Reply
Established Member
Jansroom726
Posts: 42
Registered: ‎11-11-2013

Chances for Chase Freedom? Thoughts....

Hey guys, I'm really interested in the Chase Freedom card, but would like your option on my chances for approval.

I'm specifically looking for a CL of at least 5K on this card,

But at the same time I would like to apply while the $200 bonus is still being offered.

 

Here are my current stats:

 

Scores around 680-690.

 

- Amex Gold: NPSL : $0Bal (1/12)

- Amex Delta: $1k : $0Bal (Just got this card 11/13 - but backdated to jan 12)

- Citi DP: $3k : $1,200 Bal (0% into apr) (6/13)

- Discover IT: $2k : $0Bal (4/12)

- Cap1 Quicksilver: $3k : $0Bal (5/11)

- Best Buy MC: $1k : $0Bal (12/10)

- Best Buy store card: $1k  : $0Bal (3/12)

- Express Store card: $500 : $0Bal (Just got this card 11/13)

 


- If it helps, I also bank with chase, and have an auto loan with them. (Auto loan in Jan '13)

 

No baddies, lates, etc...

 

Basically, I'd like to get this card especially with the $200 bonus, however I would only really like this card with about a 5k limit.

 

Thoughts?

 

Age = 23 | Current scores around 690 | Income = $40k | No baddies or lates

Gardening until June 2014. Next App:
New Contributor
dsw283
Posts: 68
Registered: ‎02-21-2012

Re: Chances for Chase Freedom? Thoughts....

I would think approval wouldn't be a problem as I was just approved with them and my experian was only a 655 at the time I applied.  The only thing I think would be holding you back is that you don't have any other cards near that $5,000 limit, as well as your income I think would have a factor in this as well.

Starting Score: TU: 641 EQ: 626 EX: 641
Current Score My FIco Pulls :TU: 659 EQ: 650 EX: 657
Creditor Pulls: TU 613
Goal Score: 750s Across the Board

Started this gardening thing on 12/4/13.
Community Leader
Valued Contributor
myjourney
Posts: 23,569
Registered: ‎02-07-2013

Re: Chances for Chase Freedom? Thoughts....

No one can say if you'll get a 5k line 

Especially since you have no 5k history lines..sorry 

More ifo needed 

INQ's the last year scores

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Regular Contributor
CenturyChild
Posts: 152
Registered: ‎08-06-2012

Re: Chances for Chase Freedom? Thoughts....

Id say approval odd are very,very good. 

I got the Freedom around the 1st of last month, and just got the Amazon Visa (also Chase) this month. So that new card shouldn't really hurt anything.

 

The limit no one can answer.

 

But I would say if you go for it and do not get the limit you want just wait 6 months and call them and ask for a CLI.

Thats what Im doing with mine. It costs a HP for a CLI so no point taking a double hit now. Better off to wait a bit where the chances will be higher of getting what you want.

--Gardening until 12-2014--

Average Starting FICO 585 (6-12)
Current FICO 685 as of (3-14)
Mega Contributor
Creditaddict
Posts: 16,879
Registered: ‎10-23-2007

Re: Chances for Chase Freedom? Thoughts....

have you checked the pre-qual on chase's website?

I would think you are good to go!

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Established Member
Jansroom726
Posts: 42
Registered: ‎11-11-2013

Re: Chances for Chase Freedom? Thoughts....

Well - I pulled the trigger.

Approved for 3k.

 

Maybe in a few months after a relationship builds i'll ask for a CLI. 

 

 

Age = 23 | Current scores around 690 | Income = $40k | No baddies or lates

Gardening until June 2014. Next App:
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: Chances for Chase Freedom? Thoughts....


Jansroom726 wrote:

Well - I pulled the trigger.

Approved for 3k.

 

Maybe in a few months after a relationship builds i'll ask for a CLI. 

 

 


congrats! :smileyhappy: just remember chase CLIs are HPs



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Frequent Contributor
mnavas
Posts: 374
Registered: ‎02-04-2013

Re: Chances for Chase Freedom? Thoughts....


Jansroom726 wrote:

Well - I pulled the trigger.

Approved for 3k.

 

Maybe in a few months after a relationship builds i'll ask for a CLI. 

 

 

Congrats on the approval!

 

Regular Contributor
kaskuli
Posts: 133
Registered: ‎04-25-2013

Re: Chances for Chase Freedom? Thoughts....

Congrats!


Scores: TU - 683 (Discover FICO - 3/21/2014), EQ - 694 (MyFico FICO - 4/10/2013)
Notable CC: Chase® Freedom Visa Signature $7K | Amex BCP $7.5K | AmeX PRG NPSL | Discover It $2.5K |
Current Overall CL: $22.7K | UTL: 14% | AAoA 11 months | Gardening 1/1/2014 ~ 7/18/2014 | Inqs EQ: 2 EX : 3 TU : 5
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Chances for Chase Freedom? Thoughts....


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+