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How hard is it to get Chase Freedom approval?

Contributor

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!  

Message 1 of 14
13 REPLIES
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 2 of 14
Valued Member

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
Message 3 of 14
Frequent Contributor

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 *****
Message 4 of 14
Regular Contributor

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)
Message 5 of 14
Frequent Contributor

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, Barclaycard Cash Forward
Message 6 of 14
Frequent Contributor

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.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 7 of 14
Established Contributor

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
Message 8 of 14
Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 9 of 14
Frequent Contributor

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


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

Message 10 of 14