![]() ![]() It will probably also help if you have consistent activity within that bank account such as constant deposits and withdrawals. It is very easy to open up an account and you can easily build up your relationship with Chase this way.Īgain, I would try to keep that account open for about six months so that you could properly take advantage of your banking relationship. How to Raise Your Credit Score by 200 PointsĪnother great way to bolster your relationship with Chase is to consider opening up a Chase checking or savings account.As long as it shows up on your credit report and you have 100% payment history, it’s going to benefit you. I really don’t think it matters what type of card it is. If your credit score is very low, it might be easier to get a credit card like a secured credit card or a credit card designed for low credit profiles. So my advice would be to try to establish some credit history before going for a Chase card. However, whenever I applied for the Chase Freedom card I was approved with a credit line of about $1,600. Just how much credit history that you will need is going to depend on other factors but generally I would say it’s a good idea to have 6 to 12 months of credit history before you apply for one of their credit cards.įor example, the Chase Freedom was my very first “real” credit card.Īt the time I had only been issued a Macy’s store credit card with a $300 credit line that was about eight months old and aside from a car loan I really didn’t have any other credit history. I would definitely classify Chase as a bank that usually likes to see you with an existing credit history before they approve you for one of their credit cards. ![]() ![]() This is especially the case when you are dealing with a bank that likes to see you with ample credit history. In these cases, your credit score can be quite deceptive because it makes it look like you have better approval odds than you probably do. However, sometimes it is possible to have a credit score in the 700s while having virtually no credit history. Many people get excited about applying for credit cards whenever they check their credit score and see that they have a decent score in the 700s. In addition to your credit score below are several factors that you want to think about when applying for the Chase Freedom Unlimited. It’s free and will help you optimize your rewards and savings! Additional factors to consider Tip: Use WalletFlo for all your credit card needs. Also your odds are going to be on the lower side so I would suggest to try to get as close to 680 to 700 as possible before applying.Īlso, you want to consider all of the additional factors below that I discuss in more detail. However, when you start getting in the lower ranges you’re going to probably get some very small credit limits. If you do enough research you can find data points of people getting approved for the Chase Freedom Unlimited card with credit scores in the 660 range and even 650 range. However, your credit score is only one factor in the decision to get approved for a credit card so you will want to analyze additional factors. Typically, to get approved for the Chase Freedom Unlimited you will want a decent credit score of at least 675 or above, though I’d personally prefer to have a credit score at or around 700 before applying.
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