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Question By
creditcrunch1

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would I qualify for a Chase card with no open credit cards on report?
My credit report consists of only student loans (all in good standing)- but no credit cards or any other accounts. As a result, I have a decent score (CK says 699), but a "D" grade for Open Accounts, and obviously credit utilization is N\A. So I appeal to the knowledgeable community- would I qualify for a standard card with one of the big banks?

PS- I was denied credit 6 months ago because I had a public record on my report, but that has since been removed. Is it worth applying to the same bank now that the record is clean?

Thank you

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IMHO, the score lies when it says a 699 is a D and thus 'decent'.  699 is bad.  I'm not sure if CHASE has a 'beginner' card out there or not, but I'm fairly certain you could get a 'normal' credit card with something like Providian.  re: 2nd question, yeah, you could.  I wouldn't, but I guess that's just a personal preference..

Reply by
creditcrunch1

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Hi, thanks for the feedback.  I didn't get the impression that 699 is "bad", but obviously not great.  That score is actually listed as the avg credit accepted for a Chase Freedom card- so I thought my chances might be good. I think my biggest challenge right now is the lack of any existing credit cards.  Does anyone know if Chase or other big bank would deny credit simply based on that?

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