I first applied for this card 6 months ago, score at the time was 710, but I had bankruptcy from 2007 still in my report. I was declined with the reason stating bankruptcy. Last month the bankruptcy fell off and my score jumped to 765, I reapplied and was approved with $20000 credit limit. Other than the bk I have 100% on time payments no collections, two cars paid off and a mortgage. Hope this helps someone.
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The perks are pretty great IF you are able to use them. Read the fine print VERY carefully and proceed with caution as Chase's notoriously poor customer service disappoints yet again.
I opened my card on December 1st, intending on using up the 2016 annual travel credit, but my first statement inexplicably ended after two weeks on December 15th, causing my 2016 travel credit to expire. Customer service has been very unhelpful, insisting that it is my fault for not reading carefully. I insist that it is intentionally misleading to have my statement end after only two weeks of having the card open.
Once again, Chase's Draconian customer service policies are a letdown. I will be canceling this card as soon as I recoup my $450 annual fee and applying for a new premium credit card.
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