Super Contributor

Re: How Important is Relationship to Chase?


@K-in-Boston wrote:

@Meanmchine wrote:

Once a week I check my "Just For You" tab for any preapproval / Preselected offers.  You cant do that without a Chase account


Chase Credit Journey is available to anyone and has the same offers.  Definitely agree with others that outside of having millions with Chase, it likely makes zero difference. JP Morgan Reserve would be the sole card where a "relationship" is required.


 

i have had different results

Chase has different approvals depending on the platform you are using

On the very same day I had

Just for you  -- CSP, CFU Preselecteds

Credit Journey -- CSP, CFU, CF Preselecteds

Mobile app  CSP only Preselected

In branch  -- Slate preapproval

 

I posted this in an earlier thread back in December or January

 

I am only responding for preapprovals for us "common folk" 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 26 of 67
wasCB14
Super Contributor

Re: How Important is Relationship to Chase?


@Remedios wrote:

@wasCB14 wrote:

I got a Freedom in 2013 with no credit history. $600 SL, but that would likely have been a long shot without being a checking/savings customer.


Don't leave out the role your parents played. You had a table set in advance. 

Nothing wrong with that, I'm doing the same for my children, but many do not have the luxury of being involved in financial aspects of life from an early age. 


As far as I can tell, it didn't play a role for Freedom. For whatever reason, it wasn't until I closed my ~$10k checking/savings accounts in 2016 that Chase's system detected the old Bear Stearns account and started redirecting my calls to the executive line.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 27 of 67
SouthernCredit
Frequent Contributor

Re: How Important is Relationship to Chase?

I have a CSP, and have no previous relationship with Chase. Had an offer in Credit Journey and accepted - high SL with minimum rate. Was on cusp of 5/24 when I applied. If your profile supports it, they won't care about a relationship.

Message 28 of 67
sjt
Senior Contributor

Re: How Important is Relationship to Chase?

I think a relationship helps if you are on a borderline of denial/approval.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Barclays: Arrival Premier WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 29 of 67
Brian_Earl_Spilner
Credit Mentor

Re: How Important is Relationship to Chase?

Unless you have upwards of 10 MM with them, they could care less, no matter what they put on your paperwork and their website.

    
Message 30 of 67
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.