How to Get APPROVED for a Chase Credit Card (5 Rules)
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- Опубликовано: 23 авг 2024
- Learn how to get approved for a Chase credit card. Chase credit cards are some of the best credit cards out there so you should do everything you can to increase your approval odds. Click "Show More" to see Ad Disclosure
Sometimes submitting a credit card application can be a nerve-wracking task. But I will explain rules and other tips you should know about to make you feel more confident.
It is well known that getting your first Chase credit card is always the hardest. Not only do I want you to get approved for your first Chase credit card, I want you to have no problem getting any Chase card. But once you get your first card with them, the rest usually come a lot easier.
For your first Chase credit card focus on these 2 things:
- Credit Score
- Length of Credit History
These 2 factors are some of the main reasons why people get rejected on their first credit card application with Chase. Ideally, you should have a solid credit score all of the time. But before you apply for a Chase credit card, make sure your credit score is 680 or higher.
You can see how to easily increase your credit score here:
• How to INCREASE Your C...
Your credit history length is the trickier factor of the two. One way to increase your credit history length is to become an authorized user on someone else's credit card account. The more reliable and effective way of increasing your credit history length is to get another credit card under your own name. I would suggest getting 1 or 2 credit cards outside of Chase BEFORE applying for a Chase credit card. I would recommend holding this credit card for 3 - 9 months before applying for the Chase credit card.
On top of those two factors you will need to remember the following Chase application rules to help keep getting those Chase approvals.
- 5/24 Rule
- 2/30 Rule
- Chase Business Credit Card Rule
- Sapphire 48 Month Rule
- One Sapphire Rule
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just turned 18 2 hours ago, applied for the chase freedom unlimited and got approved for 1500. I don’t have a credit score yet but I have a history from being an authorized user under my dad for about 2 years.
lets gooooo! 🎉🍾🎊 Congratulations on turning 18, but more importantly congratulations on your CFU!!! 🔥
Being an authorized user liked your dad’s credit score to yours. It would have giving you a history of 2 years, especially if they asked your dad for your ssn.
Yeah I definitely have experienced that it does get significantly easier after that first card to get approved for Chase Credit Cards. I currently have the CFF & CFU and am under Chase 5/24 until July, but then will be applying for the CSP! Great video Chase!
Ayeeee Matt 🔥 go complete that Chase Trifecta 👍🏽Keep grinding out those credit card videos! Thank you for watching Matt 🤙🏽
Got my first Chase card this January’22 Freedom Unlimited. Good to be in the ecosystem. I will be 3/24 in October and going for the Flex 💪 card or one of the sapphire card for my birthday 🎂.
Yeeeee go get that Flex and CSP! 🔥 💪🏽 Keep collecting those Chase cards Neno and thank you for watching. 🤙🏽 Nice to always hear from you!
The first time applying for my first credit card was the chase freedom and I got approved for 1,500 limit🤷♂️
Pretty good 👏🏽
I applied for probably my final chase card, decided to get the Chase Flex (happy I did, the next category for quarter is gasoline)
Also thanks to getting that card I think it finally put me on the road to get the Amex platinum since I guess I have a lot of credit utilization and maybe some new requirement I didn’t have before
I logged in Credit karma and it said I had an outstanding chance now compared to before which I wasn’t even getting a good approval rate
Not sure if that means it’s sure fire or good chances but so far I’m happy I got the chase trifecta
Nice to hear you got the Chase Trifecta Chazz 🔥 I feel you. Time to rack up as many points as possible since gas prices are starting to look like gold prices 😳 Good luck on the Amex Platinum! I know Credit Karma recommendations could be kinda off sometimes so take it with a grain of salt. Thank you for watching 🙏🏽
Great video Chase! I agree with you when it comes to valuing Chase points over Amex points. They are both great programs, but the flexibility of using Chase cards in combination with their awesome travel partners makes their points really powerful. I started with Chase in my credit card journey and I think having the freedom student as my first card really helped me down the line when I applied for the CFU and the CSP. Now I'm hoping I can get approved for their business cards come January.
