Credit Card Center Advertiser Disclosure

New Member
Posts: 16
Registered: ‎11-22-2013
0 Kudos

Good time to apply for Chase Freedom?

[ Edited ]

I'm a college student currently only have a BofA Travel Rewards card with a 2.5k limit. I want to apply for the Chase Freedom to start racking up UR points and eventually transfer the points to CSP when I get it down the road. Here is my current situtation


Cards: BofA Travel Rewards 2.5k

INQs: 1 from opening BofA travelrewards in Dec, 1 from applying to Chase Southwest in July (Denied, didn't know better at the time that with my limited credit history I was basically auto denied), 1 from CLI on BofA in Aug

AAoA: 11 months, will be 12 in Dec

No other lines of credit

Scores: From PrivacyGuard are around 705-715 for all three scores. I've always paid in full/never been late on my BofA card.


I'm thinking I should wait until Dec such that my credit history hits 1 year old, drop my util to 9% and apply for the Freedom. I can put around 60k+ income if I count money given to me for tuition, living, scholarships, and work/internships.


1)Any tips on applying and do you think this is a good idea to apply or should I wait it out longer.

 2)I'm also considering the Discover IT $150 CB after $750 spend. Do you think if my goal is to get CSP ASAP I should also apply for both cards?

3)When do you think would be a good time to apply for CSP?

4)Would going into a Chase branch and applying to Chase Freedom increase my chances?



12/12 BofA TravelRewards $700 || 08/13 BofA TravelRewards $700 -> $2,500 || 12/13 Chase Freedom $2,500 || 12/13 Chase Sapphire Preferred $12,000 || 12/13 Amex Starwood Preferred Guest $5,000 || 12/13 Discover IT $2,000
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0 Kudos

Re: Good time to apply for Chase Freedom?

From what people have posted here: Chase like to see at least a year. You should have a good income for CSP. Some people who bank with Chase feel they have gotten better treatment.

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.