How Important is Relationship to Chase?

[Anonymous]

I'm sure a small part of how I got approved for a Freedom Unlimited card during my rebuilding phase (scores in the 620 range) was due to me banking with them, but YMMV.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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Kind of funny, with all the analysis and over thinking, the final answer is if you are below 5/24 and you want the card, press the Apply button.

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Right, but then, if the OP applies and is denied, people can say "Sorry for the rejection but you really need a relationship, put $100 in checking" and the whole thread can recycle!

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I would negotiate with them and try for $75!!!!!

[SirMilo]

Hello everyone. New guy here.

I don't think a relationship with Chase is all that important. If anything, I likely have a poor relationship with them (or maybe not- details below) and was still approved for a Freedom around a year ago.

Long story short, they jacked up some paperwork on a home refinance which was going to cost me way more than if I hadn't refinanced. I take full responsibilty for failing to notice their mistake before signing the paperwork. I paid off the remaining balance (payoff amount) of the newly refinanced house note and closed all accounts on the spot. I haven't done business with Chase in over a decade until apping for a Freedom card in 2019, which was approved and then somehow turned into a Freedom Unlimited. Apparently some things never change.

Since Chase didn't receive even $1 of interest to offset the closing costs of the refi and then having closed every account with them on the spot, I would suspect that my relationship with Chase is less than stellar. On the other hand, maybe my relationship with them is good since I paid off my house note even though they were stiffed for closing costs?

[Anonymous]

@Anonymous when they were reviewing your app, what documents did they ask you to send them?

[Anonymous]

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@Anonymous wrote:

@Anonymous when they were reviewing your app, what documents did they ask you to send them?

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My license.

[Conceptual23]

I called the reconsider line after being denied for a Freedom card and was told that it would definitely help if I established positive banking history with them.

[Anonymous]

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@Conceptual23 wrote:

I called the reconsider line after being denied for a Freedom card and was told that it would definitely help if I established positive banking history with them.

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Did they really? Did they say deposit $100 into a checking account and the CFF is yours lol?

Why do you think they needed that first?