Thinking about chase credit cards, read the following. To develop a model, a creditor selects a random sample of its customers, or a sample of similar customers if their sample is not large enough, and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk.
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The issuer may send you a renewal or substitute card without a request. Card issuers are permitted to mail you an application or a solicitation for a or to ask you by phone whether you want to receive a card and to send you one if you say yes.
Have you paid your bills on time? payment history typically is a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.