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New Contributor
ssmith891
Posts: 79
Registered: ‎11-07-2012
0

Applying for Chase Freedom

I applied for the CSP a little under a month ago and got instantly approved with a $5000 CL. I recently also opened a Chase checking account and now want to apply for the Freedom to take advantage of the 10 & 10 program and complete the Trifecta! Do you guys think I'll be able to get approved so soon? I don't have the ability to shuffle credit around with Chase since the minimum CL for the CSP is $5000 and its my first card with them. My score was a 750 when AMEX sent it to me with my BCE (with a $6200 CL) which was around January I think, and that was the last card I applied for. I also have a Zync with NPSL, a world points Visa through my previous bank with a $1000 CL (first card don't really want to close it), a Chevron gas card with a $300 CL, and a NTB card with a $700 CL. I just turned 21 a few months ago and have been building credit since I just turned 18 and have paid every single card off on time and in full. What do you guys think I should do? 

Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: Applying for Chase Freedom

Chase does not like multiple accounts in short time Id wait 6 months then apply.  


Starting Score: 0
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Regular Contributor
DesertLife
Posts: 134
Registered: ‎07-09-2012
0

Re: Applying for Chase Freedom

I received my CSP in July and just app'd and was approved on recon line for Chase Ink Bold yesterday. Nearly 4 months seemed to be ok in my situation. Your approx. 3 months might be ok too, but I think people suggesting you wait is a conservative (& likely experienced and informed) answer to help you protect your credit from inquiries that don't result in being issued a card. I just thought I would share my recent experience. I do not have Chase checking or other banking accounts with them.


Starting Score: EX: 717; EQ 723; TU 732
2014 Current Score: PenFed FICO NextGen 781 (5/14); Discover FICO08 790 (10/14); EX 748 (4/14); EQ 737 (4/14); TU 761 (5/14)
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Available Credit: $100K+
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Applying for Chase Freedom

i applied for both online, and had to call in for the freedom with 2 prior inquiries within a few days from navy and dcu. if your scores can sustain it should be fine. I was at 754before my first app.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
koalablue
Posts: 355
Registered: ‎05-23-2012
0

Re: Applying for Chase Freedom

Go ahead and apply for the Freedom.  If you get a denial then call and recon.  I think you have a good chance of getting it.  Might be a low CL at first, but that's ok.

Valued Contributor
Dustink
Posts: 3,016
Registered: ‎10-02-2012
0

Re: Applying for Chase Freedom

I heard a rumor that the 10/10 is going away, so you need to app now.

 

Good luck

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Established Contributor
searchingfor67
Posts: 665
Registered: ‎08-02-2011
0

Re: Applying for Chase Freedom

I was approved for my freedom in Sep 11, and my CSP in April 12. I don't know if I could have been approved sooner or not, as I didn't apply prior to having the card 7 mos...it was an instant approval. YMMV though...if you can spare the inquiry, then go for it. Chase is very good about recons, so you could always negotiate if you are declined....

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Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Applying for Chase Freedom

Good luck

New Contributor
ssmith891
Posts: 79
Registered: ‎11-07-2012
0

Re: Applying for Chase Freedom

Do I have to apply in a branch for the 10/10? I've heard that its a separate type of application.
Established Member
toful
Posts: 35
Registered: ‎09-30-2012
0

Re: Applying for Chase Freedom

 


ssmith891 wrote:
Do I have to apply in a branch for the 10/10? I've heard that its a separate type of application.

I applied for my Freedom first, then when I found out about the 10/10 I got a checking account. I then sent a message to customer support and they said it would be upgraded to 10/10 within 1 or 2 billing cycles. That was all in September. I message them again a few days ago to confirm it's now 10/10, and they said it was.

 

So it looks like you can handle it all online :smileyvery-happy:

Capital One Platinum $750 (3/11) | Macy's $2K (1/12)
Chase Freedom $4.5K (8/12) | Chase Sapphire Preferred $5K (11/12) | Amex BCE $12K (10/12)

TU: 751 (10/1/12 - Amex), 747 (5/23/12 - Transunion.com) | EQ: 718 (10/1/12 - myFICO)
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