Approved by Chase!

exl · ‎03-01-2012

Hello everyone,

This is sort of an intro post. Hi! My fasicination with the number that determines my livelihood has recently taken over me. So I'm quite happy to see and be a part of these boards!

Anyway I wanted to report that I was approved yesterday for Chase Freedom w/ a $2K CL and Chase Slate w/ a $1K CL. (for all of those wondering, there was only 1 pull) These are actually the first cards I've been approved for since graduating college.

Anyway, I applied for the Slate primarily to transfer a balance from my Citi Dividend Platinum Select within the first 30 days upon receiving the card (no charge). However the $1K CL isn't going to do much for me. I figure I'll try requesting a CLI so that it would cover the entire balance. We'll see what happens!

Wallet: Chase Freedom / Citi Dividend Platinum Select / Discover Open Road
Sock Drawer: PayPal Smart Connect (GE MoneyBank)

Starting Score: EX-PLUS: 655 / EQ-FICO: 670 / TU-FICO: 647 [February 25, 2013]
Current Score: EX-PLUS: 676 / EQ-FICO: 725 / TU-FICO: 733
Goal Score: 800 across the board by December 1, 2013

Anonymous · ‎03-01-2012

Welcome and congratulations!!!

How long is your credit history?

exl · ‎03-01-2012

Thanks for the warm welcome and the congrats!

My history is 5.8 years with an average of 3.9 years. So I can expect a dreaded drop there.

Wallet: Chase Freedom / Citi Dividend Platinum Select / Discover Open Road
Sock Drawer: PayPal Smart Connect (GE MoneyBank)

Starting Score: EX-PLUS: 655 / EQ-FICO: 670 / TU-FICO: 647 [February 25, 2013]
Current Score: EX-PLUS: 676 / EQ-FICO: 725 / TU-FICO: 733
Goal Score: 800 across the board by December 1, 2013

Guava · ‎03-01-2012

Congrats! It's a great card!

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

Take the FICO Fitness Challenge

crunching_numbers · ‎03-01-2012

Congratulations! Hwo much CL were you trying to get? What do you owe on that other card?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

exl · ‎03-01-2012

Thanks!

This was actually in response to a targeted (pre-approved) mailer I received earlier this week. The offers were quite appealing. The application didn't ask me for a number, but I was hoping $4K on the Slate at least. I'm fine with the $2K on the Freedom for now. The balance on the other card is around $2K which I plan to pay off entirely in the coming months. I would like to transfer the balance to avoid the APR of the other card (a hefty 26%).

Wallet: Chase Freedom / Citi Dividend Platinum Select / Discover Open Road
Sock Drawer: PayPal Smart Connect (GE MoneyBank)

Starting Score: EX-PLUS: 655 / EQ-FICO: 670 / TU-FICO: 647 [February 25, 2013]
Current Score: EX-PLUS: 676 / EQ-FICO: 725 / TU-FICO: 733
Goal Score: 800 across the board by December 1, 2013

MrShush · ‎03-01-2012

Nice approvals! I did the same thing (Slate and Freedom) on 1 INQ. I did call for a CLI for a BT and the CSR assured me it was no hard pull. 3 days later a hard did in fact show up. It took me about 8 weeks to have them remove it as I gave no permission to pull nor did they inform me that a hard would be pulled. Be very careful when requesting a CLI with Chase.

exl · ‎03-01-2012

Thanks for the heads up! I'll be sure to keep that in mind and be poised for betrayal.

Wallet: Chase Freedom / Citi Dividend Platinum Select / Discover Open Road
Sock Drawer: PayPal Smart Connect (GE MoneyBank)

Starting Score: EX-PLUS: 655 / EQ-FICO: 670 / TU-FICO: 647 [February 25, 2013]
Current Score: EX-PLUS: 676 / EQ-FICO: 725 / TU-FICO: 733
Goal Score: 800 across the board by December 1, 2013

MrShush · ‎03-01-2012

@exl wrote:
Thanks for the heads up! I'll be sure to keep that in mind and be poised for betrayal.

LOL YMMV, of course...

LS2982 · ‎03-01-2012

congrats!!!

EQ FICO 548 3/3/16