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Beware of Chase flirting with you.

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kilj0y
Regular Contributor

Beware of Chase flirting with you.

So while tending to my front lawn after opening a CSP(5/20) and Ink Bold(5/30) I decided to check my mailbox as I was gardening until I could apply for a Freedom and would be happy with my cards after that. Well lo and behold I was receiving numerous mailed offers from chase telling me to apply for a Freedom. I kept resisting the urge as I thought I would be auto-denied and would have to recon for the card ( I hate talking to banks). Well after I received the 4th letter and seeing that my Fico has went from 632(when I was auto approved for the CSP) to above 700(USAA Fako) because a few lates had been disputed off and my debt ratio dropped from 75% to 15% due to NFCU CLIs I decided sure I should be able to be auto approved for a Freedom.

 

And.....Auto approved I was after a 2 pull(ouch) on EXP and EQ.

 

Guess its time to tend the garden again as I have all the cards I want except AMEX which I am not going to apply for until they start sending me pre-approvals or until after I decide to upgrade my car.

 

But now its time to grow my UR points to take the wife on a Honey Moon Smiley Happy

Message 1 of 12
11 REPLIES 11
Shogun
Moderator Emeritus

Re: Beware of Chase flirting with you.

     You're doing great.  Have fun on that Honeymoon!  Smiley Wink

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 12
hutchj
Frequent Contributor

Re: Beware of Chase flirting with you.

LOL. Sounds like me & Citi, I get mail from them asking me to app for the Thank You Premier and I keep ignoring the letters. Maybe one day far down the line, but definitely not in the near future.

 

And we won't even talk about Commerce sending me a pre-approval even though I've never even stepped foot in a Commerce or gone to their website. I have no need for them in my life, besides the card looks like it sucks. I can read between the lines, get points for the interest you spend, uh no thanks Commerce, lol.

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Message 3 of 12
09Lexie
Moderator Emerita

Re: Beware of Chase flirting with you.

Congrats on the approval. By the time your seedlings have grown, those inq's will be a thing of the past
Message 4 of 12
RhubarbPie
New Contributor

Re: Beware of Chase flirting with you.

Were the Freedom offers targeted? Or was it the standard 10,000 UR points/$100 cash back?

Message 5 of 12
kilj0y
Regular Contributor

Re: Beware of Chase flirting with you.


@RhubarbPie wrote:

Were the Freedom offers targeted? Or was it the standard 10,000 UR points/$100 cash back?


They were just the standard 10k/$100.

 

I only jumped on it because of the Gas this quarter and Amazon next quarter so I can rack up some good URs to transfer to the CSP.

Message 6 of 12
armbenderc
Valued Contributor

Re: Beware of Chase flirting with you.


@Shogun wrote:

     You're doing great.  Have fun on that Honeymoon!  Smiley Wink


Smiley Very Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 7 of 12
eviLution
Established Contributor

Re: Beware of Chase flirting with you.

They're just trying to be "friendly" with you. lol


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 8 of 12
-HighScoringGame-
New Contributor

Re: Beware of Chase flirting with you.

Congrats! What limit did they give you?

Current Scores: EX 733, EQ 738, TU 738
Current Cards: Discover IT $19,000, Amex BCE $20,000, BofA Rewards Visa (AAA) $16,000, Chase Freedom Unlimited $10,000, Avenue $1,190, Lane Bryant $750

~Re-entered the Garden: July 2018
~In the Garden until: July 2019
Message 9 of 12
tinuviel
Moderator Emeritus

Re: Beware of Chase flirting with you.

Congrats on the approval; Freedom's a good card. Do you know what they gave you for a CL?


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 12
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