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New Member
ucigrad05
Posts: 4
Registered: ‎10-03-2012

Chase Freedom Approval! Can't believe it!

I have been rebuilding my credit with two secured cards in the last 5 months, Capital One ($1500) and BOFA ($1300), kept them at zero balances. Have had quite a few a collection accounts that been charged off in the past seven years due to irresponsible spending in my early 20's, three of them fairly recent, still not paid off and negative on my report, one for over $5K. I pulled my 3 score report from USAA this morning had: EXP 629 TU 627 EQX 605. So this was a big improvement from May when I was in the Mid 500's for all three. I applied for a refinance of my car earlier this morning through a local credit union and got a rate or 4% which I am very happy about. Then I felt lucky and went to Chase and applied for the Freedom card. I was denied right away, I called the credit card new card lending department about 5 minutes after I applied and discussed my application with them. I was on the phone for about 30 minutes going over my entire financial application and credit report. It took a total of about about 3 phone calls from their department and a little over an hour of my time, but it was well spent as I finally got an approval for $1000. I was so happy to hear I got approved! It goes to show anything is possible when you call recon!

Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Chase Freedom Approval! Can't believe it!

Congrats. great news. 

sadly unless your a department store shopper the 5% isnt that great this quarter. 

 

when most of my inquires become invalid or fall off im going to ask for a cli on freedom. 

 

500 is too little. 

i have to split between cards or use it and pif before due date while using my zync or mastercard. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012

Re: Chase Freedom Approval! Can't believe it!


creditnocash wrote:

Congrats. great news. 

sadly unless your a department store shopper the 5% isnt that great this quarter. 

 

when most of my inquires become invalid or fall off im going to ask for a cli on freedom. 

 

500 is too little. 

i have to split between cards or use it and pif before due date while using my zync or mastercard. 


I feel your pain with the 500 CL.

 

 

Moderator
Revelate
Posts: 8,394
Registered: ‎12-30-2011

Re: Chase Freedom Approval! Can't believe it!

[ Edited ]

Congrats ucigrad, persistence really pays off with Chase heh.  I'm even a little envious of your refinance as that is an utterly sweet rate, I only got down to 6% with mine which I'm still tickled pink by heh.

 

Also welcome to the forums!  I didn't realize the other one I saw was your first or second here.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Chase Freedom Approval! Can't believe it!

Congrats!!!! And welcome!!!
Too bad you missed 5% cb on gas/restaurants last quarter!!!!

Getting the $100 cb after $500 in purchases in 90 days though?!?
You better!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011

Re: Chase Freedom Approval! Can't believe it!

Congrats on the approval. I was denied for the Freedom last year due to limited history, but was approved for other cards instead. That denial has left a "longing" in my wallet for the Freedom, which I will be apping for next year.
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Chase Freedom Approval! Can't believe it!

CONGRATS!!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
New Member
ucigrad05
Posts: 4
Registered: ‎10-03-2012

Re: Chase Freedom Approval! Can't believe it!

Thanks! Ive been in the rebuilding mode for the past 6 months. So while on the phone, I was able to pick the brain of the recon specialist to see the underwriting requirements for the freedom/slate/sapphire. I was wondering if you get approved for one, your could have picked any of the three. But limits for Freedom start at $200, Slate $500 and Sapphire $5000, according the representative I was speaking to. So each card has their own requirements. But its a good start nonetheless, with the ultimate rewards and $100 for the first $500 is a very good promotion, one of the best rewards cards with no annual fee.


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