Jeff Pratley, WalletHub Credit Card Advisor
Yes, there are some tips for how to apply for a Chase credit card and get approved, or at least have better chances of approval: You can apply online or by submitting a written application at a Chase Bank branch. You can’t apply for a Chase credit card over the phone, though. How to actually get approved is the tricky part. At a minimum, you’ll need at least good credit and enough income or assets to afford a new line of credit, given your current debt obligations.
But let’s tackle these issues one at a time. There’s more to learn about the application process, and then we’ll get into approval tips.
Here’s how to apply for a Chase credit card:
- Online: You can access all Chase’s credit card applications online. Once you find an offer you like, click “Apply Now.” On the application, you’ll have to supply Chase with your name and address, income and employment information, contact details, and Social Security Number (SSN). You may be approved instantly, or it could take up to 10 days to receive a response by mail or email.
- Paper Application: Chase may send you a preapproved credit card offer. In that case, you can fill out the application they include and mail it back to them. Otherwise, you can get a paper application at your local Chase branch.
Now that you know how to apply, it’s time to talk about getting approved. The truth is, every credit card issuer has different ways of calculating approval, and they don’t share that information with the public. But there are several things you can be sure about with Chase approval.
Here’s how to get approved for a Chase credit card:
- Get your credit score up. Regardless of what Chase card you apply for, you’re going to need good credit to get approved. Your chances will improve with a score of 700+ for cards that require good credit, and a score of 750+ for cards that require excellent credit.
- Use your money wisely. Put some of what you earn into savings each month if you can, to show Chase that you have funds available. And try to only use 30% or less of your available credit. In addition, pay your existing bills on time. Also, don’t bother applying if you had a bankruptcy that’s still on your credit report. You’ll most likely be automatically denied.
- Remember 5/24. According to some other users’ comments, you have no chance of getting a Chase credit card if you’ve opened more than five accounts in the last 24 months, regardless of your credit standing. And although the issuer doesn’t confirm that policy, opening that many accounts in that little time isn’t the best idea anyway.
The key to getting approved is responsibility. If you’re consistently paying on time, managing your existing credit well, and have a good credit score, your odds of approval will increase. I wish you the best of luck!
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Mark Wasarsky, Member
Get your score up, keep credit utilization at about 30%, and you've got a solid chance of getting approved!
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