Reply
Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Chase Freedom (Student Status)

[ Edited ]

Recently applied for Chase Freedom using CK app portal. Approval odds displayed FAIR previously applied for Discover It Card for Students approved with toy $500 limit 0% APR 6 months low APR after intro 15.00%

 

Yesterday applied for Chase Freedom got my highest limit yet 1.5K with 0% for 14 months and $100 cash back bonus!! 

 

BUT....

 

22.99% APR after intro!!!!!!!!!!

 

WHY????? I called to New Accounts and spoke w/ supervisor said this was strict based on federal regulations that they cannot change offer once the computer decides rate for at least 12 months. I asked about higher credit limit and told me it was possible and placed me on hold told me he could not do it without doing another HP... pondered it he was kind of pushing me to give him the permission to do so but I could not take another hit because I am currently in a recon w/ AMEX for Blue Sky.

 

In the end he told me he was sending my card Next Day Air UPS. Not bad for an 18 YR old that started with Capital One Journeys

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Chase Freedom (Student Status)

Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Re: Chase Freedom (Student Status)


09Lexie wrote:
Congrats on the approval.

Thanks! Can't wait for the mail! lol

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Chase Freedom (Student Status)

I was too lazy to call to ave mine expedited. It took 10 days to get mine.
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Chase Freedom (Student Status)


Rackham94 wrote:

Recently applied for Chase Freedom using CK app portal. Approval odds displayed FAIR previously applied for Discover It Card for Students approved with toy $500 limit 0% APR 6 months low APR after intro 15.00%

 

Yesterday applied for Chase Freedom got my highest limit yet 1.5K with 0% for 14 months and $100 cash back bonus!! 

 

BUT....

 

22.99% APR after intro!!!!!!!!!!

 

WHY????? I called to New Accounts and spoke w/ supervisor said this was strict based on federal regulations that they cannot change offer once the computer decides rate for at least 12 months. I asked about higher credit limit and told me it was possible and placed me on hold told me he could not do it without doing another HP... pondered it he was kind of pushing me to give him the permission to do so but I could not take another hit because I am currently in a recon w/ AMEX for Blue Sky.

 

In the end he told me he was sending my card Next Day Air UPS. Not bad for an 18 YR old that started with Capital One Journeys


grats on the approval!

just don't owe any money on the card. 23% APR is daylight robbery :/

 

Isn't the discover supposed to be 14 months 0% APR as well?

Grats on both approvals!

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Re: Chase Freedom (Student Status)


enharu wrote:

Rackham94 wrote:

Recently applied for Chase Freedom using CK app portal. Approval odds displayed FAIR previously applied for Discover It Card for Students approved with toy $500 limit 0% APR 6 months low APR after intro 15.00%

 

Yesterday applied for Chase Freedom got my highest limit yet 1.5K with 0% for 14 months and $100 cash back bonus!! 

 

BUT....

 

22.99% APR after intro!!!!!!!!!!

 

WHY????? I called to New Accounts and spoke w/ supervisor said this was strict based on federal regulations that they cannot change offer once the computer decides rate for at least 12 months. I asked about higher credit limit and told me it was possible and placed me on hold told me he could not do it without doing another HP... pondered it he was kind of pushing me to give him the permission to do so but I could not take another hit because I am currently in a recon w/ AMEX for Blue Sky.

 

In the end he told me he was sending my card Next Day Air UPS. Not bad for an 18 YR old that started with Capital One Journeys


grats on the approval!

just don't owe any money on the card. 23% APR is daylight robbery :/

 

Isn't the discover supposed to be 14 months 0% APR as well?

Grats on both approvals!

 


: / I didn't know there was a difference between Discover It and Discover It Students until after I applied... I called for PC change or to match terms to Discover It regular but they would not budge after several attempts. Do you think it would have been higher limit if I applied for Discover It regular?

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Chase Freedom (Student Status)

Maybe but then again you may not have been approved at all.
Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Re: Chase Freedom (Student Status)


09Lexie wrote:
Maybe but then again you may not have been approved at all.

Probably right! lol

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Chase Freedom (Student Status)

don't worry. it's all good. an approval is an approval!

its a bad idea to owe debt on a CC anyways and it's better to start cultivating that habit :smileyhappy:

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 517
Registered: ‎04-01-2013
0

Re: Chase Freedom (Student Status)


enharu wrote:

don't worry. it's all good. an approval is an approval!

its a bad idea to owe debt on a CC anyways and it's better to start cultivating that habit :smileyhappy:


Been blessed so far to have the ability to PIF every month. I want to eventually get in mid 700s I know if I get approved for AMEX I will never app until 2020 haha. Do you think Chase would of increased my CL if I let the supervisor do the HP?

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 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.

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.