Credit Cards

[airdefender14]

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tylaw13 wrote:

Just an update.i was initially denied for the freedom called the recon line and the lady was pretty rud saying if she puts it up for recon its gonna say the same thing, so then i called the exec backdoor number and spoke with Lisa Colon who was very pleasant to talk to and she said it might be a hard pull i told her its fine since i already have a bunch of INQ's she called me back and asked about a collection that was paid the day i found out about it. she then went on to say it was a soft pull and im approved for a 1000CL. im pretty siked right now! Thanks alot you guys

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Nice! Way to not give up!!

[tylaw13]

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Revelate wrote:

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tylaw13 wrote:

i will be glad to post my score when i get the card. im pretty sure there in the 650 range. CK said 701 last week and today 681, but i know CK is a unreliable source. im really just glad to get a decent card cause i have is Cap1 platinum for bad\rebuilding credit and cap1 cash rewards for average.

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Fixed for you

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thank you haha thats what i meant.

[Eschaton]

YMMV = Your mileage may vary, meaning just because it happened to this person, doesn't mean it will happen to you. It almost goes without saying these days but just to make sure everyone understands.

Congratulations on the Freedom, it's a great card to have right now with the 5% bonus for gas!

[tylaw13]

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Tpelc23 wrote:

That is GREAT!!! I can't wait to close on our house...HOPEFULLY this week so I can apply for a Chase Freedom. My auto loan is with Chase and I would like to refinance it get a better rate. My mid FICO score is EQ which is a 662

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i want to refinance my auto loan to thats why im tryin to up my scores. in the last week i pretty much doubled my combined credit line. so after the AAoA recovers i should be good shooting for 700 range so i can get 4% refi rate apposed to my 16% right now.

[tylaw13]

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Eschaton wrote:

YMMV = Your mileage may vary, meaning just because it happened to this person, doesn't mean it will happen to you. It almost goes without saying these days but just to make sure everyone understands.

Congratulations on the Freedom, it's a great card to have right now with the 5% bonus for gas!

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thats usually what i use my cards for anyways. my gas budget is something like 500 a month cause i drive everyday for work as an IT Technician so most of this is reimbursable anyways plus i buy alot of stuff for work that i get reimbursed for so i hope my rewards will be plentiful

[wreith]

Congrats on the recon, from what you had posted I didn't have any doubt in your getting it.  All my scores are in my siggie, as for my sit I had a couple judgments they asked me about.  I was honest letting them know that not even 10 years ago I wasn't very credit savvy and that I used the head in the sand theory when it came to collection agencies.  Told him times had changed, I'm better with my payments and looking to expand my credit portfolio, thanks to this forum for that answer.

[tylaw13]

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wreith wrote:

Congrats on the recon, from what you had posted I didn't have any doubt in your getting it.  All my scores are in my siggie, as for my sit I had a couple judgments they asked me about.  I was honest letting them know that not even 10 years ago I wasn't very credit savvy and that I used the head in the sand theory when it came to collection agencies.  Told him times had changed, I'm better with my payments and looking to expand my credit portfolio, thanks to this forum for that answer.

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yeah i told the lady i talked to, to look at my payment history ive never been late on a payment and alot of times i pay a couple times a month because cap1 never give CLI's. i also told her i really want to be with a company that cares about there customers and how Cap1 doesnt. and she told me thats shes heard that about cap1

[Wahoo]

Do you think the approval requirements for Freedom have fallen to the point where they might take people who are on the Chase blacklist? 

[diabla]

How are the Chase Freedom approvals going?  Still seeing a lot of people getting approved in the mid 600 range.  I have it on my list for November but I haven't seen anyone get in on a recon if they have old judgments or BK.  Any thoughts?