Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
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!   Smiley Very 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 Smiley Happy 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
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
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
Posts: 1,419
Registered: ‎01-14-2009
0

Re: Chase Freedom Approved!

Congrats! Nice set of cards, except for Capital One. Smiley Tongue

Frequent Contributor
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 Smiley Happy


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
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
Posts: 346
Registered: ‎02-01-2012
0

Re: Chase Freedom Approved!


kevinjjc wrote:

Congrats! Nice set of cards, except for Capital One. Smiley Tongue


Thanks, I know what you mean about the horror stories from Capital One. Smiley Tongue

 

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 Smiley Happy 

Valued Contributor
Posts: 1,419
Registered: ‎01-14-2009
0

Re: Chase Freedom Approved!


CC365 wrote:

kevinjjc wrote:

Congrats! Nice set of cards, except for Capital One. Smiley Tongue


Thanks, I know what you mean about the horror stories from Capital One. Smiley Tongue

 

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 Smiley Happy 


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
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
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. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.