"To Apply Or Not Apply?"

Comment 1 by hjm331

Sorry But Don't Apply on 2008-02-28

If you want a good shot at Chase, your FICO's have to be at least ovr 700 and that's just to be considered for approval.

Comment 2 by arod

I Don't Recommend It . on 2008-02-28

I had this card a while ago They gave a $400 credit line and a APR. 23 also annual fee $39.00 well I used it for 2 month then I closed it..



I'm sorry But I don't like Chase.

But Goodluck to you..

ALex

Comment 3 by frances

To Apply on 2008-02-28

I really don't understand it, but I am feeling that cardholders with sub-prime credit do not like Chase. I feel that even with the higher rates, they're better than most cards out there. After establishing a rep with them, I would expect negotiation powers.

To me, this bank stands up to the better 75%+. I have a good credit rating, and have good rates with them. I think that they just calculate their risk, and when it's high, they charge you for it to protect them.

Comment 4 by ash

Trick Question on 2008-02-28

If they sent you a pre-approval I think they've already done a softpull. Maybey you have a good chance! That is pre-app not invitation to apply. Totally different.

Second as far as the score factor it depends. On myFICO it list chase under fair credit with scores up to 660, but it depends on varying factors like payment history, clean record etc. Users have reported getting approved with scores at 640 and they pull equifax so double check your FICOs. If you don't have too many inquiries take a chance and report back here under card status to confim. Also for more info google search (chase + FICO scores) and see what info you come up with.

Comment 5 by arod

Frances on 2008-02-28

I think you like Chase and that ok but if you read people problem with chase overlimit fees, annual fee, High APR.

Chase is really for people with excellent credit or for Buisness because they have been the worst bank for me.

Not only with there credit card but also with there checking.

In my work place there are like 600 employee and they offer free chase or Citibank.

Most of the people that were with chase have switch to Citibank and all because of there fee's

I wont say this applies to all.

If chase is good to you stay with them.

But Me and chase NEVER !!!

Thank,

Alex

Comment 6 by meya

Hummm on 2008-02-28

Well, I say give it a try only if:

1. You do not have many inq

2. Not too many new accounts

3. No delinqency or derogs

4. No Public Records

5. No Bk's

6. No late payments

If you meet them all then you should not have a problem.

Comment 7 by markrivers

Credit Limit Increase on 2008-02-29

One thing I hate with chase is that it's so hard to request for a CLI... I've never been late, never maxed out my card with them but I've been denied a CLI twice already.

Comment 8 by terrilynn

Apply For The Speedway Card on 2008-09-10

I have a credit score of 634, but I also have an unpaid phone bill of $732 on my credit report, and I applied for the chase speedway platinum MasterCard because if you have a speedy rewards card it has benefits. I got approved for $1,700, so I think if you apply you will probably get approved. Plus it's 0% interest for the 1st 6 months

Comment 9 by rabbit713

You Will Be Approved! on 2009-05-21

Most likely you will be approved, but might start you off with a low limit, they started me with a $200 credit limit, then like in 6 months they boosted me up to $700, I've had the card since 2004 and haven't got another cli since. Go figure?... Every1 of my other credit cards I get automatic credit limit increases,., but its up to you to apply for it.

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