Chase Freedom- Denied (Update: Approved)

[Anonymous]

Thanks for the advice everyone! I'll be changing the Venture to the Quicksilver and calling recon at Chase again tomorrow. I'll keep you updated.

[Anonymous]

Update: When checking for pre-qualified offers on Chase website, Freedom, FU, and Slate now appear. They weren't there when I originally applied last week. Should I go for it?

[DeeBee78]

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@Anonymous wrote:

Update: When checking for pre-qualified offers on Chase website, Freedom, FU, and Slate now appear. They weren't there when I originally applied last week. Should I go for it?

The time frame they're looking for is 6 months of usage. I wouldn't waste another HP before your CSR is 6 statements old since they will most likely deny you with the same reason as before (limited history). 

I'm a little surprised that Chase started you off with a CSR. The prior auto loan must have done wonders for the internal scoring they use for risk. 

[Anonymous]

Soooo I couldn't resist and I went for it. I am now the proud owner of a CSR, CF, and CFU. I couldn't be happier!

[Anonymous]

Congrats on your trifecta!

[Anonymous]

Congrats!

Also, not sure if this was mentioned, but 0% utilization can hurt your scores 10-15 points.  Make sure to let a $5 balance post at statement cut on a non-Chase card and pay it off after statement cuts to avoid interest.  That $5 reporting on a non-Chase card will raise your FICO scores.

Chase doesn't work for this "AZEO Method" (see my 11 rules link about it) because if you pay Chase to $0 after statement cut, they will re-update reports to show a $0 balance and you'll be back to 0% utilization.

[Anonymous]

Congratulations on getting a Chase hat trick!