topic Re: Pulled the trigger early! in Credit Cards

Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 07:07:44 GMT

I pulled the trigger earlier than expected on the Chase Freedom card!! My plan was to wait until my UTIL was down before applying for the card but I was in a good mood. So glad I went ahead with it!! Was instantly approved!!

So of course you get THIS message when you apply online.

Called the backdoor number to find out my limit!! It's $3k and standard APR 22.9% after 15 month 0% intro APR. SOOO EXCITED! Happy dance! So far...my highest limit "regular" card!!

Re: Pulled the trigger early!

CruzImperial — Tue, 09 Oct 2012 06:55:08 GMT

Congrats!! That's very nice to hear. I'm very happy for you :D

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 07:09:33 GMT

Thank you!!!! I'm surprised they approved me! I've applied to Chase a few times in the past and have always been denied for not enough reporting tradelines *frown*..Guess I have more than enough now! LMAO!

Re: Pulled the trigger early!

kwazziee — Tue, 09 Oct 2012 07:14:21 GMT

maiden_girl wrote:
I pulled the trigger earlier than expected on the Chase Freedom card!! My plan was to wait until my UTIL was down before applying for the card but I was in a good mood. So glad I went ahead with it!! Was instantly approved!!

So of course you get THIS message when you apply online.

Called the backdoor number to find out my limit!! It's $3k and standard APR 22.9% after 15 month 0% intro APR. SOOO EXCITED! Happy dance! So far...my highest limit "regular" card!!

What was your utl. at time of app? I am thinking of apping for this card but little scare.

EDIT: Opsy, forgot to congrat. Good job.

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 07:17:22 GMT

kwazziee wrote:
maiden_girl wrote:
I pulled the trigger earlier than expected on the Chase Freedom card!! My plan was to wait until my UTIL was down before applying for the card but I was in a good mood. So glad I went ahead with it!! Was instantly approved!!

So of course you get THIS message when you apply online.

Called the backdoor number to find out my limit!! It's $3k and standard APR 22.9% after 15 month 0% intro APR. SOOO EXCITED! Happy dance! So far...my highest limit "regular" card!!
What was your utl. at time of app? I am thinking of apping for this card but little scare.

EDIT: Opsy, forgot to congrat. Good job.

Thankiess!!

My overall UTIL is 24% :D

Re: Pulled the trigger early!

CruzImperial — Tue, 09 Oct 2012 07:20:43 GMT

lol you surely do haha show 'em how it's done :}

Re: Pulled the trigger early!

kwazziee — Tue, 09 Oct 2012 07:20:50 GMT

I am surprise at 24% and approved. So this mean each CCC has their own internal scoring system. From what other have psoted high utl means denied. Enjoy your card. Me so jealous:smileytongue:

Re: Pulled the trigger early!

sakhalin070 — Tue, 09 Oct 2012 07:24:07 GMT

Congrats! I was going to wait to get my UTIL down too before applying for the Discover More, but I pulled the trigger early too and also got approved.

Re: Pulled the trigger early!

Tran92 — Tue, 09 Oct 2012 07:37:38 GMT

Congrats what was your credit score when you got approved ?

Re: Pulled the trigger early!

alboto — Tue, 09 Oct 2012 08:00:47 GMT

woohooo!!!! Congrats!!!

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 08:08:26 GMT

Tran92 wrote:
Congrats what was your credit score when you got approved ?

THANK YOU!

I haven't checked my FICO recently but the last I checked it, it was between 700-720.

Re: Pulled the trigger early!

CreditScholar — Tue, 09 Oct 2012 08:21:29 GMT

kwazziee wrote:
I am surprise at 24% and approved. So this mean each CCC has their own internal scoring system. From what other have psoted high utl means denied. Enjoy your card. Me so jealous:smileytongue:

24% isn't that high. I got instantly approved for the old CO PP with about 30% reporting. I was told that it was going to be discontinued so I applied immediately. A few days later it was gone, so I'm glad I pulled the trigger. Util didn't seem to be a deal-breaker there for Chase.

Re: Pulled the trigger early!

MountainHiker — Tue, 09 Oct 2012 08:28:08 GMT

Congrats!!

Re: Pulled the trigger early!

alboto — Tue, 09 Oct 2012 08:32:10 GMT

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 08:35:25 GMT

alboto wrote:
I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.

Woah! Approved with 78% util? That's amazing!

Re: Pulled the trigger early!

alboto — Tue, 09 Oct 2012 08:41:08 GMT

maiden_girl wrote:
alboto wrote:
I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.
Woah! Approved with 78% util? That's amazing!

yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 08:44:39 GMT

alboto wrote:
maiden_girl wrote:
alboto wrote:
I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.
Woah! Approved with 78% util? That's amazing!
yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.

Did you have to recon with them or was it instant approval? I was previously banking with WaMu before the buy out so I merged with Chase. I just haven't changed banks. They have a lot of account fees -_- lol

Re: Pulled the trigger early!

alboto — Tue, 09 Oct 2012 08:53:02 GMT

maiden_girl wrote:
alboto wrote:
maiden_girl wrote:
alboto wrote:
I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.
Woah! Approved with 78% util? That's amazing!
yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.
Did you have to recon with them or was it instant approval? I was previously banking with WaMu before the buy out so I merged with Chase. I just haven't changed banks. They have a lot of account fees -_- lol

No, but I got the 7 to 10 days message. A couple of days later I got a call and got asked for security questions and right there I got approved. I then called the next day to get a higher CL to no avail (obvious reasons lol). now my uti. is in 23% and once a couple of PIF cards post by the 27th I'll be in 4%, that is when I'll try for a CLI and BCE.

Re: Pulled the trigger early!

maiden_girl — Tue, 09 Oct 2012 09:03:40 GMT

At least you got it and didn't have to waste a HP! I wonder how Chase is with CLIs. I'll definitely be using this card a lot and sock drawing Cap1 even after my exec office call..LOL.

Re: Pulled the trigger early!

alboto — Tue, 09 Oct 2012 09:06:58 GMT

I used it a lot and got my bonus lol, but I have to keep paying multiple times in a month just so I can keep using it.