Credit Cards

[cracksmeup]

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!  

[Jutz]

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

[joshy]

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.

[newportguy]

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Jutz wrote:

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

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

[Mustangfrank]

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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!  

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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.

[sakhalin070]

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

[bluesnowman]

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..)

[distantarray]

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

[creditnocash]

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. 

[AF_23]

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distantarray wrote:

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

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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