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Senior Contributor
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?


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
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New Contributor
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
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).  Smiley Happy

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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.




EQ FICO 548 3/3/16
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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 Smiley Sad

 

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




EQ FICO 548 3/3/16
Valued Contributor
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.

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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
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
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
Posts: 15,453
Registered: ‎04-09-2011
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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!




EQ FICO 548 3/3/16
Valued Contributor
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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