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Hi all - I'm currently in the process of rebuilding with current scores in the low 600s. My goal is to eventually get a Chase card. I used to have checking and savings through them about 10 years ago and closed in good standing (no overdrawals, ect.) I'm in the gardening period, as I got a Discover IT secured and NFCU nRewards secured in August, making me 2/25. I have some medical collections (~10) that I am paying off and all should be dropped from my report next summer. I also have 3 total charge offs (2 with Affirm, 1 with Synchrony). I paid in full on one of the Affirm accounts and am set up on payment plans for the other two accounts (both should be reporting $0 by next summer). In the next year (once my secured graduates) I plan to apply for another NFCU, ideally an unsecured card.
I've heard that Chase cards are hard to get, so I'm wondering if one would even be an option for me sometime in the somewhat near future (1-2 years) based off of what I mentioned above? What would you all recommend doing in the meantime to improve my chances of getting a card with them? I've been eyeing the Freedom Unlimited and Sapphire Reserve due to their travel perks. Thanks!
If you are under 5/24 go for it. Chase cards aren't really hard to get. FWIW I got the Freedom Unlimited with scores from 610 to 640ish with a charge off and a collection reporting.
I, too, was approved for my Chase cards while my scores were in the low 600's and several (8, actually, including 1 for a chase card) chargeoffs still reporting. I think OP has decent odds for the CFU card. I might wait a little bit on the CSP, see if you can get your scores up closer to 650 before 11/5 and apply then (the last day for the 80 k SUB). If that's your goal, I'd hold off on the CFU until after that. Otherwise, go ahead and apply for the CFU now and then wait at least 90 days for the CSP, just be aware that the SUB for it will likely be reduced to 60k by then.
Do you have a chase branch nearby when I got my chase cards I was over the 5/24, but I was preapproved for the chase line of cards so no problem getting a csp and cf. just ask one of the bankers
@Anonymous The fact you have past history with them may help?! But me personally I would wait to be middle 600's and above before apping since everyone is a bit tighter these days especially with some negatives on the account....of course YMMV let us know what you decide and how things go!
@Hoben02 wrote:Do you have a chase branch nearby when I got my chase cards I was over the 5/24, but I was preapproved for the chase line of cards so no problem getting a csp and cf. just ask one of the bankers
That's good advice. I'd always check their website (including Credit Journey, and their manual pre-qual check page) and in-branch for pre-approvals before resorting to a cold-app.
When I got my Chase cards (against all odds), I had "green checkmarks" for them when I logged into my Chase bank accounts online. I wouldn't have tried applying if not for that.
@coreysw12 wrote:
@Hoben02 wrote:Do you have a chase branch nearby when I got my chase cards I was over the 5/24, but I was preapproved for the chase line of cards so no problem getting a csp and cf. just ask one of the bankers
That's good advice. I'd always check their website (including Credit Journey, and their manual pre-qual check page) and in-branch for pre-approvals before resorting to a cold-app.
When I got my Chase cards (against all odds), I had "green checkmarks" for them when I logged into my Chase bank accounts online. I wouldn't have tried applying if not for that.
Is there a way to access Credit Journey without being a current customer? I tried to visit the website and it said non-members can use the tool, but I can't find a way to sign up.
@Anonymous wrote:
@coreysw12 wrote:
@Hoben02 wrote:Do you have a chase branch nearby when I got my chase cards I was over the 5/24, but I was preapproved for the chase line of cards so no problem getting a csp and cf. just ask one of the bankers
That's good advice. I'd always check their website (including Credit Journey, and their manual pre-qual check page) and in-branch for pre-approvals before resorting to a cold-app.
When I got my Chase cards (against all odds), I had "green checkmarks" for them when I logged into my Chase bank accounts online. I wouldn't have tried applying if not for that.
Is there a way to access Credit Journey without being a current customer? I tried to visit the website and it said non-members can use the tool, but I can't find a way to sign up.
I'm told that anyone can sign up for Credit Journey w/o a Chase banking account, but I'm not sure how since I haven't had to try. If you have previously had a Chase account and remember your old login credentials, maybe try using that. Otherwise I'm not sure what page to use to make a new account for Credit Journey.
@coreysw12 wrote:
@Anonymous wrote:
@coreysw12 wrote:
@Hoben02 wrote:Do you have a chase branch nearby when I got my chase cards I was over the 5/24, but I was preapproved for the chase line of cards so no problem getting a csp and cf. just ask one of the bankers
That's good advice. I'd always check their website (including Credit Journey, and their manual pre-qual check page) and in-branch for pre-approvals before resorting to a cold-app.
When I got my Chase cards (against all odds), I had "green checkmarks" for them when I logged into my Chase bank accounts online. I wouldn't have tried applying if not for that.
Is there a way to access Credit Journey without being a current customer? I tried to visit the website and it said non-members can use the tool, but I can't find a way to sign up.
I'm told that anyone can sign up for Credit Journey w/o a Chase banking account, but I'm not sure how since I haven't had to try. If you have previously had a Chase account and remember your old login credentials, maybe try using that. Otherwise I'm not sure what page to use to make a new account for Credit Journey.
I just figured out how to do it, thank you! Do you mind me asking what your credit scores were when you had the green checkmarks next to the cards?
@Anonymous wrote:I just figured out how to do it, thank you! Do you mind me asking what your credit scores were when you had the green checkmarks next to the cards?
They were in the 615-625 range at the time (this was 16 months ago). It's the only time I've ever had green checkmarks - I'm around 700's now and still haven't seen any more green checkmarks since then.
Edit: actually I just checked my score history and see that I misremembered what my scores were, they were actually 630-645 at the time.