You got it Spencer! 🔥 Stating with a Chase card must've been really nice for you. I wish I did the same. I gotta get my hands on their business cards as well 😬 Thank you for watching Spencer 🙏🏽
Love Chase credit cards! My favorite is the CSP. Great video Chase!
Chase cards are pretty solid 💎 the CSP is really nice. Thank you for watching! 🤙🏽
I was thinking exactly what James thought!!
That Animal Crossing reference to Time Travel. 🍃 Didn't expect that in a video about Credit Cards haha
haha gotta keep everyone on their toes 😂
Thanks for your help! Just got my first Chase Freedom Unlimited at $2500!
whooaaa nice pick up! 👏🏽 🔥 Congratulations! Keep the momentum up. Im proud of you.
@@ChaseYokoyama thank you!!
I’m thinking of applying but scared if getting denied. what was your credit score and credit age when you applied if you don’t mind me asking
Recently picked up the Ink business unlimited & already have the sapphire preferred. Hopefully in jan or feb i can grad the Flex.
Congrats on the ink unlimited pick up 🔥 Go get that fatty SUB 💰 Thank you for always watching Doc. I appreciate you.
In retrospect I wish I had started out with Chase instead of Amex. I currently have the CSP & the United Mileageplus and at 5/24 so I can't add anymore until I'm under. Great vid as always broski 💥
I feel you brotha Mike 😔 I should've started entirely with Chase at first. Thank you for watching and good to hear from you again Mike! 🙏🏽
I literally liked this video just because of that chase joke at the beginning
Definitely appreciate the info. I was at 3/24 a few days ago and just applied for my first 2 chase cards. I applied within an hour apart, I was approved for the first and denied for the second.
And now I know I should apply for my business ink unlimited before my next personal chase card.
Thank you Travis! 👏🏽 Hmmm so applying for 2 credit cards in 1 day and getting approved is possible but not recommended. I would suggest next time waiting at the very least a couple days in between applications. More than 1 month would be more ideal. But congrats on the approval! 😅
What he said in english on the 5/24 rule for businesses cards get them all that you need on 4/24
exactly!
How far apart should we go for the chase credit cards
I got my first ever chase credit card today. It was a business ink cash card.
Im still in 3/24 rule.
Should i apply for the personal now right away or waite a month or few months?
A good rule of thumb is 1 Biz chase card every 30 days or 1 biz chase and 1 personal chase every 30 days or 2 personal chase every 30 days.
1/30 for business card
2/30 for business and personal or 2 personal
Great video! My advice, get all the Chase card you want first, and then branch out to other brands
That's the plan! #facts. 👏🏽 thank you for watching gwath 🤙🏽
How far apart?
I got my first chase credit card today.
Its a business credit card.
Im still at 3/24
Should i try get the personal credit card this month also or waite a bit?
@@4CUTTY1BARZ5 wait 3 months between Chase cards
Thanks brother, appreciate the advice!
Thank you for your time! 🙏🏼
@ChaseYokoyama was about to apply when I noticed the balance transfer fee, there's a company called first tech with no transfer fee, would you recommend them? I need to do a balance transfer (my first one ever) I use discover
Good thing Chase doesn't require grammar to apply for new cards😂
Accurate 🤣 we can finesse them. Thank you for watching!
I'm at 740 credit score, have 3 credit lines, and a credit age average of 12 months . Want to apply for my 1st chase cards. Can I apply for both flex and unlimited ? or should I apply for 1 wait a few months then apply for the other?
To be on the safer side, I would say get one now. then wait like a 1.5 - 2 months and get the other one 👍🏽
Great video!
Thank you! 🙏🏽
Thanks for the info!
And thank you for watching Cesar! 😌
is the app you recommended safe to use? and do you use it yourself?
yes it is safe to use. Yes i use the app, not as much as before tho.
I want to get the Chase Freedom Unlimited but I’ve applied and been approved for 3 credit cards in the past month. I still have a 774 credit rating after taking the hit, but I’m worried I’d be denied because of all the inquires in a month.
How long should I wait before I apply? Three months? Six months? A year?
wow congrats on the 3 other card approvals! 👏🏽 I would suggest waiting at least 4 - 6 weeks from your last approval before applying for the CFU. This is assuming you are under the Chase 5/24 rule still.
