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Contributor
cracksmeup
Posts: 102
Registered: ‎01-10-2012
0

How hard is it to get Chase Freedom approval?

I'm considering applying but want to have an idea of what they are looking for in terms of scores.  My EQ is 688.  My lowest score, can't remember if its TU or EX is in the 670's.  My oldest cc account is 1 year 2 months.  What are my chances of being approved for this card?  Is there a better option for me, given my scores.  I already have a Discover More and Capital One Platinum.  My current utilization is around 29%.  Thanks!  

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: How hard is it to get Chase Freedom approval?

Get your UTIL below 10%. Just an easy way to help your case

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Member
joshy
Posts: 49
Registered: ‎11-13-2012
0

Re: How hard is it to get Chase Freedom approval?

If you have a chase checking account and know someone, a banker apply with them you will get denied ask then to call for recon and speak to them and ask for low CL like $500 to $1000 to start and after 6 month call backdoor number and ask for more thats how I did it.
Credit Cards:Amex BCE $5K. Amex costco $15K,Chase Freedom $1K, Discover $4K,Discover it $1.7K Cap1 $2.5K, Cap1 $1.5K, Cap1 visa $1K, BBRZMC $300, BNFL $1450, Cap1 $2K. BRCU $1K.chevrom visa $3.3K, toyrus visa $6.3K,walmart DC$2.4k,Gap vs$4k

Store Card.Walmart $3.3K,Amazon $3.5K, Old Navy $4.7K, KOHLS $500, The Children's Place $325. Target $700, Express $1.15K. paypal SC $1.8K, MACYS $2.5k
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

Re: How hard is it to get Chase Freedom approval?


Jutz wrote:

Get your UTIL below 10%. Just an easy way to help your case



I agree on that .....  to even better help your case , get Util down to 1 %


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012
0

Re: How hard is it to get Chase Freedom approval?


cracksmeup wrote:

I'm considering applying but want to have an idea of what they are looking for in terms of scores.  My EQ is 688.  My lowest score, can't remember if its TU or EX is in the 670's.  My oldest cc account is 1 year 2 months.  What are my chances of being approved for this card?  Is there a better option for me, given my scores.  I already have a Discover More and Capital One Platinum.  My current utilization is around 29%.  Thanks!  


I opened a checking account with them and that helped.

They will offer you a card when you open the account and they usally have promotions.

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Frequent Contributor
sakhalin070
Posts: 296
Registered: ‎08-28-2012
0

Re: How hard is it to get Chase Freedom approval?

My co-worker has never had a credit history and got the Chase Freedom as his first card with a $500 limit.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: TU 781 EX 776 Last App: November 2012
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012
0

Re: How hard is it to get Chase Freedom approval?

Keep your Utilization low (like 1-2% max) or PIF. Make sure all your other cards are reported with 0 balance. Make sure your history is good with other cards. And lastly, make sure your scores are 680+ (it helps your chances more). And sak, you have a lucky co-worker. I'd love to have it as my first card, but I'm waiting a few more months (the wait is making me impatient...must...resist.....applying...for...cards..)

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: How hard is it to get Chase Freedom approval?

Freedom card isn't as hard to get as people make it seem, it's just hard getting a decent limit =P


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: How hard is it to get Chase Freedom approval?

yeah i got a measly 500 limit in july with an aaoa of about a year and a half. (store cards) 

and supposedly freedom doesnt look at store cards so yeah 

score was around 675 at time of app. 

 

planning on asking for a cli some time this summer since its always a hard pull. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: How hard is it to get Chase Freedom approval?

[ Edited ]

distantarray wrote:

Freedom card isn't as hard to get as people make it seem, it's just hard getting a decent limit =P


This is what i found as well. They have no problem giving it out with sub 600's but they give awfully low limits at times


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