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Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Chase Freedom?


worcester wrote:

I just wanted to provide a quick update to you guys. A couple weeks ago I figured out that my credit scores are higher than I initially reported. The ones I reported were directly from equifax. However, I signed up for scorewatch on myfico and saw that my EQ fico was 797. I then apped for AMEX BCP and was approved with a $10,000 CL. When I received my card, it indicated that my EX was 788. So, I guess that myfico had the correct scores and not Equifax. I'm not sure why there was such a large discrepency between Equifax and myfico, but I guess Equifax was giving me FAKOs.

 

I am going to wait a couple months to do an AMEX auto CLI to a little over $20,000. I will then probably app for either the Chase Freedom or CSP. I'm hoping that this combo of cards will allow me to maximize rewards.


Congrats on a great card with a great limit

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
Luscher
Posts: 1,258
Registered: ‎03-24-2013
0

Re: Chase Freedom?

when you do your amex cli. ask for 24.9k
CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Moderator
Kenny
Posts: 6,415
Registered: ‎01-15-2009
0

Re: Chase Freedom?

congratulations, you've done a great job! :smileyhappy: You can get 3x CLI with your income there should be no problem with that and your scores will back you up as well. Who cares if they want you to provide proof of income? Great job!
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:779(12/25) - EQ04:770(10/31) - EQ08:784(12/26) - TU08:800(12/27)
Goal Score: 800+
Valued Contributor
takeshi74
Posts: 3,250
Registered: ‎06-05-2013
0

Re: Chase Freedom?


worcester wrote:

Or does anyone have any suggestions for a better CC for me? 

 


You haven't really posted the info we'd need to make suggestions.  What are you looking for?  What are your major spend categories?  Don't just assume that best is universal no matter what the topic.  Always provide your criteria for best when asking for recommendations.

Frequent Contributor
chrisw1968uk
Posts: 278
Registered: ‎08-03-2013
0

Re: Chase Freedom?

I had 3 cc's when I apped for Freedom - WF Visa with $1K CL,  Discover with $1250 and Cap 1 with $1k - I was approved with Freedom for $4.5K, not sure if existing small credit lines matter to them :smileywink:

Amex BCE - Chase Slate - Citi Diamond Preferred - Citi Double Cash - Discover IT - US Bank Select Perks

Fico Target Of 780+ On All 3 By 12/14, currently 775 (10/17/14)

Contributor
supervelous
Posts: 125
Registered: ‎08-09-2013
0

Re: Chase Freedom?

[ Edited ]

I hope you got the $250 bonus on the BCP via creditcards.com.  I found out about that AFTER I already app with the $150 bonus.  Tried to get matched but two separate CSR's shot me down.  Also, the Chase Pre-Qualification on their site is pretty good.  I imagine with your profile everything will show up, and I hear once you get that pre-qual its a strong indicator of approval.

 

For me only Freedom popped up, but I put in my mom's information (with her consent) and Freedom, CSP, and Slate came up as pre-qualified and at all their best rates (well CSP is same rate for everyone).  I have a much lower FICO than you, in the 600's

 

To add to the poster above me about if existing small lines matter to Chase, my limits were $250, $300, $300, $500, $700, and $1,730 and Chase approved me for $5K Freedom Visa Signature and $6,200 Chase Sapphire Preferred Visa Signature, so I also wouldn't think small credit lines matter to them.  Also my income is about the same as yours.  


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