Chase Freedom, Confused..

[PetRaccoon]

Hi all, New here.

I didn't see anything like this on the forum so far from browsing for a day.. so I figure I'd ask.

So I applied yesterday for the Cash Back 300 after 500 in spending at a branch. (No problems here)

But when I called the backdoor number to talk to somebody, the credit analyst gave me an odd response of:

We'll have to mail you something to sign and we need you to verify your age..

I'm 20.  My FAKOs is 743 with EX. (Don't know if this even matters, Note: Pre Hard Pull score was 761)

So, can I assume that I was approved or is this just extra screening?  Or should I call again and maybe see if another person says the same thing? 

Thanks in advance!

I currently have:

HSBC Premier wMC CL: 5,000 (No CLI in 2.4 Yrs *sigh*) <-- Is it time that I ask? Does HSBC pull hard?

Newegg Store Line: 2,000 (Don't think this is reported though.. at least not to all 3)

No Baddies on report, always paid early or on-time.

[dalebb]

welcome to the forums pet,,,, did u look above at the back door phone numbers?

[PetRaccoon]

Yeah, thats what they told me when I talked to an analyst.

And thanks for the welcome ^_^

[dalebb]

gee,,, i would call again hoping to get some1 else,, that sounds so strange

[Anonymous]

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@PetRaccoon wrote:

Hi all, New here.

I didn't see anything like this on the forum so far from browsing for a day.. so I figure I'd ask.

So I applied yesterday for the Cash Back 300 after 500 in spending at a branch. (No problems here)

But when I called the backdoor number to talk to somebody, the credit analyst gave me an odd response of:

We'll have to mail you something to sign and we need you to verify your age..

I'm 20.  My FAKOs is 743 with EX. (Don't know if this even matters, Note: Pre Hard Pull score was 761)

So, can I assume that I was approved or is this just extra screening?  Or should I call again and maybe see if another person says the same thing? 

Thanks in advance!

I currently have:

HSBC Premier wMC CL: 5,000 (No CLI in 2.4 Yrs *sigh*) <-- Is it time that I ask? Does HSBC pull hard?

Newegg Store Line: 2,000 (Don't think this is reported though.. at least not to all 3)

No Baddies on report, always paid early or on-time.

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That could be a good sign as long as what they are sending you is not a 4506T form (which I doubt) it sounds like they just need to verify a few things, obviouslly I have no idea if you're approved, but generally when I read a post like this, it's just a matter of the lender wanting to verify a few things.

Best of Luck, keep us updated.

[dalebb]

c, i told u some1 would have something to say

[PetRaccoon]

I hope they're not sending me that form, lol.

I don't have a tax return, my parents file for me.

Don't know if that matters though..

Will keep you apprised!

[dalebb]

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@PetRaccoon wrote:

I hope they're not sending me that form, lol.

I don't have a tax return, my parents file for me.

Don't know if that matters though..

Will keep you apprised!

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who gets the refund?

[PetRaccoon]

My parents, what I meant was, I'm still a dependent.

[dalebb]

yea if u was living at home i would take that deduction too