I was saying this for OP because he has no credit. I applied for mine in brand this week and was told that if I didn’t have $ with them I wouldn’t have gotten it (younger than op but solid score based on AU history). Tho for anyone apply for the CFU, apply in branch, extra 50 on the SUB. My mom was the same as you tho, no account even, just walked in and applied, approved right away, preferred. Idk if you have a credit history or a banking history with chase but that might have helped