Applying for Chase Freedom while waiting for BCE

[Anonymous]

Hi guys, just asked a question not too long ago and you guys had great responses! Now I have another.

I'm 20, I have an AMEX Gold card that I've had since 2011, and on my free credit reports from MyFICO and AMEX it also shows 710 for EX and 687-691 for EQ and TU. I also have on there a BoA card that I was an AU with a parent since 2009. It says its still current, but I have to talk to my parent about that and see, but it says no activity since 2011. (SIDE NOTE: If I remove myself as a user is the effect the same as closing the account?). The card has a $9,000 limit, but has had one 30 day late payment. Also, the credit reports show a $900 balance on my Gold card from last month even though I PIF (maybe someone can let me know if that is normal with a charge card, and if it is, how can I avoid it from showing like that in the future, considering I carry no balance I don't want it to show that I do!). I So those two factors along with my young credit history I guess are the things working against me right now, because other than that I haven't missed an AMEX payment at all and PIF every month. And one other thing I forgot to add, I applied for Bill Me Later when purchasing a computer last fall and got denied, so I have a HP on my EQ from April of 2012, on TU and EX the only HPs are from the AMEX Gold in 2011 which was obviously approved.

I just last night applied for the BCE from AMEX, I did it online, but of course it said they're systems were undergoing maintenance and it needed more information that it couldn't get from my account, but eventually I got to the point where it says that I'll find out shortly and can check my status online and what not. I'm guessing this probably means I'm declined? I was wondering, should I apply for another CC, maybe the Chase Freedom card or another one you guys might recommend, before this HP and possible denial shows up on my CR? Or is that a bad idea? 

Thanks in advance,

Art Vandelay

[ryanbush]

Go online and check the status, I called in this morning to add an employee to one of our business accounts and the rep mentioned that their computers had been down dealing with the time change and were just coming back up.  this was at 10am this morning

I would be checking every 10 minutes lol

[LS2982]

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@ryanbush wrote:

Go online and check the status, I called in this morning to add an employee to one of our business accounts and the rep mentioned that their computers had been down dealing with the time change and were just coming back up.  this was at 10am this morning

I would be checking every 10 minutes lol

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Good luck OP

Fingers crossed for ya!!

[SnackTrader]

https://www262.americanexpress.com/eaol/welcome.do

[Anonymous]

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@SnackTrader wrote:
https://www262.americanexpress.com/eaol/welcome.do

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Yeah that link says its in progress, so I guess it went through. If I havent heard back yet, is it most likely not going to get approved? 

And in the mean time, should I shoot for the Chase Freedom? Or should I wait and see if I get approved/denied?

[zerobacan]

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@Anonymous wrote:

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@SnackTrader wrote:
https://www262.americanexpress.com/eaol/welcome.do

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Yeah that link says its in progress, so I guess it went through. If I havent heard back yet, is it most likely not going to get approved? 

And in the mean time, should I shoot for the Chase Freedom? Or should I wait and see if I get approved/denied?

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WAIT AND SEE!!!!  then call Amex and ask. inqs hurts even more when you had the chance to waiiittttt

[Anonymous]

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@zerobacan wrote:

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@Anonymous wrote:

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@SnackTrader wrote:
https://www262.americanexpress.com/eaol/welcome.do

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Yeah that link says its in progress, so I guess it went through. If I havent heard back yet, is it most likely not going to get approved? 

And in the mean time, should I shoot for the Chase Freedom? Or should I wait and see if I get approved/denied?

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WAIT AND SEE!!!!  then call Amex and ask. inqs hurts even more when you had the chance to waiiittttt

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Lol, I was really banking on an instant approval, now I'm all flustered! 

when you say, inqueries hurt more when you had the chance to wait, are you saying I should apply for the Freedom now, or immediately after the AMEX decision? Sorry haha

[ryanbush]

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@Anonymous wrote:

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@zerobacan wrote:

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@Anonymous wrote:

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@SnackTrader wrote:
https://www262.americanexpress.com/eaol/welcome.do

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Yeah that link says its in progress, so I guess it went through. If I havent heard back yet, is it most likely not going to get approved? 

And in the mean time, should I shoot for the Chase Freedom? Or should I wait and see if I get approved/denied?

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WAIT AND SEE!!!!  then call Amex and ask. inqs hurts even more when you had the chance to waiiittttt

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Lol, I was really banking on an instant approval, now I'm all flustered! 

when you say, inqueries hurt more when you had the chance to wait, are you saying I should apply for the Freedom now, or immediately after the AMEX decision? Sorry haha

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Wait until after you find out from AMEX.

[Anonymous]

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@ryanbush wrote:

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@Anonymous wrote:

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@zerobacan wrote:

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@Anonymous wrote:

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@SnackTrader wrote:
https://www262.americanexpress.com/eaol/welcome.do

---

Yeah that link says its in progress, so I guess it went through. If I havent heard back yet, is it most likely not going to get approved? 

And in the mean time, should I shoot for the Chase Freedom? Or should I wait and see if I get approved/denied?

---

WAIT AND SEE!!!!  then call Amex and ask. inqs hurts even more when you had the chance to waiiittttt

---

Lol, I was really banking on an instant approval, now I'm all flustered! 

when you say, inqueries hurt more when you had the chance to wait, are you saying I should apply for the Freedom now, or immediately after the AMEX decision? Sorry haha

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Wait until after you find out from AMEX.

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Thanks ryanbush. I just bought my scores through Equifax.com, and my EX is now 660 due to the HP from AMEX, whereas it was showing 710 on AMEX yesterday, so the request definitely went through. 

I guess it should be if I get the BCE, then try for the Freedom, and if I get denied for the BCE, hold off on everything for a while?

[enharu]

the freedom is a lot easier to get than the BCE.

Only because Chase approves people with less than ideal credits for toy limits (250-500). 

If you really want a Chase freedom, you might as well just go ahead right now. 

Apply for the cards you need, not for the sake of applying to raise CL