@@ChaseYokoyama Thanks bro! Yeah I got approved for:
-Chase Sapphire Preferred
-Bilt Mastercard
-Citi Custom Cash
Of course my credit score on Experian went from 812 to 774, but I figure it’ll shoot back up and I’ll gain a lot of points in the mean time.
These three cards are the first credit cards I’ve gotten since late 2019 so I’m definitely within the 5/24. I think I might wait 8 weeks just to be safe so hopefully those inquiries don’t hurt me too much. Thanks for the feedback!
I bank with chase already, and never had a credit card in my life. However I just finished paying off a 5 year autoloan. Iam thinking of applying for one. Do you think I'll be approved?
If you have a credit score of 680 or over then you have a good chance of getting approved!
@drespinoza190 nice I'm currently at 690/710
I can confirm that they have the 5/24 rule. They told me that in the phone.
thats good to know. probably because its become almost common knowledge at this point 🤣
Great info!
Glad it was helpful!
Do you have the data points on the BIZ application? Which Bureau for Biz credit?
Usually its with Experian. You can find data points here: www.reddit.com/r/CreditCards/search/?q=chase%20data%20point&restrict_sr=1&sr_nsfw=
@@ChaseYokoyama thank you!
Does the Chase Freedom Rise count towards the 5/24 rule?
yes it does
which credit score? experian?
Yes Chase primarily uses Experian 👍🏽
i currently have the CFU and am thinking of going for the trifecta. Unfortunately, I'm already at 4/5 and will only be able to get one more chase card if the 5/24 rule also applies to chase cards. I noticed when logging into Chase that I was preapproved for two cards, one of them being CSP; if I went ahead with the CSP offer, would that fill up my last slot and ruin my chance of getting approved for the chase flex?
Yes, that CSP would take up the last 5/24 slot unfortunately. You would have to wait until you are under 5 cards again before applying for the last Chase card.
@@ChaseYokoyama bummer, but thanks for confirming!
I keep getting denied:( I have been an authorized on my moms card for over 7 years and have a good credit score. I also have a credit card that i got over 6 months ago. additionally i am employed and pay no rent or mortgage payments. why do i keep getting denied
what is the reason for denial? It might be because your credit history (for your own cards) isnt long enough quite yet
I have chase Slate with all 6months of using an kept it under 10% so should I apply after 6 months an I been banking with chase since I was kid
damn keep the utilization under 10% 🔥 thats impressive.
Do you think deserve credit card score which is 700+ good for approval..?
I think if your credit score is above 700 you have a pretty good shot at most cards
It should be named 5/24 HELL 🔥
thats what it feels like 🥵
What is I have 5 credit cards my first one I have because my husband added me to his but the other 4 I’ve gotten approved and have had them for a year n 6 months or more will that put me in the 5/24 ?!
Unfortunately even if you are added as an authorized user it will likely count toward the 5/24 rule. Although TBH recently Chase seems to have been a little more flexible on the 5/24 rule. For example people have been approved for cards like the Chase Sapphire Preferred, Ink Business Cash / Unlimited, etc. even though they were over the 5/24 rule.
I have a question about he 5/24 rule. Does Chase count installment loans and student loans in the 5/24 rule?
Loans do NOT count toward the 5/24 rule.
@@ChaseYokoyamado close accounts due to inactivity count?
Thanks for the info!!
But…. Gooder?
hahah thank you for watching 😂 i know i know. Im sorry to disappoint the "learning business". How appropriate lmao
chase is it good to get an debit card or an account with chase to increase your odds for a credit card?
I am not 100% convinced that it works for sure. But with that said, if it's not too much trouble I usually recommend people to create an account anyways. 👍🏽
I got approved for the freedom flex today but only got a 1k credit line 🙄
Thats okay! Primarily when you increase your income you can request for a much higher credit line. 👍🏽 Also keep building your credit history and improving ur credit score. Thank you for watching Doty! 🔥 And congratulations on the new card!
What score do you need for chase trifecta?
around 700+ is good. but sometimes scores like 670 have been approved. for Chase, credit history and length seems to be more important. For example, if you dont have a credit card but ur credit score is 750, you'll still probably get rejected. They like seeing a history before accepting you. so having another card before like the Discover it for 3 - 6 months then applying for a chase card is better.
