Reply
Established Member
highfrogs
Posts: 25
Registered: ‎11-19-2013
0

Re: Chase freedom Vs Discover IT

My credit score has recently increased and I've been getting lucky with the shopping cart trick so I applied for the Chase Freedom as well as the Discover it. At first they were both denials so I called the back door numbers. Chase didn't want to approve me, my score didn't meet their requirements. Discover on the other hand said they didnt even have my app on file and to apply over the phone, so I did, and after applying, and then being connected to an analyst and claryfing some questions, (and kissing ass by telling them how great their rewards are), they approved me! Can't wait until the card arrives... :cattongue:

In My Wallet: Duck Card 10000, Beaver Card 5000, Paypal Smart Connect 1600, Barclay Card 1500, DiscoverIT 1500, Citi Thank You Preferred 1200, Care Credit 1200, Victoria's Secret Store 750, Citi AT&T Savings & Rewards 600, Express 250, Brylane Home 250
FICO Scores: TransUnion 690 (01/14), Experian 686 (11/13) and Equifax 695 (01/14)
Goal: 750+
Want: Citi Dividend, Chase Freedom, Amex Blue Cash Everyday, US Bank Cash +
Super Contributor
longtimelurker
Posts: 7,648
Registered: ‎04-22-2013
0

Re: Chase freedom Vs Discover IT

Congrats on discover.  

 

The "shopping cart trick" isn't always free.  Yes, you avoid HPs, but (if you are lucky) get a bunch of low CL new accounts, which impact the AAoA lowering the score,and a lender will see them, even without the inqs, and wonder if you are shopping too hard for credit.   So good that Discover came through


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}