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Chase Freedom - App Question

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Anonymous
Not applicable

Chase Freedom - App Question

Hi All,

 

Looking for some short advice.  My wife and I are about to apply for the Chase Freedom card, but aren't sure who is the better person to be the primary applicant.

 

Our credit scores are essentially identical (mid 700s) but reports are slightly different.  Neither of us have any derogs or negative items & <10% utilization.  The differences though are I am an authorized user on two old cards and have a closed PIF auto loan - she only has her two one cards and no auto loan.  She, I believe, has a greater AAoA if my AU accounts aren't taken into consideration.  If the application would consider the age of my AU accts, I will have a greater AAoA than she.

 

I know not a ton of detail here, but with this, any input on who may be a better candidate?

 

Thanks

 

Message 1 of 13
12 REPLIES 12
afbar1114
Valued Contributor

Re: Chase Freedom - App Question

why dont you both try to apply and who ever gets the better CL close the other and just add an AU to the open card

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 2 of 13
Mike360
Frequent Contributor

Re: Chase Freedom - App Question

Doesn't matter. 700+ score and over a year history with no negs should get you both approved.

Message 3 of 13
Anonymous
Not applicable

Re: Chase Freedom - App Question

Thanks all.  I'm trying to maximize the limit; or now that I think about it the freedom is no preset , correct?

Message 4 of 13
afbar1114
Valued Contributor

Re: Chase Freedom - App Question


@Anonymous wrote:

Thanks all.  I'm trying to maximize the limit; or now that I think about it the freedom is no preset , correct?


no afaik there is a limit for the freedom

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 5 of 13
boomhower
Valued Contributor

Re: Chase Freedom - App Question

There is a signature version of the Freedom that has some looser CL rules.  It still has a limit but you can exceed it, it's kinda funny.

Message 6 of 13
CS800
Super Contributor

Re: Chase Freedom - App Question

The regular Freedom has a CL that reports.




Message 7 of 13
afbar1114
Valued Contributor

Re: Chase Freedom - App Question

there is a visa sig freedom???? how do i get that

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 8 of 13
CS800
Super Contributor

Re: Chase Freedom - App Question


@afbar1114 wrote:

there is a visa sig freedom???? how do i get that


Yes, Scott has one:

 

http://ficoforums.myfico.com/t5/Credit-Cards/what-a-chase-freedom-visa-signature-looks-like/td-p/102...




Message 9 of 13
afbar1114
Valued Contributor

Re: Chase Freedom - App Question


@CS800 wrote:

@afbar1114 wrote:

there is a visa sig freedom???? how do i get that


Yes, Scott has one:

 

http://ficoforums.myfico.com/t5/Credit-Cards/what-a-chase-freedom-visa-signature-looks-like/td-p/102...


i want that lol

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 10 of 13
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