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Member
phoenician
Posts: 9
Registered: ‎07-16-2011

Chase Freedom, Discover IT, surprise limits

I applied for the Chase Freedom card in January of this year. My score watch on here through Equifax was 707. I'm not sure which one Chase uses to check. Approved, but my limit was $800. Surprisingly low considering what I've seen others getting on here with similar scores and histories.

 

Last week I applied for the Discover It card. I've been getting their spam via snail mail 3 or 4 times per week for months now. It seemed equivalent to the Freedom card, so I figured I'd apply.

 

I was approved and, to my surprise, the limit came back to be $6000. To make it even more surprising, the report that came with it says they used Experian and the score was 676 (BS).

 

While I'm happy I have both cards, and I'm stoked about the limit, I can't say I understand why the one limit is nearly 10x the other limit under the same financial circumstances and history and with that kind of score disparity. I wish the Freedom card had a similar limit. Honestly, it's what I was expecting when I applied earlier this year. Oh well, at least I have the card.

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Valued Contributor
myjourney
Posts: 23,569
Registered: ‎02-07-2013

Re: Chase Freedom, Discover IT, surprise limits

Congrats 

"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
Valued Contributor
alvon123
Posts: 3,357
Registered: ‎09-24-2013

Re: Chase Freedom, Discover IT, surprise limits

congrats

Mouse cursor over cards to see limits
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09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Chase Freedom, Discover IT, surprise limits

Super Contributor
coldnmn
Posts: 7,763
Registered: ‎08-08-2011

Re: Chase Freedom, Discover IT, surprise limits

Congrats! Thanks for sharing.


My Wallet: Ace US Bank $6000 / Walmart Discover $6000 / US Bank Cash+ Signature $5500 / Discover IT $5000
/ Care Credit $5000 / PayPal SmartConnect $4000 / Sam's Discover $4000 / Cap1 Quicksilver $4000
/ Barclay Ring $3550
Last App 10/25/13 / Gardening to keep ahead of Wade to Diamond! ROFLOL!
Contributor
Down_2Bizness
Posts: 103
Registered: ‎09-30-2013

Re: Chase Freedom, Discover IT, surprise limits

WTG, that's a nice limit. Congrats.

Starting Score: EQ FICO 566 09/30/13
Current Score: EQ FICO 688 3/10/14 TU FICO 680 3/10/14 (Barclaycard) EX FICO 691 1/12/14 (LP)
Goal Score: 700
My Wallet: Capital One $1000 / Wells Fargo Secured $1000 / J Crew $850 / Victoria's Secret $500 / Barclay Apple Financing Visa $2500 / Discover It $1400 / Home Depot $2500 / Delta Skymiles AmEx $1000


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