Don't be discouraged if your credit score, history isn't excellent, or you don't have other high limits. I have a 690 TU Fico and a 680 Equifax FICO, 700 on Credit Karma and they listed my chance of this card as "Poor". Also, I have 27 lates in my history, including a 90 in 2007, and a 60 in 2009 on my car loan. Only two of those 30 day lates are in the last 2.5 years though, and none in 2013. To top it off, I had no high limits on my cards. I had 2 Chase Cards with $250 & $300 limits, a BOA with $500, Capital 1 with $300, and Cap 1 turned me down for a Credit Limit Increase. Well, I went on Chase site and used their pre-qual tool, and Freedom came up, I applied and was approved for $5,000. Next day, I decided I wanted to pair with Sapphire Preferred. I thought for sure declined, but was approved for $6,000. Only telling you because it is nice to know Chase looks at other factors besides raw score and history, and if you have a similar profile to mine, don't be discouraged from applying. In my case I had $75K income, up a lot from prior years due to promotion, had paid all my cards down to zero so low Utilization, and had 2 credit cards, a checking, and a savings with Chase for years. I believe it was my combo of good debt to income & prior relationship with Chase that allowed me to be approved despite having a relatively low score. So, don't be discouraged if Credit Karma tells you "poor". And use Chase Pre-Qual, someone had told me if an offer pops up for you, there's a very good chance of approval.
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