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Established Contributor
Posts: 524
Registered: ‎12-18-2014
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DW Chase freedom unlimited - 30 days message

I saw the signup bonus offer on my DW chase account for freedom unlimited.

 

She already have Chase freedom regular card, received last year. her scores are in range of 750-760 across 3 CBs. TU - 1inq, EQ -0 inqs, EX - 2 inqs. 

 

So, i apped the chase freedom unlimited inside her account->offers section. i thought it would a solid offer, which also showed chase sapphire, chase slate as total 3 offers.

 

so i went head and submitted for chase unlimited. after submissison, it said "thanks, the decision is under review. we will write in 30 days"

 

Is that a denial? or any additional verification requirement?

 

What might actually a change in her profile is, on the Gross income , i added my annual salary additional to her.  Would that trigger any additional verification?

 

Should we wait till next week and call them?

 

Any inputs are welcomed.

8/14/2017 FICO TU-812|EX - 808|EQ -806
Total Credit - $201.4K

Starting Score: 640
Current Score: 805
Goal Score: 850


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Valued Contributor
Posts: 2,228
Registered: ‎02-14-2016

Re: DW Chase freedom unlimited - 30 days message


GetMeSlick wrote:

I saw the signup bonus offer on my DW chase account for freedom unlimited.

 

She already have Chase freedom regular card, received last year. her scores are in range of 750-760 across 3 CBs. TU - 1inq, EQ -0 inqs, EX - 2 inqs. 

 

So, i apped the chase freedom unlimited inside her account->offers section. i thought it would a solid offer, which also showed chase sapphire, chase slate as total 3 offers.

 

so i went head and submitted for chase unlimited. after submissison, it said "thanks, the decision is under review. we will write in 30 days"

 

Is that a denial? or any additional verification requirement?

 

What might actually a change in her profile is, on the Gross income , i added my annual salary additional to her.  Would that trigger any additional verification?

 

Should we wait till next week and call them?

 

Any inputs are welcomed.


As always you need to call the auto status line and see what robo lady says. The online message means almost nothing, as any non-instant-approval will give you that 30-days message online.

 

When you call robo lady, she has 4 possible statuses (stati?):

1. Your application has been approved!

2. you will be notified of our decision within 30 days

3. something about 2 weeks

4. you will be notified of our decision within 7-10 business days

 

1 is obvious, 2 often leads to an approval after a few days or weeks, 3 usually leads to an approval after a few days, 4 is almost always a denial.

Established Contributor
Posts: 524
Registered: ‎12-18-2014

Re: DW Chase freedom unlimited - 30 days message

Thanks for the info. I just called the automated number. I was told, it would be notified in 30 days.

As per your info, I m happy. Will wait for approval and post it here.

Happy weekend.
8/14/2017 FICO TU-812|EX - 808|EQ -806
Total Credit - $201.4K

Starting Score: 640
Current Score: 805
Goal Score: 850


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016

Re: DW Chase freedom unlimited - 30 days message

30 days is a good sign. Last year I had a 30 days; 3 days later 'Approved'. Just check back occasionally, they will give you account details with approval
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
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Established Contributor
Posts: 524
Registered: ‎12-18-2014

Re: DW Chase freedom unlimited - 30 days message

Thank you all. got approved for $25k. Smiley LOL

8/14/2017 FICO TU-812|EX - 808|EQ -806
Total Credit - $201.4K

Starting Score: 640
Current Score: 805
Goal Score: 850


Take the myFICO Fitness Challenge
Moderator
Posts: 8,371
Registered: ‎06-20-2015
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Re: DW Chase freedom unlimited - 30 days message

This thread is locked and closed to new messages.  Don't worry, though, you can find the afterparty here:

 

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Whoa-25k-chase-freedom-UNL-approval-DW/m-p/489...

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