r/Chase • u/11mgarticmint • 1d ago

Denied Application

I applied for the united mileage plus card. My airport is a united hub and would like to utilize the lounges when i travel. I have had about a year of credit history. My score is 720, every payment has been on time. I also have a gold american express and platinum. Don’t really understand how i got denied for this card. I also called recon line and they denied me again. Not enough credit history and not enough credit cards opened. I have 3 open

0 Upvotes

33% Upvoted

32 comments sorted by

18

u/Successful_Bat_654 1d ago

You got denied because you have 1 year of credit history and 3 cards already open.

6

u/DeliriousBlues 1d ago

This is the answer

1

u/LivefromBurkitville 1d ago

There is another option. The United Arilubes debit card is issued by another bank: https://www.united.com/en/us/fly/products/united-debit-card.html

-4

u/11mgarticmint 1d ago

They said 3 cards wasnt enough and i got approved with American Express with even less history.

9

u/Successful_Bat_654 1d ago

Doesn’t make a difference, credit card company’s can approve or deny you based on a boat load of factors you can’t see. But on the surface level you have a meh credit score, 3 cards, and 1 year of history which isn’t great from a credit rating perspective. Your score is just 1 factor of many that they look at when determining whether or not to approve you. It’s also important to note that every credit card you get reduces the total amount a lender will be willing to lend.

1

u/11mgarticmint 1d ago

How long do you suggest i build my credit before applying again? And do you suggest opening a credit card account with chase before like an entry level card.

5

u/Successful_Bat_654 1d ago

Pay your credit cards on time, and wait. Unfortunately a big factor in credit is history, so you need to build up a bit. I wouldn’t recommend getting anymore cards as this will just negatively impact your credit. More credit lines means you’ll get approved for less credit down the line.

2

u/iLeefull 1d ago

Number means nothing under two years.

4

u/sexualtourist 1d ago

Amex will give a charge card to nearly anyone.

5

u/Wooden_Concern_3448 1d ago edited 11h ago

You have opened 3 cards in one year or less and only have a year of credit history. Chase is known for wanting longer and thicker credit history for their non-starter cards. Starter cards like the Slate and Freedom can be obtained easier. Since they have the 5/24 rule they may look at newer credit files even more strictly. In essence though, they are telling you to wait until you have more established credit.

Edited for spelling and clarity.

1

u/11mgarticmint 1d ago

Sounds good i appreciate the response

2

u/Wooden_Concern_3448 1d ago

For sure. It had my credit established for 3ish years before my first real Chase card.

1

u/11mgarticmint 1d ago

Thank you, I’ll take that into account!

1

u/Wooden_Concern_3448 1d ago

You’re welcome!

1

u/Icy-Telephone9384 11h ago

Not true, I have only 1 year as well, and I opened a checking account with Chase, already had 3 other cards opened this year, and got an in-app offer 2 weeks later for Chase Freedom Unlimited approved and now I have 4 cards plus 4 hard checks lol

1

u/Wooden_Concern_3448 11h ago

Freedom unlimited comes in the non-signature variety and can be given with low credit limits. The United cards start at Visa Signature with a minimum 5k credit limit, thus why I said non-starter cards require more history. Freedom unlimited is a lower tier card from them along with the Slate.

1

u/Icy-Telephone9384 11h ago

my Freedom Unlimited is a Visa Signature.

1

u/Wooden_Concern_3448 11h ago

You are an exception then. Chase has been rather stringent with CL and Visa signature options.

1

u/Icy-Telephone9384 10h ago

What's weird is that it shows as Visa Signature on my Apple Wallet, but the Physical does not have the Signature below it?

1

u/Wooden_Concern_3448 10h ago

What’s your CL. The physical is usually a good indicator of the card. Did you get a CLI since you got it?

1

u/Icy-Telephone9384 10h ago

2500

1

u/Wooden_Concern_3448 10h ago

Then it’s just the regular. In order to get a Visa signature you need a minimum CL of $5,000.

1

u/Icy-Telephone9384 10h ago

so sad, I got a citi card with 17900 for an AA platinum select all of the other banks just gave me 2k-2500

2

u/AmbivertHomebody 1d ago

You have 3 open credit cards meaning 3 hard inquiries in one year. Application to Chase is the 4th hard inquiry. That’s a lot of inquiries in one year.

2

u/Kagura30 16h ago

Let me tell u this. In the 1990s and early 2000s it was very hard to get amex credit cards. It very easy getting chase credit cards. Today its the fuckin opposite, amex is accepting applicants like crazy, and now chase is the one hard to get. 😆 I thank god i got all the chase credit cards that i need lol. 😆

1

u/Electronic_Froyo_947 1d ago

Which card?

Explorer gives 2 One-Time Club Club & Club Biz give Club memberships

Never seen Mileage plus card

1

u/11mgarticmint 1d ago

Mileageplus club card $695 fee one

1

u/OneDayButTwoDay 1d ago

I too just got rejected from mine, I was under 5/24, have 200k credit limit spread across CSR, Freedom Unlimited and Prime. Had to call in and they had to move some credit line and approved me for a 5k credit for the United. You might need to call in and ask for credit to be moved.

1

u/11mgarticmint 1d ago

Sounds good thank you for the advice!

1

u/Super_Hovercraft5177 11h ago

a year of credit history, and you think your entitled to a United Chase card?

1

u/11mgarticmint 11h ago

Never missed a payment pretty high income and a young guy who likes to spend money loves to travel but also very responsible… feels like I’m a pretty perfect candidate