Chase Freedom, Should I Apply?

[LS2982]

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@SALEEN961 wrote:

If you all think the util on my amazon card is that only thing they'd be concerned with then I think what I'll do is apply with the high balance (all from this month, nothing rolled over) and if I get denied I'll pay if off and call in for a recon, but if I get approved with the high balance I'll pay it off after I'm approved and call in for a recon on my credit limit citing that after applying I realized that the high balance on my Amazon card may have influenced where they set my new limit. I think I might be able to get a higher initial CL this way.

Sound like a good plan?

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No, not at all. 

-Chase will pull another report for a recon

-Your likely to get declined and have to recon

-Your likely to get a toy limit if approved

I would most definitely PIF the Amazon card, you'll have the best chance to get a good CL on the freedom.

[09Lexie]

@LS

Shaking my head! OP really wants us to agree lol

[lg8302ch]

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@SALEEN961 wrote:

If you all think the util on my amazon card is that only thing they'd be concerned with then I think what I'll do is apply with the high balance (all from this month, nothing rolled over) and if I get denied I'll pay if off and call in for a recon, but if I get approved with the high balance I'll pay it off after I'm approved and call in for a recon on my credit limit citing that after applying I realized that the high balance on my Amazon card may have influenced where they set my new limit. I think I might be able to get a higher initial CL this way.

Sound like a good plan?

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I still would pay down that Amazon card first and then apply. Like this the chances of getting a higher limit is bigger and you do not have to waste a 2nd pull for CLI..whatever you do - good luck!

[SALEEN961]

Ok so deffinately pay the balance down first, got it. I thought what I was thinking of doing made sense but I guess I was dead wrong, this is exactly why I'm posting here, lol, thanks for the advice guys.

[LS2982]

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@SALEEN961 wrote:

Ok so deffinately pay the balance down first, got it. I thought what I was thinking of doing made sense but I guess I was dead wrong, this is exactly why I'm posting here, lol, thanks for the advice guys.

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(Cue Freedom app in 3........................2............................1....................................................)

[NewtoCredit80]

Chase freedom has 0% apr for 15 months. You should PIF your Amazon Chase card and then use BT checks if you really want the cash. Mind you BT would cost you 3% in fee. Which is better than your current APR on Amazon card

[09Lexie]

Exactly

[SALEEN961]

"We'll let you know of our decision through U.S. mail within the next 30 days."

I guess I'll have to call in to find out what the hang up is. I submitted the app right after my payment was reflected in my available credit (a few hours after my payment initially posted).

[CreditJunkie917]

Its not going to reflect on your credit report if you paid it off and applied right after. I think what everyone was trying to suggest to you is that payoff the amazon balance, wait for that to hit your CR, showing a 0 or near 0 balance, then apply for the card. So while you did pay off your balance, chase isn't going to know that. And like the others have said, if you call back to recon, then it's another HP.

[enharu]

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@SALEEN961 wrote:

"We'll let you know of our decision through U.S. mail within the next 30 days."

I guess I'll have to call in to find out what the hang up is. I submitted the app right after my payment was reflected in my available credit (a few hours after my payment initially posted).

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What they meant was to pay it down, WAIT for statement to report the balance to CRAs, have the CRAs update, THEN apply.

Anyways what's done is done.

Best of luck!