Applied with a CK 687, Experian 730, Equifax FICO 724. Perfect record, 8 months of credit history. I was denied due to insufficient credit history. I called the reconsideration number to speak with a personal credit analyst (888-245-0625). I was surprised when the analyst said I still could not be approved. Chase will pretty much always approve an applicant who calls that number asking for a reconsideration. I called again and was told that I could not be approved because Chase will not approve an application for someone with less than 2 years of credit history, even with a prefect record. (Kudos to Chase for lending responsibly.) I then wrote a letter to the executive office making a case for my short but flawless credit history. Today I received an e-mail congradulating me on approval and informing me that my card is in the mail. Great card, but if you have less than two years credit history, expect a long uphill fight to get this card, even with good credit. I was told "no" three times before I got the application approved.
Overall card rating
Most helpful positive review
Most helpful negative review
All member reviews (995)
These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.
†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.