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Established Member
Posts: 61
Registered: ‎07-21-2012
0

Re: Chase Freedom

[ Edited ]

I doubt chase would give me another card with a decent limit so soon.

 


So who else is out there? USAA? Us bank?

 

Ohh I have a checking with BOA.

would they be genrous since im a previous customer?

Valued Contributor
Posts: 2,026
Registered: ‎11-17-2012
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Re: Chase Freedom


uroosa1 wrote:

I doubt chase would give me another card with a decent limit so soon.

 


So who else is out there? USAA? Us bank?


I think out of all the ones you mentioned, USAA would be more likely to grant you a card, but it's not guaranteed. Do you currently have a Discover? Discover is pretty good at giving out cards to people with your stats!

 


Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k FICOS: EX 793 EQ 746 TU 769 VantageScore 3.0: EX 760 EQ 756 TU 760
Established Member
Posts: 61
Registered: ‎07-21-2012
0

Re: Chase Freedom

Who does Discover pull? and which discove would be best for me?

 

What about BOA visa?

Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
0

Re: Chase Freedom

[ Edited ]

LS2982 wrote:


AMEX you'll need to go charge card first IMO. They are picky on revolver approvals with short history.

 

 


Not saying you are wrong, but I got approved for the Blue Cash Everyday with a very, very nice limit with very short history.

 

 Unelss you travel, the Chase Sapphire Preferred is worthless. Yes the bonus is nice, but other than that, it is meant for people who travel. If you are in the

PNC region, you should go for their Cashbuilder Visa Signature.

The Fidelity American Express is a good card too. It gets 2% back on everything.

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Chase Freedom


navigatethis12 wrote:

LS2982 wrote:


AMEX you'll need to go charge card first IMO. They are picky on revolver approvals with short history.

 

 


Not saying you are wrong, but I got approved for the Blue Cash Everyday with a very, very nice limit with very short history.

 

 


It's YMMV, but im sure they decline more short history apps than approve.

 




EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,026
Registered: ‎11-17-2012
0

Re: Chase Freedom

[ Edited ]

uroosa1 wrote:

Who does Discover pull? and which discove would be best for me?

 

What about BOA visa?


BofA may be a little concerned on your credit history being short, but you do have account relations with them so it may give you a leg up. I would go in to the branch to see if you have any preapproved offers first. It's still not a definite.

 

Are you still a student? Or did you graduate? My brother got pre-selected (or maybe it was preapproved, i don't remember) for a Discover Open Road Student card and with less than a year history, one card of his own (Capital One Journey $750) and an AU on my Shell he got a $5000 limit! Yahoo! [Edit: They pulled Transunion for him] If you're still a student, go for Discover More Student and make sure to put your a student for better chance of approval. If you're already graduated, still go for a Discover More (but the regular version) with their 5% cash back rotating categories. Great to have next to that Chase Freedom so you have more variety in categories to maximize your cash back!

 


Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k FICOS: EX 793 EQ 746 TU 769 VantageScore 3.0: EX 760 EQ 756 TU 760
Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
0

Re: Chase Freedom


LS2982 wrote:


It's YMMV, but im sure they decline more short history apps than approve.

 


Most likely. I am convinced it was a computer glitch because it was during the time they were updating their website and computers.

Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

Re: Chase Freedom


LS2982 wrote:

uroosa1 wrote:

Is a score of about 719 good enough of for chase freedom. score might be few points higher if they use EQ

 

Who else has beed approved with a low score and what CL? also where agency did they pull?

 

I have a 1 year history file. no baddies. low utiliz. one card. 4 student loans.

 

I'm about to apply. just need a little confidence.

 

 


How long have your open CC(s) been open?? Chase is very adament about having at least 1 CC open for a year or more before approving for their cards. 719 is a good score.

 

I was approved with a 700 EX score 4 months ago.

 


i was approved for chase freedom ($4600 CL initially) in 2009 with only a 6-month history of open cc's

 

have no idea what my scores were at the time, but had no lates or derogs,low util and always PIF... but obviously had the 2 inqs for the open cc's. (3 TL's but 2 cards, BofA visa and macy's store/macy's visa... that was before macy's buddied upwith Amex and dropped visa)


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

Re: Chase Freedom


uroosa1 wrote:

The CL is $3,000!!!!!!

 

 

im happy, I went from 1st 300cl to a 3,000 for my second. NICE


very nice - congratulations Smiley Happy


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

Re: Chase Freedom


uroosa1 wrote:

Who does Discover pull? and which discove would be best for me?

 

What about BOA visa?


BofA Americard cash reward would be a good  card to get, imo (1% for everyday, 2% for groceries and 3% for gas)

they pulled EX for me recently

also, BofA approved my first cc in 2008 when i had no other open cc's (forget the initial CLI, but it was at least $5k). it was the plain visa gold, no rewards, but now that they offer the1-2-3 Cash rewards, i say go for it Smiley Happy


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787

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