Bit of a specific Q but thinking about applying to the CSR, but don’t want to get rejected. 1st year undergrad MBB salary, 15k student loans. Thanks!

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Is your Q “what are my odds of getting rejected, based on this info”? There’re more factors than what you listed that go into the application consideration; credit score, debt-to-income ratio, etc. To better your odds, include all of your income types. If you think you did everything right and the worst still happens (you get denied), you can call the issuer and ask for reconsideration. Bottom line is you need to take full stock of your situation before applying (check your credit report for blemishes, for example). Annualcreditreport.com is your (free) friend

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Do you have a credit history? Is your credit score over 700? If the answer to both of these is yes you should be fine

What does your credit situation look like? Approximate score? Do you have any open credit cards today? How many cards did you open in the last 2 years?

Update: Credit score around 760; just two other open credit cards, including one opened in last two years

You’re probably fine then. Most of the stuff Chase is looking at is wrapped up in your credit score. Since you’re under the 5 cards opened in 24 months limit, I think the only other Chase specific things that are out there is roughly how much credit limit do you have?
And how much of that is with chase?

IIRC you’ll want to have at least $10-20k credit limit. More is better.

And the smaller percentage of that that’s with chase is better. The last one isn’t a deal breaker, since you can usually just have them move credit limits around between your cards e.g. from your existing chase cards to the new CSR card.

Thanks!

I had 1 credit card open through a credit union for about 2 years, around 730 credit score and applied for it when I started working out of UG and was instantly approved

Might want to wait for the next 100k point offer, just an FYI

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