So I want a Chase credit card in my lineup specifically the Flex and Unlimited for their flexibility and usability. I want to get the Unlimited but the Pre-Approval tool says I wouldn’t be eligible. I got my first card in October 2023 and have been denied once by Chase but that was over 6 months ago. I just created a checking account with them and deposited $250. Any advice?

I currently have a 680 credit score (Experian and new credit about 8 months old). I started with Discover It and now have a Capital One Savor student credit card.

I opened my Chase bank account 1 year ago and I use their checking account for everything. (I don't know if that relation helps with credit approval). I want to go for Chase Freedom Flex or Chase Unlimited. However, being a student and also having a relatively new credit history should I apply for those cards?

I also have 7 hard inquiries this year as I did not know applying for credit cards had such effects. (Parents forgot to teach me that).

I am asking here because Chase does not have a preapproval feature and I do not want to have another inquiry on my report.

If not Chase, I plan to apply for Citi Double Cash using their pre-approval feature.

Hey everyone! I recently got the new Chase credit card and have been exploring its overall experience. Whether you’re curious about the application process, or anything else, ask away! I’ll do my best to share my insights.

Fire away with your questions!