Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 411
Registered: ‎05-01-2010
0

Chase Freedom Low CL

I recently got a Chase Freedom card and I only got a $2000 CL. Will Chase do a CLI right away without another hard pull? I have other cards with much higher CLs.

Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Chase Freedom Low CL

No.  It is a guaranteed hard pull.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
0

Re: Chase Freedom Low CL

I have a Chase personal/savings along with Chase CCs. All are linked up together when I log in to view all information. I requested a CLI 2 months ago by logging into my personal account and sending Chase a Secured message asking for a CLI. It was a soft pulled. But, before doing so, I emailed Chase and asked if it was a hard/soft and the replied email from CSR was...."soft". Although I was declined the CLI, I checked my report 1 month later and confirmed it was a soft, not hard.

Frequent Contributor
Posts: 427
Registered: ‎07-21-2010
0

Re: Chase Freedom Low CL

[ Edited ]

I asked after my Freedom account was 7 months old.  Chase mortgage is 14 months old, have a Chase checking, savings with around $6k, and a United card with them for 4 months.  Declined.  Hard pull.  They were kind of rude about it too.  I had a few recent inq's for CLI requests and opened a new Citi card, she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  Needless to say, sockdrawered.  

-----------------------
My favorite card right now: Fidelity Investment Rewards Visa Signature
Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
0

Re: Chase Freedom Low CL


jthedges wrote:

I asked after my Freedom account was 7 months old.  Chase mortgage is 14 months old, have a Chase checking, savings with around $6k, and a United card with them for 4 months.  Declined.  Hard pull.  They were kind of rude about it too.  I had a few recent inq's for CLI requests and opened a new Citi card, she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  Needless to say, sockdrawered.  



That CSR could of been fired if you had of escalated that call to a Supervisor. All calls are recorded when you call into Chase asking for a CLI, etc....I've been with Chase since 2002, at times, the CSR can be blunt and straight to the point but never said anything like you mentioned above. I would of ask for a manager or supervisor and have that person written up.

Frequent Contributor
Posts: 411
Registered: ‎05-01-2010
0

Re: Chase Freedom Low CL


aftermath wrote:

No.  It is a guaranteed hard pull.


Since that's the case I think I'll wait...how long is normal for Chase CLIs?

Established Contributor
Posts: 884
Registered: ‎08-02-2008
0

Re: Chase Freedom Low CL


scientifics wrote:

aftermath wrote:

No.  It is a guaranteed hard pull.


Since that's the case I think I'll wait...how long is normal for Chase CLIs?


I thought 6 months... seems to be the typical amount of time to wait.

FICO: EX: 761 (4/16); TU: 778 (4/16); EQ 741 (4/16)
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Chase Freedom Low CL


jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  


Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
Posts: 427
Registered: ‎07-21-2010
0

Re: Chase Freedom Low CL


Mustanglvr2006 wrote:

jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  


Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.


After being berated on the phone, I didn't really care to give them any of my business anyways.  I charged anywhere from $1000 to $3000 a month with Chase between my United and Freedom cards, and always PIF.  But whatever, I am currently loving on my Citi Dividend card.

-----------------------
My favorite card right now: Fidelity Investment Rewards Visa Signature
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Chase Freedom Low CL


jthedges wrote:

Mustanglvr2006 wrote:

jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  


Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.


After being berated on the phone, I didn't really care to give them any of my business anyways.  I charged anywhere from $1000 to $3000 a month with Chase between my United and Freedom cards, and always PIF.  But whatever, I am currently loving on my Citi Dividend card.


I don't blame you one bit, I guess those Chase cards will be sniffing socks for a while huh? LOL

 

I just apped for the Citi Dividend Platinum Select, I called for app status and was told they are sending me a letter to verify my income, I believe that is what I was told the letter was.

 

I can verify my income, so maybe thats a good sign for approval????


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.