01-26-2013 09:22 AM
I am thinking of applying for Chase Freedom to get the nice rewards that they have. I have read some articles and confirmed that the rewards they give are indeed in the caegories where I spend.
I have spent some signficant mount in my citi forward (laptop, dslr etc) and have paid off everything on time. See my signature to know my card app history.
Is my account ready for another (Chase Freedom) application?
01-27-2013 10:59 AM
01-27-2013 11:13 AM - edited 01-27-2013 11:14 AM
Chase wants to see the history. From what I read here, they want to see at least a year and a half of history. How old is your oldest card?
Less than one year revolving history is a common denial reason on the Freedom; it's not impossible as we've had some reports otherwise, but AFAIK in almost all cases those people had banked with Chase for a while prior to their application.
Not sure where 1.5 years came from here but my memory is admittedly getting worse as I get older.
01-27-2013 11:22 AM
01-27-2013 11:23 AM
Hello! :-) What does AFAIK stand for?
As far as I know.
01-27-2013 01:24 PM
Thank you for your reply.
My first card was in (and I still use it) Oct 2011. It was the Wells Fargo Secured Card. It has graduated now. The other card is citi Forward (applied in August), which is my main card right now and am using it since Oct 2012.
Is it early for Chase Freedom?
01-27-2013 02:05 PM
01-27-2013 02:54 PM
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.
* 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.
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.