COVID -19 has taken everything on a roller coaster (everything except our kids). The virus affected almost every industry, including credit card approvals. At HelpMeBuildCredit.com, we interviewed many applicants who recently applied for credit cards to see if they got approved or not (if you recently applied for a credit card then please email your results to [email protected]).
Here’s the list of applicants we interviewed and their responses:
July 2020
Key Takeaways
- Chase personal and Citi are still going strong with approvals
- Amex is still approving but with lower credit limits
- Capital One is still slow but a little better than the last few months
- Applicants with credit scores below 700 are mostly getting declined
- Capital One is approving newcomers with the Capital One Journey or Platinum card
Applicant #01
- Card – Amex Gold Business
- Approved – Yes
- Credit limit – N/A
- Credit Score – 760
Applicant #02
- Card – Citi Double Cash
- Approved – no
- Credit limit -n/a
- Credit Score -691
Applicant #03
- Card – Citi Diamond
- Approved – no
- Credit limit – n/a
- Credit Score – 691
Applicant #04
- Card – Discover
- Approved – Yes
- Credit limit – $1,000
- Credit Score – 685
Applicant #05
- Card – Amex Green Card
- Approved – Yes
- Credit limit – n/a
- Credit Score -759
Applicant #06
- Card – Capital One Journey
- Approved – yes
- Credit limit – $500
- Credit Score – 735
Applicant #07
- Card – Amex Blue Cash Preferred
- Approved – yes
- Credit limit – $2,000
- Credit Score – 760
Applicant #08
- Card – Bank Of America Cash Rewards
- Approved -yes
- Credit limit – $6,000
- Credit Score – 760 plus
Applicant #09
- Card – Citi Double cash
- Approved – Yes
- Credit limit -$8,000
- Credit Score – n/a
Applicant #10
- Card – Amex Blue Business
- Approved – yes
- Credit limit – n/a
- Credit Score – n/a
Applicant #11
- Card – Citi Diamond Preferred
- Approved – yes
- Credit limit – $9,000
- Credit Score – 729
Applicant #12
- Card – Td Cash Card
- Approved – yes
- Credit limit – $3,000
- Credit Score – 729
Applicant #13
- Card – Bank Of America Amricard
- Approved – yes
- Credit limit – $1,200
- Credit Score – 729
Applicant #14
- Card – Citi Double Cash
- Approved – yes
- Credit limit – $4,500
- Credit Score – 784
Applicant #15
- Card – Chase Freedom
- Approved – yes
- Credit limit – $800
- Credit Score – 730
Applicant #16
- Card – Citi Double Cash
- Approved – yes
- Credit limit – $3,500
- Credit Score – 759
Applicant #17
- Card -Apple Card
- Approved – yes
- Credit limit – $5,000
- Credit Score -768
Applicant #18
- Card – Chase Sapphire Reserve
- Approved – yes
- Credit limit – $27,000
- Credit Score – 765
Applicant #19
- Card – Amex Hilton
- Approved – yes
- Credit limit -$3,000
- Credit Score – 772
Applicant #20
- Card – Citi Double Cash
- Approved – yes
- Credit limit – $4,500
- Credit Score – 772
Applicant #21
- Card – Chase Freedom Unlimted
- Approved – yes
- Credit limit – $2,800
- Credit Score – 730
Applicant #22
- Card – Verizon card
- Approved -yes
- Credit limit – $5,500
- Credit Score -High 7s
Applicant #23
- Card – Chase Freedom
- Approved – yes
- Credit limit – $3,000
- Credit Score – 754
Applicant #24
- Card – Verizon
- Approved – yes
- Credit limit – $1,800
- Credit Score – 530
Applicant #25
- Card – Amex
- Approved – no
- Credit limit – n/a
- Credit Score – 530
Applicant #26
- Card – Capital One Spark
- Approved – yes
- Credit limit – $2,000
- Credit Score – 744
Applicant #27
