building a relationship with chase before applying?

[Cookie2120987]

Me and my wife were looking to open either a joint savings or a joint checking account, we can do so through our credit union or even My own bank, but we also looked at Chase previously as well, my question regarding this is does having that relationship ACTUALLY help when trying to get I the door with there credit cards? My credit union uses internal scoring as well as the data they recieve with hard pulls a d while they have a good 18 month 0% intrest BT card they won't open accounts within 6 months and I already have a auto loan with them. If we went the venue of chaSe would this help in my way of opening that door into there credit cards?

[Anonymous]

You don't need a to have a personal relationship to apply for their credit cards... Having a checking a account is just a plus but not neccessary..

[Anonymous]

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@Anonymous wrote:

You don't need a to have a personal relationship to apply for their credit cards... Having a checking a account is just a plus but not neccessary..

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+1

[JustBPatient]

You can just check the prequal site.  They are typically golden if it says you are preapproved for a card.

[Cookie2120987]

Thanks for the quick reply, and I do know while you don't have to have the relationship with them I just couldn't get a straight on wether it will really help or not, the only thing gold me back right now is my late payments on My student loans, 180 day ones which are almost 2.5 years old if not already 3 and a collection for a whopping $118. Which is 2 years old nOW. I was surprised citi let me in the door but I so k ow I'm improving my credit score, I tried for a regular quicksilver Nd even with recon they won't budge because of my lates... Even with over 100 ob times payments noted on my reports

[Anonymous]

Always a good idea to build a relationship. I opened checking and savings with BoA and Citi, then applied for their cards in a few months, and got approved instantly both times. My guess is the existing banking relationship helped, especially when I was a student with a thin file.

[Anonymous]

I would say wait till the end of the year, then apply for either the United Mileage Plus Explorer or the Marriott Rewards Premier card.

Co-branded cards tend to, in my experience, have lower requirements than premier bank cards like Sapphire Preferred or Freedom.

[chalupaman]

I don't buy into the relationship thing as much with Chase but it kinda does help to at least say something on recon about how much you want X card from them. I don't even have a checking account with Chase anymore and I've done just fine.

[Anonymous]

Have you tried their prequalification site? My scores are lower than yours and I got a Chase Freedom.  I bank with Boa and Wells Fargo for my business. 

[barbaralee]

I don't think building a banking relationship with Chase is necessary. My spouse has absolutely no relationship with Chase, and these are the offers he is pre-qualified for: