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Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Chase Freedom Approved!

[ Edited ]

I finally decided to app for the Freedom and was approved. I called the automated number and I got a $500 limit but I will recon for a higher limit since a few of my other cards haven't reported their new limits. 

 

So now my portfolio looks like this: 

1) Discover More

2) Citi Forward 

3) Chase Freedom 

4) Capital One Journey 

 

All in all given the fact that I only started my credit card journey during January-February of this year I'm pretty satisifed!   :smileyvery-happy:

 

EDIT: I contacted them once and they said it would be a 2nd hardpull whenever my other accounts post the new credit lines. I will contact the Ex. Department on Monday to see if they can do something better. If not, I will probably let my other cards grow for another 6 months, request a CLI from them and once they report a new limit...I'll allow Chase to pull and have them match it or compete by giving me a higher limit :smileyhappy: The good thing is that within 2-6 months the majority of my inquiries will be over 1 year with the exception of 3. Therfore, 1 Inquiriy from Chase and at worst an inquiry from Citi, Capital One, and Discover wouldn't damage my score too much. 

 

Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: Chase Freedom Approved!

Congrats. What's your current score? 

TU 746 (10/13)
GOAL: 750+






Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Chase Freedom Approved!

Congrats! Thats an awesome profile, now head to the garden and let them grow so you can get over the toy limit hump.

$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
kevinjjc
Posts: 1,347
Registered: ‎01-14-2009
0

Re: Chase Freedom Approved!

Congrats! Nice set of cards, except for Capital One. :smileytongue:

Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
0

Re: Chase Freedom Approved!

congrats on your chase freedom approval.. and just in time to take advantage of the upcoming 2013 1st quarter 5% gas rewards :smileyhappy:


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: Chase Freedom Approved!

[ Edited ]

Tran92 wrote:

Congrats. What's your current score? 


Thanks, last month my EQ FICO was 710. 

Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: Chase Freedom Approved!


kevinjjc wrote:

Congrats! Nice set of cards, except for Capital One. :smileytongue:


Thanks, I know what you mean about the horror stories from Capital One. :smileytongue:

 

I have to admit...I like them. They were the first company to approve me when I had no credit. My limit was $300, went to $500 via credit steps, and last month I spoke with their executive department and I got a $500 increase. So my total credit line is $1,000 + 1% back on all purchases + 25% cash back bonus per month on the 1% cash back I earned for the month. So as you can see...they have treated me pretty good :smileyhappy: 

Valued Contributor
kevinjjc
Posts: 1,347
Registered: ‎01-14-2009
0

Re: Chase Freedom Approved!


CC365 wrote:

kevinjjc wrote:

Congrats! Nice set of cards, except for Capital One. :smileytongue:


Thanks, I know what you mean about the horror stories from Capital One. :smileytongue:

 

I have to admit...I like them. They were the first company to approve me when I had no credit. My limit was $300, went to $500 via credit steps, and last month I spoke with their executive department and I got a $500 increase. So my total credit line is $1,000 + 1% back on all purchases + 25% cash back bonus per month on the 1% cash back I earned for the month. So as you can see...they have treated me pretty good :smileyhappy: 


I'm happy for your success thus far with Capital One. Now let's see if that 1k credit limit will grow with you as time goes on.

Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: Chase Freedom Approved!

[ Edited ]

Congrats, Chase is ridicolous some times, 500 CL @ 710 ? They will auto CLI whopping 200 in 6 months time likely. 

Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: Chase Freedom Approved!

[ Edited ]

AF_23 wrote:

Congrats, Chase is ridicolous some times, 500 CL @ 710 ? They will auto CLI whopping 200 in 6 months time likely. 


I know! I was expecting around a $1,000 or more CL. I have a checking account with them for over 6 years (when I started high school it was a joint account), no negatives (lates, collections, etc) on any report, 710 EQ FICO, over $20,000 income, and the only reason for a $500 limit...only about a year of revolving history. The only reason I will keep it is that I have my account with them and I can link the card as Overdraft protection. Hopefully I will get it matched soon and if not within 6 months -1 year I'll request a CLI. 


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