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Chase showing some interest... so tempted!!!

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Established Member

Chase showing some interest... so tempted!!!

So in Nov. 2011 I the only card I had in my wallet was a Cap1 with a crappy $200 limit.  My credit score was 700 due to my car payment but my AAoA was only 7 months.  I applied for a Chase Freedom thinking that they would give me a shot because of my checking /savings accts with them.  No dice auto decline (not enough accts and not enough history the reasons).  Fast forward to April 2012 at the one year mark of my Cap 1 card and a score of 796 TU 735 EQ.  I first applied for Apple Barclays instant approval 1300. Still had the itch in May so i applied for a Discover More, instant approval 2500. Both great feelings!!!

 

So last night I log into my Chase Accounts and what do I see.... a pre-approval for the Chase Freedom!!  I resisted the urge to pull the trigger as I have forced myself into the garden till Nov. 2012 when I will apply for the Freedom and a Kay/Jeweler card.

 

Do you guys think I should pull the trigger on the Pre-Approval or wait for the 6 month CLI on my Apple and Discover cards then go after the final 2 cards in my 2012 - 2013 CC goal list??

Message 1 of 11
10 REPLIES
New Contributor

Re: Chase showing some interest... so tempted!!!

I would wait atleast 6 months because I hear Barclays is really picky for new accounts. YMMV

Cap1 500 Chase Freedom 5K Discover More 1.5K Amex Zync NPSL AMEX Hilton HHonors 2K
Utilization 7%
Tu Fico: 718 ( Disover More App 4/26/12)
Exp Fico 707 (Amex Pull 4/28/12)
Equifax Fico 681 (Chase 4/26/12 Pull)
Message 2 of 11
Established Contributor

Re: Chase showing some interest... so tempted!!!

You deserve to get your Chase Freedom, but that pesky Barclays is a joy killer.  Beware!

Message 3 of 11
Frequent Contributor

Re: Chase showing some interest... so tempted!!!

Chase is showing pre-approvals online now?  How awesome, although I doubt i will ever see one lol.  I already have 5 Chase cards, there aren't many they have that I don't already have.

 

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 4 of 11
Valued Contributor

Re: Chase showing some interest... so tempted!!!


hedgeclipper2 wrote:

Chase is showing pre-approvals online now?



This is news to me too.  Where do you see it on the website?



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Message 5 of 11
Regular Contributor

Re: Chase showing some interest... so tempted!!!


discernment wrote:

hedgeclipper2 wrote:

Chase is showing pre-approvals online now?



This is news to me too.  Where do you see it on the website?


Wondering that myself! I know I have pre-approvals if I go in a branch and ask, but I've never seen them online.

Message 6 of 11
Valued Member

Re: Chase showing some interest... so tempted!!!

I constantly hear about this Barclay issue but I added 3 cards within 4 months of getting my barclay card and suffered zero issues, YMMV i guess


Starting Score: 550 (May 2011)
Current Score: TU FICO 671 (walmart), EQ FICO 658, EX Plus 644 (May 2012)
Goal Score: 700


Take the FICO Fitness Challenge
Message 7 of 11
Blogger

Re: Chase showing some interest... so tempted!!!


parkerwilson wrote:

I constantly hear about this Barclay issue but I added 3 cards within 4 months of getting my barclay card and suffered zero issues, YMMV i guess



The magic sometimes happens at Month 6.

Not trying to scare you, but that's what I've read.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 8 of 11
Valued Member

Re: Chase showing some interest... so tempted!!!

I am at month 9, hope all is well


Starting Score: 550 (May 2011)
Current Score: TU FICO 671 (walmart), EQ FICO 658, EX Plus 644 (May 2012)
Goal Score: 700


Take the FICO Fitness Challenge
Message 9 of 11
Established Member

Re: Chase showing some interest... so tempted!!!

discernment wrote:

hedgeclipper2 wrote:

Chase is showing pre-approvals online now?



This is news to me too.  Where do you see it on the website?


Wondering that myself! I know I have pre-approvals if I go in a branch and ask, but I've never seen them online.

 

Yes once I entered my my login ID and password on Chase.com a screen popped up saying that I had been pre approved for a chase freedom.  Maybe it was a new thing for their customers.  I declined and was taken to my Accounts screen.  But when I applied the first time I did so through my Chase.com account so maybe they were keeping an eye on me.

Message 10 of 11