Credit Card Center Advertiser Disclosure

Established Member
Posts: 24
Registered: ‎10-25-2012
0 Kudos

approved for Chase Freedom $3,500



I started my credit repair about a year ago with scores so low I could cry and multiple CA.  Like an idiot, I thought that once my FICO was at 600+, I would qualify for a few store cards and easier cards.  I apped for WalMart, Macys, Gap, and JC Pennys and was declined for all of them.  I then learned about the shopping card trick and got a Buckle for $250 and a VS for $500.  I also went to my USAA credit union and plunked down $600 for a secured Amex and deposited more money 6 months later to bring the balance to $1,000.  I also got my mother to list me as an AU on her Amex.  Add a Cap One for $300 and a Credit One for $400 and that's my list of credit.


My credit report has a medical CO of approx $3k from 4 years ago, and an old Sallie Mae 120 day late.  I rehabed my student loan and the current student loan holder promptly removed the tradeline, but the Sallie Mae stayed.


I was happily growing in the garden and not looking to do anything until I grew my secured USAA Amex card to $2,000, and found out that mom just closed her Amex card so my AAoA tanked to under a year.  I noticed that Experian still had not dropped moms Amex to closed, so I thought I'd try to sneak an app in and see what happens.


I've diligently kept my utilization under 5%, and I have had a relationship with Chase for over 4 years - so I thought I'd start with them.  I appd thinking that if if was denied (which I was expecting) then at least I could get another round of free credit reports due to the denial.  I was shocked when the screen popped up that I was instantly approved for $3,500!!!!! 


Just wanted to share!  Back in the garden!

Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
0 Kudos

Re: approved for Chase Freedom $3,500


New Contributor
Posts: 351
Registered: ‎06-02-2013
0 Kudos

Re: approved for Chase Freedom $3,500

Congrats. It is always nice when hard work pays off!

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Posts: 179
Registered: ‎06-28-2013
0 Kudos

Re: approved for Chase Freedom $3,500


Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
0 Kudos

Re: approved for Chase Freedom $3,500


Community Leader
Valued Contributor
Posts: 1,111
Registered: ‎05-28-2013
0 Kudos

Re: approved for Chase Freedom $3,500

Congrats!  I still have yet to add Chase to my cc lineup.

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

Re: approved for Chase Freedom $3,500

Valued Member
Posts: 29
Registered: ‎03-06-2013
0 Kudos

Re: approved for Chase Freedom $3,500


Starting Score: EX: 678 EQ: 677 TU: 667 03/06/2013
Current Score: EX: 684 EQ: 687 TU: 705 03/31/2014 / Last App: 08/04/2013 / In the Garden Until: 01/04/2013

      NPSL           $5000           $3000           $3000           $2500           $2000           $1000            $1000           $1000           
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0 Kudos

Re: approved for Chase Freedom $3,500


Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0 Kudos

Re: approved for Chase Freedom $3,500

nice cl! congrats Smiley Happy

LAST APP: 08/20/2013

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.