- Card – Chase Sapphire Preferred
- Approved -yes
- Credit limit – $5,000
- Credit Score – 725
Applicant #28
- Card – Capital One Platinum
- Approved – yes
- Credit limit – $1,000
- Credit Score – 700
Applicant #29
- Card – Chase Freedom
- Approved – yes
- Credit limit – $11,700
- Credit Score – 730
Applicant #30
- Card – Amex Business Platinum
- Approved – yes
- Credit limit – n/a
- Credit Score – 733
Applicant #31
- Card – Bank of America Business Advantage
- Approved – yes
- Credit limit – $8,500
- Credit Score – 720
Applicant #32
- Card – Amex Everyday
- Approved -yes
- Credit limit – $1,800
- Credit Score -730
Applicant #33
- Card – Chase Amazon
- Approved – yes
- Credit limit – $9,000
- Credit Score – 750
Applicant #34
- Card – Discover It
- Approved – yes
- Credit limit – $2,000
- Credit Score – 726
Applicant #35
- Card – Citi Double Cash
- Approved – yes
- Credit limit – $3,100
- Credit Score – n/a
Applicant #36
- Card – Chase United
- Approved – no
- Credit limit – n/a
- Credit Score – too many inquiries
Applicant #37
- Card – Verizon card
- Approved -yes
- Credit limit – $2,200
- Credit Score -706
Applicant #38
- Card – Amex Amazon Business
- Approved – yes
- Credit limit – $3,000
- Credit Score – 765
Applicant #39
- Card – Chase Freedom Student
- Approved – no
- Credit limit – n/a
- Credit Score – no history
Applicant #40
- Card – Capital One QuickSilver
- Approved – yes
- Credit limit – $10,000
- Credit Score – 800
Applicant #41
- Card – Citi Diamond
- Approved – yes
- Credit limit – $5,900
- Credit Score – 752
Applicant #42
- Card – Capital One QuickSilver
- Approved -yes
- Credit limit – $10,000
- Credit Score -760
Applicant #43
- Card – Amex Cash Magnet
- Approved – yes
- Credit limit – $1,000
- Credit Score – 760
Applicant #44
- Card – Chase Freedom Unlimted
- Approved – yes
- Credit limit – $10,800
- Credit Score – 760
Applicant #45
- Card – Citi
- Approved – yes
- Credit limit – $6,400
- Credit Score – 760
Applicant #46
- Card – Bank Of America
- Approved – yes
- Credit limit – $1,500
- Credit Score – 760
Applicant #47
- Card – Bank Of America Amricard
- Approved – yes
- Credit limit – $3,000
- Credit Score – 752
Applicant #48
- Card – US Bank
- Approved – yes
- Credit limit – $3,000
- Credit Score – 750
Applicant #49
- Card – Amex Blue Cash
- Approved – yes
- Credit limit – $5,400
- Credit Score – 710
Applicant #50
- Card -Amex Gold
- Approved – yes
- Credit limit – n/a
- Credit Score – 660
Applicant #51
- Card -Chase Freedom
- Approved – yes
- Credit limit – $7,500
- Credit Score – 750
June 2020
Key Takeaways
- Chase personal, Citi still going strong with approvals
- Amex has a slight slow down, Capital One and Chase Business is mostly declining
- Applicants with credit scores below 700 are mostly getting declined
Applicant #01
- Card – Amex Blue Cash
- Approved – no
- Credit limit – n/a
- Credit Score – 710 – has a previous returned check with amex
Applicant #02
- Card – Capital One Venture
- Approved – no
- Credit limit – n/a
- Credit Score -790
Applicant #03
- Card – Chase Sapphire Preferred
- Approved – yes
- Credit limit – $5,000
- Credit Score – 801
Applicant #04
- Card – Chase Ink
- Approved – no
- Credit limit – n/a
- Credit Score – 778
Applicant #05
- Card – Chase Sapphire
- Approved – yes
- Credit limit – $16,000
- Credit Score – 778
Applicant #06
- Card – Barclays Jet Blue
- Approved – no
- Credit limit – n/a
- Credit Score – 778
Applicant #07
