Chase Freedom - totally frusturated...update!

[MovingForward_2012]

I'm really surprised Chase didn't approve you. Congrats on the Discover It though.

[compassion101]

I think a reasonable interpretation for you to use on an app would be that you have no monthly rent/mortgage, or that it is included in your job. This seems fair and honest since you share finances with your husband, let his income pay for the mortgage and you don't have a mortgage payment (or your half or the mortgage gets provided by your part time homemaker job).

I don't think there is anything misleading by using that interpretation.

[drkaje]

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@compassion101 wrote:

I think a reasonable interpretation for you to use on an app would be that you have no monthly rent/mortgage, or that it is included in your job. This seems fair and honest since you share finances with your husband, let his income pay for the mortgage and you don't have a mortgage payment (or your half or the mortgage gets provided by your part time homemaker job).

I don't think there is anything misleading by using that interpretation.

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If it's not misleading to arbitrarily create an income... can I make myself a billionaire on apps? The figure is pretty conservative considering the joy my presence brings others

[compassion101]

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@drkaje wrote:

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@compassion101 wrote:

I think a reasonable interpretation for you to use on an app would be that you have no monthly rent/mortgage, or that it is included in your job. This seems fair and honest since you share finances with your husband, let his income pay for the mortgage and you don't have a mortgage payment (or your half or the mortgage gets provided by your part time homemaker job).

I don't think there is anything misleading by using that interpretation.

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If it's not misleading to arbitrarily create an income... can I make myself a billionaire on apps? The figure is pretty conservative considering the joy my presence brings others

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I'd give you a LOC large enough to kick start the economy

[MovingForward_2012]

I agree. You share the same household income and expenses, I would have put his salary on the app. It is similar to adding child support as additional income...you count on his income to survive. That is what will be paying your bill right? You could always have him apply and then be added as an AU and then you will have your Freedom that way.

[Anonymous]

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@MovingForward_2012 wrote:
I agree. You share the same household income and expenses, I would have put his salary on the app. It is similar to adding child support as additional income...you count on his income to survive. That is what will be paying your bill right? You could always have him apply and then be added as an AU and then you will have your Freedom that way.

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I did something similar to that.  

DW is one of those unique individuals that thinks even one card is one too many.  She has used her employer's business card for decades and only had 1 - yes, 1 - TL on her credit report from an old Navy Federal LOC.  Applied for Freedom and they said that although she had a long history, it was rather thin.  Rather than accepting the $500 limit they offered her, I put her as AU on my Freedom and then a few months later added her as joint owner.  

A month after it starts reporting, Chase practically threw a CSP at her feet.  

[HenryJumbo]

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@AshCas wrote:

Called Chase a second time yesterday, the rep said she understood where I was coming from, but that her "hands were tied". 

No biggie though.  I applied for Discover IT, and Amex BCE today and got instant approval on both  

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Congrats. Hopefully you selected these cards because you needed them and not to stroke your ego