What do you recommend as the first Chase card to apply for?
Freedom Flex or Freedom Unlimited 👍🏽 More so the Freedom Flex because of the 5% categories.
let's say if i close 3 T1 CCs would that make me go from 7/24 to 4/24 to qualify for a Chase card?
No, unfortunately closing accounts don't affect the Chase 5/24 rule
any benefit in going to a Chase branch location and applying vs online for better odds?
idk about odds but sometimes you can get a better offer such as waiving the first years annual fee on the CSP 🤔
I got denied online
Went inside and got approved
Im convinced now that inside is better
If they approved me for an Amazon card does that get my foot in the door? Or do the core cards count differently?
TBH it's very anecdotal but I would say yes it helps get your foot in the door.
I got a 803 credit score but my credit length it’s only 2.5 years old you think I should apply or wait a lil longer
I think you will be fine. As long as you have had other credit cards to your name (not cards where you are an authorized user). Chase really likes seeing that you have other credit cards first before giving out one of their to you. Chase is infamous for being hard to get as your first ever credit card under your name.
@@ChaseYokoyama thank you so much I got approved I went with the freedom unlimited, I’m gonna try for the sapphire in like 6 months going for the trifecta thanks again my brother
To get a Chase credit card all you have to do is to get a checking or savings account with Chase Bank and be with them for a while they will offer you a credit card trust me I know I have a bank account with Chase Bank
that could be a great method too. But if you're are impatient like me, sometimes its hard to wait until Chase offers it 😅
When this video starts ?
😢
Chase I have a question.
It's about the sapphire cards.
I applied for a sapphire prefer last year.
I just got hit with the annual fee so I downgraded the card to a freedom.
The question is what are the steps to follow to get the reserve bonus later on?
You can only get 1 Sapphire bonus every 4 years. So the next time you should apply for the Reserve is 3 years from now if you want the SUB.
@@ChaseYokoyama can I get the reserve card at any moment now but when it comes to 3 years from now product change it to a freedom and then apply for it to get the bonus then?
Chase loves Chase 😁
U got that right Karla 😉 Thank you for watching. 🙏🏽
Chase doing a Chase video? Nah, can’t be. 😂
Hahaah ikr 🙄whats up with that. I appreciate you Jason! 🔥
Welp should have seen this before… I applied 😂
I hope you got approved! 👏🏼
I get a chase invitation mail…. I apply using the code… application gets denied… credit score drops a few points.. 😑😑
whaat really?! Have you called the recon line?!
Chase know the rules sapphire yokoyama 🤔
Hahahahh 🤣 u got that right. thanks for making me laugh
Let me guess, 5/24, 2/30, Chase is the best ever, 1 Sapphire card Chase points are the greatest. Now let me watch the video to see how close I am
hahahah 🤣 I mean you might as well have wrote the script for the video.
I disagree and think people should stop applying for chase cards ,, there is no rule saying you have to get a chase card . Don’t apply and that stupid rule will go away. It’s like people buying Tesla cars with it’s terrible quality issues and complaining.. if people stop buying Tesla cars for about a month Elon musk would do something about it , same with Apple products
Interesting take 🤔 Not sure how many people would have to stop applying for Chase cards for this to work. And I wonder if they would adjust other policies, or card offers first before touching the 5/24 rule.
In my wallet I have discover it, Apple Card, and just got the Amex gold. Working on the Amex bonus right now but I do want to add a chase card after I finish my minimum spend, preferably a Visa to pay at Costco. Would you recommend Freedom unlimited or CSP first?
I would say get the CFU first since the CSP doesn't have a great SUB right now of just 60,000 points. Also if you get gas at Costco, you can use the 5% SUB bonus for gas stations purchases on the CFU for the first year.
@@ChaseYokoyama that sounds like a good plan, I’ll go for the CFU first while until they raise up the bonus on the csp! I wanted to dip into chase while I’m still under 5/24 before i went for any other Amex. Thank you sir!
It should be named 5/24 HELL 🔥