- Card – Amex Hilton Honors
- Approved – yes
- Credit limit – $1,000
- Credit Score – 707
Applicant #08
- Card – US Bank Business card
- Approved – no
- Credit limit – N/A
- Credit Score -750
Applicant #09
- Card – Capital One Spark
- Approved – no
- Credit limit – N/A
- Credit Score – 750
Applicant #10
- Card – Amex Blue Business Cash
- Approved – yes
- Credit limit – $13,500
- Credit Score – Approx 800
Applicant #11
- Card – Chase United Explorer
- Approved – yes
- Credit limit – $5,000
- Credit Score – no clue
Applicant #12
- Card – Chase Freedom
- Approved – yes
- Credit limit – $1,400
- Credit Score – 690
Applicant #13
- Card – Paypal
- Approved – yes
- Credit limit – $2,500
- Credit Score – 680
Applicant #14
- Card – Freedom Unlimted
- Approved – no
- Credit limit – N/A
- Credit Score – N/A
Applicant #15
- Card – Chase Sapphire
- Approved – yes
- Credit limit – $21,000
- Credit Score – 745
Applicant #16
- Card – Amex Gold
- Approved – no
- Credit limit – N/A
- Credit Score – 750
Applicant #17
- Card – Discover
- Approved – yes
- Credit limit – $1,000
- Credit Score – 710
Applicant #18
- Card – Lowes credit card
- Approved – yes
- Credit limit – $25,000
- Credit Score – 720
Applicant #19
- Card – Chase Freedom
- Approved – no
- Credit limit – N/A
- Credit Score – 713
Applicant #20
- Card – Chase Freedom Unlimted
- Approved – yes
- Credit limit – $2,500
- Credit Score -699
Applicant #21
- Card – Citi Premier
- Approved – yes
- Credit limit – $2,000
- Credit Score – 780
Applicant #22
- Card – Citi Rewards
- Approved – yes
- Credit limit – $9,000
- Credit Score -N/A
Applicant #23
- Card – Jet Blue
- Approved – yes
- Credit limit – $8,000
- Credit Score – 720
Applicant #24
- Card – Citi Diamond
- Approved – yes
- Credit limit – $12,000
- Credit Score – 720
Applicant #25
- Card – Chase British Airways
- Approved – yes
- Credit limit – $6,500
- Credit Score – 780
Applicant #26
- Card – Citi Simplicity
- Approved – yes
- Credit limit – $3,200
- Credit Score -761
Applicant #27
- Card – Five Star Bank
- Approved – yes
- Credit limit – $5,000
- Credit Score – 801
Applicant #28
- Card – Discover
- Approved – yes
- Credit limit – $1,000
- Credit Score – No credit history, AU on a 21-year-old card
Applicant #29
- Card – Discover Secured
- Approved – yes
- Credit limit – $200
- Credit Score – No credit history
Applicant #30
- Card – Amex Hilton Surpass
- Approved – yes
- Credit limit – $2,000
- Credit Score – 750
Applicant #31
- Card – Discover
- Approved – yes
- Credit limit – $8,500
- Credit Score – 780
Applicant #32
- Card – Amex
- Approved – yes
- Credit limit – $5,400
- Credit Score – 770
Applicant #33
- Card – Citi Premier
- Approved – yes
- Credit limit – $5,700
- Credit Score – 730
Applicant #34
- Card – Chase Sapphire Preferred
- Approved – no
- Credit limit – N/A
- Credit Score – 740
Applicant #35
- Card – Amex Blue Business
- Approved – yes
- Credit limit – $9,000
- Credit Score – 748
May 2020
Key Takeaways
- Chase personal, Amex, and Citi are still going strong with approvals
- Capital One and Chase Business is mostly declining
- Applicants with credit scores below 700 are mostly getting declined
- Apple card approved several applicants with scores in the six’s
Applicant #01
- Card – Chase Sapphire
- Approved – Yes
- Credit limit – $5,000
- Credit Score – 730 on CK, 10 months credit history
Applicant #02
- Card – Chase Amazon Prime
- Approved – Yes
- Credit limit – $5,000
- Credit Score – 774
