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Chase Freedom question

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resilient
Established Contributor

Re: Chase Freedom question


@jsickz32 wrote:
When i applied for mine i had 0 inqs in the last 12 months on EQ and i was approved for $500....that same day i was was approved for BCE for 2500. im thinking about closing my freedom

I wouldn't close the Freedom....Chase is a good CCC and, to me, stays on top of the rewards market, IMO. Also, I want to fix your signature....too many misspelled words!

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 21 of 28
maiden_girl
Valued Contributor

Re: Chase Freedom question


@LS2982 wrote:

@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 


I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs


How old are the derogs and are they paid??

 


One was falling off this december (unpaid)... one was falling off 2014 (paid).. and another unpaid one was almost 5 years old...... I started with 7 negs 5 months ago, then I found this forum and am down with these....


I would consider waiting at least 6 months to a year before apping with Chase. The unpaid derogs wont be in your favor but the older they are the less they will hurt you.

 


+1.

 

AMEX Zync is no longer offered either so you wouldn't be able to apply for it.

 

As of 2017, rebuilding...
Message 22 of 28
maiden_girl
Valued Contributor

Re: Chase Freedom question


@resilient wrote:

@jsickz32 wrote:
When i applied for mine i had 0 inqs in the last 12 months on EQ and i was approved for $500....that same day i was was approved for BCE for 2500. im thinking about closing my freedom

I wouldn't close the Freedom....Chase is a good CCC and, to me, stays on top of the rewards market, IMO. Also, I want to fix your signature....too many misspelled words!



Smiley LOL I didn't even notice the signature until you pointed it out...lol

As of 2017, rebuilding...
Message 23 of 28
somnipotent
Frequent Contributor

Re: Chase Freedom question


@jsickz32 wrote:
When i applied for mine i had 0 inqs in the last 12 months on EQ and i was approved for $500....that same day i was was approved for BCE for 2500. im thinking about closing my freedom

why close?  no AF... and it will grow with you.  keep it open, you already took an HP for it.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 24 of 28
maiden_girl
Valued Contributor

Re: Chase Freedom question

Anyone know how the initial cashback bonus works? You spend 500 in 90 days, you get a 100 bonus. Is this a statement credit? I can't find any info on it.

As of 2017, rebuilding...
Message 25 of 28
resilient
Established Contributor

Re: Chase Freedom question


@maiden_girl wrote:

@resilient wrote:

@jsickz32 wrote:
When i applied for mine i had 0 inqs in the last 12 months on EQ and i was approved for $500....that same day i was was approved for BCE for 2500. im thinking about closing my freedom

I wouldn't close the Freedom....Chase is a good CCC and, to me, stays on top of the rewards market, IMO. Also, I want to fix your signature....too many misspelled words!



Smiley LOL I didn't even notice the signature until you pointed it out...lol


LOL, sorry, spelling was my strongest subject in school......Smiley Very Happy

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 26 of 28
jsickz32
Valued Contributor

Re: Chase Freedom question

@maiden_girl
You can the 100 back which ever way you want. I ask for cash and received a check for 144 in 3 days.

@resilient
Lmao and i wanna close it and apply again 6 months from now.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 27 of 28
maiden_girl
Valued Contributor

Re: Chase Freedom question


@jsickz32 wrote:
@maiden_girl
You can the 100 back which ever way you want. I ask for cash and received a check for 144 in 3 days.

@resilient
Lmao and i wanna close it and apply again 6 months from now.

Thanks. I should expect to see a cash back bonus soon then.

As of 2017, rebuilding...
Message 28 of 28
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