PenFed said no, Chase said YES!

SmileNWave · ‎04-11-2023

I've recently been looking for a card to move my balance out of Navy Fed. They're the last institution I want to burn if stuff goes sideways. Applied for a PenFed Gold, declined. I happen to have a Chase branch next door to my new job, so I dropped by after work and talked with a very helpful gentleman who was intrigued by the fact that I had a Credit Journey account with them without having any other Chase products. Using that info, they managed to look me up and it showed pre-approved for ALL Chase cards. I have no need for another travel card, so I skipped the shiny Sapphire's and went for something a little more basic. Walked out with an approval for a Chase Freedom Flex for a limit of $6800 and an APR of drumroll please 27%! Yikes. Needless to say, I don't intend to carry a balance on it after the 15 months promotional period.

DPs

EX FICO 8: 741 (unnafected by hard pull, oddly)

Income: $42k/year

3/24 new accounts at time of application

28% utilization overall (thanks DIsco and NFCU for those recent CLI's)

Rdbeetle · ‎04-11-2023

Congrats on your Chase FF approval!!!

SchoolsFirst FCU MC $25k
USBank Cash+ $15k
AMEX BCP $10k
CapOne WM MC $5k
FICO 8 Scores: EQ 808 I EX 804 I TU 801

M_Smart007 · ‎04-11-2023

Congrats on your Flex Approval!

CreditMagic7 · ‎04-11-2023

Congratulations on the Chase Flex Approval!

EAT_SLEEP_JEEP · ‎04-11-2023

congrats on the approval

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $33,000/WELLS FARGO AUTOGRAPH $8200 CL /

SOCK DRAWERED/ FNBO JEEP CARD $7700/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700

fury1995 · ‎04-11-2023

Awesome approval! Congrats!

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

alextercero · ‎04-11-2023

Congrats on the approval

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

Traveler101 · ‎04-11-2023

Congratulations 🎊

CreditAggie · ‎04-11-2023

Congratulations on your CFF approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

TheRedHat · ‎04-11-2023

Congrats on your approval!

Last update: 4/8/2024
Chopping Block:

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