Applicant #03
- Card – Amex Business Platinum
- Approved – Yes
- Credit limit – N/A
- Credit Score – 770
Applicant #04
- Card – Chase Ink Business
- Approved – no
- Credit limit – N/A
- Credit Score – six something
Applicant #05
- Card – Apple Card
- Approved – Yes
- Credit limit – $4,000
- Credit Score – 697
Applicant #06
- Card – Chase United Club Card
- Approved – Yes
- Credit limit – $15,600
- Credit Score – 781
Applicant #07
- Card – Chase Sapphire
- Approved – Yes
- Credit limit – $5,000
- Credit Score – 697
Applicant #08
- Card – Chase Ink Business
- Approved – No
- Credit limit – N/A
- Credit Score – 701
Applicant #09
- Card – Apple card
- Approved – Yes
- Credit limit – $1,000
- Credit Score – 690
Applicant #10
- Card – Chase Freedom
- Approved – Yes
- Credit limit – $11,500
- Credit Score – 750
Applicant #11
- Card – Amex Platinum
- Approved – No
- Credit limit – N/A
- Credit Score – 700
Applicant #12
- Card – Chase Ink Business
- Approved – No
- Credit limit – N/A
- Credit Score – 760
Applicant #13
- Card – PayPal credit card
- Approved – Yes
- Credit limit – $5,000
- Credit Score – 740
Applicant #14
- Card – Discover
- Approved – No
- Credit limit – N/A
- Credit Score – 714
Applicant #15
- Card – Amex Everyday
- Approved – No
- Credit limit – N/A
- Credit Score – 743
Applicant #16
- Card – Chase
- Approved – Yes
- Credit limit – $12,000
- Credit Score – 700
Applicant #17
- Card – Apple Card
- Approved – Yes
- Credit limit – $1,250
- Credit Score – 623
Applicant #18
- Card – Chase Freedom
- Approved – Yes
- Credit limit – $3,500
- Credit Score – 775 – Credit build with piggybacking only
Applicant #19
- Card – Amex Hilton
- Approved – Yes
- Credit limit – $8,900
- Credit Score – 713
Applicant #20
- Card – Citi
- Approved – Yes
- Credit limit – $4,100
- Credit Score – 763
Applicant #21
- Card – Amex Blue Cash
- Approved – Yes
- Credit limit – $5,500
- Credit Score – 713
Applicant #22
- Card – Citi Simplicity
- Approved – No
- Credit limit – N/A
- Credit Score – 680 – Due to high balances
Applicant #23
- Card -Amex Amazon Business Card
- Approved – Yes
- Credit limit – $10,000
- Credit Score – 762
Applicant #24
- Card – Citi Simplicity
- Approved – Yes
- Credit limit – $500
- Credit Score – 750
Applicant #25
- Card – Amex Blue Business
- Approved – No
- Credit limit – N/A
- Credit Score – 720
If you recently applied for a credit card please submit your data, 1) What credit card? 2) Were you approved? 3) Credit limit? 4) Your credit score? You can submit your data in the comments below or email [email protected] and I will update the post accordingly. Thanks!
American express blue cash
Was Additional on a blue cash card from February 2020 has 6 month credit history on Trans Union. 718 credit score. Got approved for $1000 2 weeks ago
Thanks will update post
Got approved for $7,200 limit with the American Express Delta SkyMiles gold have additional credits for about 2 years only 750
Thanks will update post
I applied 2 weeks ago for my first credit card (was additional before for about 1 year) and I was approved right away
For the capital one Walmart rewards card. Got a 1000 dollar limit
What’s your credit score?
Glad to see mine made it to the post!
Thanks for joining the survey
Wow looks pretty bad approval odds to me
NOT approved for Chase Freedom
Credit score 730
Additional user for months on 2 chase cards in good standing.
Chase doesn’t count AU. try rather the Capital One Journey