Chase Freedom, why do you hate me?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Be happy, at least they gave you a card. Out of six apps over the past 12 months, they're my only denial.

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Not that it helps, but I am jealous of your discover and Amex.

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I just figured out why Chase declined me. It was in September of 2014, same month as your approval. So they gave you a card instead of me. 

[Anonymous]

I'm tired of Chase. I got AA'd on a card in 2008 and never got a CLI on two other cards with tiny limits. Top it off I got declined for SWA. I'm taking my savings account with them and my checking to my local CU.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Be happy, at least they gave you a card. Out of six apps over the past 12 months, they're my only denial.

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Not that it helps, but I am jealous of your discover and Amex.

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I just figured out why Chase declined me. It was in September of 2014, same month as your approval. So they gave you a card instead of me. 

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That must be it! And here I thought I was awesome because I finally got a preapproval mailer from something other than first premier! I wish I had known about this forum back then. I'd have reconned on the instant approval or activation. 

[Anonymous]

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@jamesdwi wrote:

use it for the 5% catagories, if you have the resources, max it out 3 times and pay it off, all on the 5% catagories, and see how they respond. other wise sock drawer it, and wait till you get a year of expereice with a prime card, have at least 1 card with a 5k or higher limit, wait 6 months so you have no INQ's within the last 6 months, and AP for a CSP minimum approval rating is $5k, zero AF for the first year, $400 signup bonus, after the year convert to chase saphire card,  and move $1-2k CL or more (if you don't use it much for resturants)  to the freedom card. To continue to grow card wait 6 months, giving the CSP usage, and app for Chase Southwest card, its a 3rd party card that chase tends to give very good starting limits. Typically 2x whan you got with a CSP approval, i got 10k on my CSP and then $20k on my Southwest card, more credit around to your various chase cards as desired.

I wouldn't close the Freedom card for now, since its zero AF and can earn you $75 a quarter in rewards. 

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That's probably a good idea. Even if it reports at limit, then I'm still under the 10% reporting. I haven't utilized the categories as much as I could have. I'll try that and see if anything happens after another six months. One that 0% apr goes away, it will be a hard sell for me to keep it. Especially when th QS Visa lets me rack up more rewards due to its higher limit (and its 0% apr). 

[Anonymous]

Don't take the missed auto cli too seriously. I got approve for freedom last year with a 1000 cl. It's been more than a year and no auto cli. Called twice to cli but no dice. So I apped for a slate. Got approved but with a measly 500cl. Tried calling again and they said they have given me the max allowable amount for the time being. I have a chase ink for business with a 9000 limit. I like chase but they are weird sometimes.

[Anonymous]

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@Anonymous wrote:

Don't take the missed auto cli too seriously. I got approve for freedom last year with a 1000 cl. It's been more than a year and no auto cli. Called twice to cli but no dice. So I apped for a slate. Got approved but with a measly 500cl. Tried calling again and they said they have given me the max allowable amount for the time being. I have a chase ink for business with a 9000 limit. I like chase but they are weird sometimes.

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That definitely puts some perspective on it! Maybe I'll mosey on over to Amex and see what they can do for me. It's been a whole two months since I applied for something!