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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.
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.
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.
@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.
@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"
@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.
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.
I think a relationship helps if you are on a borderline of denial/approval.
Unless you have upwards of 10 MM with them, they could care less, no matter what they put on your paperwork and their website.