Why so Chase strict about decision before approved applicants for United Airlines Explorer Card?

[Anonymous]

Why so Chase strict about decision before approved applicants for United Airlines Explorer, Marriott, Premier, Hyatt, Southwest Card?

However, other banks like Citibank or American Express won't strict so always give applicants so approved when they apply, correct?

I can see that it is hardest to get approved for United Chase card, how come but not Delta Amex?

[toppers555]

Actually my United Explorer and Marriot were both instant apporvals.

[wHiTeSoL]

Personally I dont think the Chase united explorer card is that difficult to get, I would rank it easier than the delta gold.

[efranklin23]

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@wHiTeSoL wrote:

Personally I dont think the Chase united explorer card is that difficult to get, I would rank it easier than the delta gold.

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+1 , Usually when someone brings up problems with Chase, it's because of their thin credit line or not having enough credit history. Do you have atleast with atleast 2 years of good history? Or atleast 1 credit line with atleast 5k? 

[Anonymous]

Chase SW was an instant approval for me, so was INK.  Just had to recon Freedom.

[takeshi74]

It sounds like you're asking why approvals aren't as easy for certain cards.  It's nothing unique to Chase.  The creditors determine what their underwriting criteria are for each of their products.  The Chase Freedom and Slate, for example, are generally regarded as easier to get approved for.  If that's not what you're asking then please clarify.  Your OP is a bit tricky to understand.

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@Anonymous wrote:

I can see that it is hardest to get approved for United Chase card, how come but not Delta Amex? 

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You can't just assume that 2 cards should have the same approval criteria just because they're both cobranded with airlines.  Which specific United card are you referring to and how did you determine that it was the hardest to get approved for?

Again, underwriting criteria can vary from product to product and creditor to creditor.  The criteria for the United card you're referring to and the Delta AmEx are not relevant to each other since Chase and AmEx are separate entities.

[Repo-ed]

Chase, simply put, does not like thin files or any derog history reporting. That's why they ask you to check that box, before clicking submit. I know to never app another chase product until after my repo falls off next year

[revvystoke]

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@Anonymous wrote:

Why so Chase strict about decision before approved applicants for United Airlines Explorer, Marriott, Premier, Hyatt, Southwest Card?

However, other banks like Citibank or American Express won't strict so always give applicants so approved when they apply, correct?

I can see that it is hardest to get approved for United Chase card, how come but not Delta Amex?

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Chase is no more strict then American Express, even less so then Citi because of their great recon ability.

Their initial lending qualifications for new accounts aren't very strict, as long as you have a few years of history imo.

[Pat94108]

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@revvystoke wrote:

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@Anonymous wrote:

Why so Chase strict about decision before approved applicants for United Airlines Explorer, Marriott, Premier, Hyatt, Southwest Card?

However, other banks like Citibank or American Express won't strict so always give applicants so approved when they apply, correct?

I can see that it is hardest to get approved for United Chase card, how come but not Delta Amex?

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Chase is no more strict then American Express, even less so then Citi because of their great recon ability.

Their initial lending qualifications for new accounts aren't very strict, as long as you have a few years of history imo.

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+ 1 I agree.