Reply
Regular Contributor
Posts: 124
Registered: ‎08-06-2009
0

Chase Freedom instant approval

Got the itch to apply this morning.

 

Applied for Chase Freedom due to only really wanting cash back.

 

Got an instant approval for $3000 and the lowest interest tier, 11.99% (however I PIF) Not the CL I was hoping for but I'll take it.

 

Anyone know if Chase has ever done auto-clis? I know they hard pull for requested ones...

 

If anyone wants to know whats in my report:

EQ 797 (checked this morning pre-app)

3% util

9 year AAoA

23.5 year oldest TL (AU, I'm 23 myself)

 

TLs:

AU on AmEx Green opened 1986

$5000cl AmEx Blue Cash 03/2008

$5500cl Citi Forward 09/2009

 

No lates/bad marks.

 

Reported income: 62k, rent reported $1100/month (would this have anything to do with starting CL?)

 

Hope this helps someone else out...

Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Epic Contributor
Posts: 24,084
Registered: ‎10-23-2007
0

Re: Chase Freedom instant approval

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k

Fico Scores: EQ- 647., TU 705 Sync, EX 700 (04/07/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Regular Contributor
Posts: 124
Registered: ‎08-06-2009
0

Re: Chase Freedom instant approval

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?

Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Epic Contributor
Posts: 24,084
Registered: ‎10-23-2007
0

Re: Chase Freedom instant approval

 


alph4 wrote:

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?


 

What I have been reading is they just ask income and then give you the increase.

Ask for more next time with amex!

Fico Scores: EQ- 647., TU 705 Sync, EX 700 (04/07/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Regular Contributor
Posts: 124
Registered: ‎08-06-2009
0

Re: Chase Freedom instant approval

 


Creditaddict wrote:

 


alph4 wrote:

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?


 

What I have been reading is they just ask income and then give you the increase.

Ask for more next time with amex!


I will. Just dont want to trigger FR. I have nothing to hide but its currently my main card that I put 90% of expenses on so I dont want the tradeline to get frozen for a week. Plus next month I'll be getting my $315 rewards from the last year credited.

 

Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Chase Freedom instant approval

 


alph4 wrote:

 


Creditaddict wrote:

 


alph4 wrote:

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?


 

What I have been reading is they just ask income and then give you the increase.

Ask for more next time with amex!


I will. Just dont want to trigger FR. I have nothing to hide but its currently my main card that I put 90% of expenses on so I dont want the tradeline to get frozen for a week. Plus next month I'll be getting my $315 rewards from the last year credited.

 


Why is everyone here scared of FR? It's not as common as it sounds. They sure do NOT rely of some stupid algorithm which will mark you for a FR just coz you asked for a big CLI. You need to notice that a lot of cases where the FR happened infact had something wrong.

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Chase Freedom instant approval


vish1 wrote:

 


alph4 wrote:

 


Creditaddict wrote:

 


alph4 wrote:

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?


 

What I have been reading is they just ask income and then give you the increase.

Ask for more next time with amex!


I will. Just dont want to trigger FR. I have nothing to hide but its currently my main card that I put 90% of expenses on so I dont want the tradeline to get frozen for a week. Plus next month I'll be getting my $315 rewards from the last year credited.

 


Why is everyone here scared of FR? It's not as common as it sounds. They sure do NOT rely of some stupid algorithm which will mark you for a FR just coz you asked for a big CLI. You need to notice that a lot of cases where the FR happened infact had something wrong.

 


 

Yes, something absolutely horrendous like shopping at Walmart or using your AmEx card to pay an attorney.  :smileywink:

 

 

IAALBNYL
Established Contributor
Posts: 707
Registered: ‎08-14-2008
0

Re: Chase Freedom instant approval

Congrats on the Freedom card!!  I use mine a lot and the points add up pretty fast.  The Ultimate Rewards program usually has some good deals like discounted gift cards and such.  If you have a checking account with them too you can earn even more points on your credit card.  Make sure you sign up for the quarterly 5% cashback bonus programs.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 24.5k, Discover 11.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, Capital One QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 12k, Sams MC 15k
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Chase Freedom instant approval

 


O6 wrote:

vish1 wrote:

 


alph4 wrote:

 


Creditaddict wrote:

 


alph4 wrote:

 


Creditaddict wrote:

I would ask for CLI on both Amex and Citi, they should be soft pulls unless you get long form with citi.

Amex you could ask for 15k


 

I just got a CLI from 3k to 5k with AmEx about a month ago.  Have to wait another 5 months for that.

 

Citi I get the "call us at..."  If I do that do I talk to a rep or is it automated? What do they ask?


 

What I have been reading is they just ask income and then give you the increase.

Ask for more next time with amex!


I will. Just dont want to trigger FR. I have nothing to hide but its currently my main card that I put 90% of expenses on so I dont want the tradeline to get frozen for a week. Plus next month I'll be getting my $315 rewards from the last year credited.

 


Why is everyone here scared of FR? It's not as common as it sounds. They sure do NOT rely of some stupid algorithm which will mark you for a FR just coz you asked for a big CLI. You need to notice that a lot of cases where the FR happened infact had something wrong.

 


 

Yes, something absolutely horrendous like shopping at Walmart or using your AmEx card to pay an attorney.  :smileywink:

 

 


 

I said this to be as polite as I could be to people who lied about their income in the application, but to also indicate that the FR truly catches many cheats (offcourse some good guys get into trouble with that. This said, I will rather blame the liar's filling crap in the card application forms instead of Amex.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

Re: Chase Freedom instant approval

[ Edited ]

alph4 wrote:

Got the itch to apply this morning.

 

Applied for Chase Freedom due to only really wanting cash back.

 

Got an instant approval for $3000 and the lowest interest tier, 11.99% (however I PIF) Not the CL I was hoping for but I'll take it.

 

Anyone know if Chase has ever done auto-clis? I know they hard pull for requested ones...

 

If anyone wants to know whats in my report:

EQ 797 (checked this morning pre-app)

3% util

9 year AAoA

23.5 year oldest TL (AU, I'm 23 myself)

 

TLs:

AU on AmEx Green opened 1986

$5000cl AmEx Blue Cash 03/2008

$5500cl Citi Forward 09/2009

 

No lates/bad marks.

 

Reported income: 62k, rent reported $1100/month (would this have anything to do with starting CL?)

 

Hope this helps someone else out...


when i first got my chase freedom 2 years ago, the CL was 4500.  by the time i received my second statement, chase had auto CLI'd me to 6000.

re interest tier, my  interest rate  is 9.74% (although i have always PIF from the start)


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
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.

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.