Originally Posted by
jpark1982
Applied for and approved for the Club card this morning. I was a little worried about the application since I already have 5 Chase cards, most recent one was only 6 weeks ago, and most of my approvals were lower limits (5k on CSP, 2k on most recent MPE, and a Freedom and Amazon at 2.3k and 1.5k).
But was approved with no recon and given 20k.
Credit history is around 14 years, AAoA around 6.5 years, 739 EQ according to myFico, and 6% reporting utilization.
In your case, I think that you were helped by the fact that you have small credit limits on your existing cards. I think Chase really focuses on the amount of Chase credit you already have with them.
I was recently approved for the Club card too but needed recon and was raked over the coals a bit because I already had 4 Chase cards and they each had $20k limits. They wouldn't even let me transfer credit. I had to completely close my SW Biz card to get the deal to fly. My fico is 756 (been a bit beat up this year by many new cards) and 5% utilization.