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Are Credit Cards Still Approving? July Update

- Jul 21, 2020 Covid-19, News12 comments

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 sam@helpmebuildcredit.com).

Here’s the list of applicants we interviewed and their responses:

July 2020

Key Takeaways

  1. Chase personal and Citi are still going strong with approvals
  2. Amex is still approving but with lower credit limits
  3. Capital One is still slow but a little better than the last few months
  4. Applicants with credit scores below 700 are mostly getting declined
  5. 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

  1. Chase personal, Citi still going strong with approvals
  2. Amex has a slight slow down, Capital One and Chase Business is mostly declining
  3. 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

  1. Chase personal, Amex, and Citi are still going strong with approvals
  2. Capital One and Chase Business is mostly declining
  3. Applicants with credit scores below 700 are mostly getting declined
  4. 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 withΒ piggybackingΒ 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 sam@helpmebuildcredit.com and I will update the post accordingly. Thanks!

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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12 Comments

  1. 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

    Reply
    • Thanks will update post

      Reply
  2. Got approved for $7,200 limit with the American Express Delta SkyMiles gold have additional credits for about 2 years only 750

    Reply
    • Thanks will update post

      Reply
  3. I applied 2 weeks ago for my first credit card (was additional before for about 1 year) and I was approved right away

    Reply
    • For the capital one Walmart rewards card. Got a 1000 dollar limit

      Reply
      • What’s your credit score?

        Reply
  4. Glad to see mine made it to the post!

    Reply
    • Thanks for joining the survey

      Reply
  5. Wow looks pretty bad approval odds to me

    Reply
  6. NOT approved for Chase Freedom

    Credit score 730

    Additional user for months on 2 chase cards in good standing.

    Reply

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