How Important is Relationship to Chase?

[Remedios]

Maybe it's just me, but whenever a lender and relationship are mentioned in the same sentence, I feel like crying.

[Anonymous]

While there may be lenders that require a relationship (sorry, @Remedios ) IMO a lot of the belief comes from situations where:

1) A applies for a card from Bank B and gets rejected

2) A then opens a checking account or whatever at B

3) After a while, A applies for the card again and gets accepted!  You see, I told you relationships matter!

This of course neglects other factors that might matter much more, such as improving credit file over time, increasing income etc

Plus, ignoring the large number of people who successfully apply without any prior relationship

[TSlop]

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@Anonymous wrote:

I had no previous relationship with Chase and I have 2 Chase cards. If you look like a good credit risk, that will substantially outweigh any relationship outside a large wealth relationship with them.

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I had no relationship with Chase and I got my first card with them in January of 2018 by a cold app that was instantly approved. I think a banking relationship couldn't hurt, but I'm willing to bet the credit profile is most important.

[Remedios]

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@Anonymous wrote:

While there may be lenders that require a relationship (sorry, @Remedios ) IMO a lot of the belief comes from situations where:

1) A applies for a card from Bank B and gets rejected

2) A then opens a checking account or whatever at B

3) After a while, A applies for the card again and gets accepted!  You see, I told you relationships matter!

This of course neglects other factors that might matter much more, such as improving credit file over time, increasing income etc

Plus, ignoring the large number of people who successfully apply without any prior relationship

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I guess it is a relationship. Internet is a must, app enhances the experience, you never talk, and all it takes is one incident before left-swipe and move on to the next apptionship. 

Their loss. 

[Anonymous]

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@Remedios wrote:

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@Anonymous wrote:

While there may be lenders that require a relationship (sorry, @Remedios ) IMO a lot of the belief comes from situations where:

1) A applies for a card from Bank B and gets rejected

2) A then opens a checking account or whatever at B

3) After a while, A applies for the card again and gets accepted!  You see, I told you relationships matter!

This of course neglects other factors that might matter much more, such as improving credit file over time, increasing income etc

Plus, ignoring the large number of people who successfully apply without any prior relationship

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I guess it is a relationship. Internet is a must, app enhances the experience, you never talk, and all it takes is one incident before left-swipe and move on to the next apptionship. 

Their loss. 

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Every time someone closes a credit card, as "Closed by Consumer" is entered in the file, an angel dies.   So it is everybody's loss.   Well, the angel's in particular but still.....

[CreditJourney007]

Well, I've been with them for 15 years and they hate me, so 

[Meanmchine]

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

[K-in-Boston]

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@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

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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.

[Hoben02]

It can't hurt in my case I've gotten all my chase cards when I was over 5/24. Just recently got the swa card and it put me at 5/24 and a week later decided to get the chase freedom and no issues.

[OmarGB9]

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@Hoben02 wrote:

It can't hurt in my case I've gotten all my chase cards when I was over 5/24. Just recently got the swa card and it put me at 5/24 and a week later decided to get the chase freedom and no issues.

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No issues so far, maybe, but wait a few months and hopefully it'll still be okay.