![]() All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. However, I wouldn't risk it if your profile isn't there.Ĭopyright ©2001- Fair Isaac Corporation. maybe they would have issued a Freedom Platinum Visa/MC at maybe $4k instead of "bumping" me up to $5k to approve me for the card. On the other hand, I wonder if my app would have been borderline for a World/Signature card had I applied for a card with a lower tier available, e.g. Some cards (CS, CSP, United Club, Marriot Premier, etc.) only come in Signature/World, so they won't approve you if you can't get $5k. I believe they make higher swipe fees off Signature/World cards, so they would want to issue one to you if they feel it's worth the risk. Presumably, if you had assets with Chase (maybe $5k or so), or an established payment history with another Chase card (or both), they might be more willing to overlook lower income. ![]() If I had read up on this forum, I probably would have applied for the Freedom instead. I had no cards at $5k (in fact, no cards even at $1500), but 5 years of history and an $8k auto loan about 60% paid, no negative information. US Bank, on the other hand, will downgrade you to a different card if you can't get the Signature.ĭata Point: Chase gave me (cold app) a $5k CSP World MC (presumably identical approval for Visa Signature) with an income of $30k. Point: Chase will issue non-Signature Rewards Visas to those whom they do not feel they can extend $5k to (they may not give out Signature to people who are borderline $5k either - the CL requirement is probably separate from the score requirement). What appears to be the lowest income needed to get the amazon rewards visa signature card, US bank cash+ visa signature card or other visa signature card?
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