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Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: Chase Freedom HP or SP


radiomando wrote:

as a new chase freedom cardholder, i was just notified that customer-initiated CLI will be HP.


How new?


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New Contributor
shawal16
Posts: 57
Registered: ‎02-01-2012
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Re: Chase Freedom HP or SP

I just called and she said a credit inquiry would be necessary so I declined the CLI.

Current Score: EX - 775; EQ - 774; TU - 768 6/06/2012 FAKO
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Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Chase Freedom HP or SP


radiomando wrote:

as a new chase freedom cardholder, i was just notified that customer-initiated CLI will be HP.


Yes, for new (and newish, less than a year with Chase) it would be an HP for sure 99.9% of the time.  We're kind of hoping due to the OP's length of time with them it might be a SP.  Though, you re-affirm they tend to tell a person about an HP before doing one (I'm guessing that was the case for you).  :smileyhappy:

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom HP or SP


drkaje wrote:

radiomando wrote:

as a new chase freedom cardholder, i was just notified that customer-initiated CLI will be HP.


How new?


I would suspect that if it's 6 months or younger they would pull HP just because your so new with them.




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom HP or SP


shawal16 wrote:

I just called and she said a credit inquiry would be necessary so I declined the CLI.


Sorry to hear :smileysad:

 

Here's to hoping for an auto-CLI for you!!! Good usage and payment history will eventually pay for you!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
clocktick
Posts: 1,603
Registered: ‎12-07-2008
0

Re: Chase Freedom HP or SP

Keep in mind that just because a CSR tells you it's a SP doesn't mean it is.  I would wait until you close on the house.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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New Contributor
shawal16
Posts: 57
Registered: ‎02-01-2012
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Re: Chase Freedom HP or SP

I've been with Chase for  years. So I'm not sure what the reason behind it. I could barely understand her.

Current Score: EX - 775; EQ - 774; TU - 768 6/06/2012 FAKO
Starting Score: EX - 738; EQ - 740; TU - 750 01/30/2012 FAKO
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New Contributor
radiomando
Posts: 81
Registered: ‎01-27-2012
0

Re: Chase Freedom HP or SP


drkaje wrote:

radiomando wrote:

as a new chase freedom cardholder, i was just notified that customer-initiated CLI will be HP.


How new?


1st statement hasnt hit

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom HP or SP


radiomando wrote:

drkaje wrote:

radiomando wrote:

as a new chase freedom cardholder, i was just notified that customer-initiated CLI will be HP.


How new?


1st statement hasnt hit


Yea I would consider gardening this account for at least 6 months 1 year is better!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Chase Freedom HP or SP

Kind of goes in line with what I've heard and experienced, esp lately.  Chase likes to HP for CLI requests but at least they usually inform you first.  They are rather conservative, maybe more so in the last few years.  And they don't hand out auto CLI's very often I guess.


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