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Member
cladjuster
Posts: 8
Registered: ‎10-23-2008
0

I am dying to apply for the chase freedom

I recently have beeng trying to build my credit profile again, and after days of searching boards and seeing other peoples scenarios has made me feel like i stand a chance, but im not 100 percent sure. I have 0percent UTIL AAOA 2.5 years, 3 old baddies 2 yours old, 3 new inquires, two new credit card acounts (cap one cash back), (amazon store), paid off my chase auto loan this month and started a new lease with kia. The lease and two new credit card accounts havent hit my report yet. I dont know if i should wait for these new items to report, wait 6 more months for my credit to age, or apply now.


Starting Score: 647
Current Score: 667 EQ
Goal Score: 710


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Current
Cap1 platinum 1k, Cap1 rewards 1k, Amazon 600, chase freedom 2k
Goal Cards US Bank+ rewards, Amex Cash blue.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: I am dying to apply for the chase freedom


cladjuster wrote:

I recently have beeng trying to build my credit profile again, and after days of searching boards and seeing other peoples scenarios has made me feel like i stand a chance, but im not 100 percent sure. I have 0percent UTIL AAOA 2.5 years, 3 old baddies 2 yours old, 3 new inquires, two new credit card acounts (cap one cash back), (amazon store), paid off my chase auto loan this month and started a new lease with kia. The lease and two new credit card accounts havent hit my report yet. I dont know if i should wait for these new items to report, wait 6 more months for my credit to age, or apply now.


I say, yes you stand a chance...  simply because youve had history with chase due to your auto loan....   Apply for the Chase. If denied, recon them and bring up the fact that you paid your auto loan on time every time (hopefully this is the case)

 

If you had lates on your auto, don't apply...  Wait 12 months for a better chance.

 

Do you have your checking with them?  If you have your checking with them, go to the branch and ask the manager to see if you have any "offers" or "pre-approvals" in their system.  If you do, the app away. Chase solicits new business by cross selling products to existing customers. I had paid in full an auto loan with Chase in Feb, and got approved for a 5k limit with Chase in Feb as well.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Member
cladjuster
Posts: 8
Registered: ‎10-23-2008
0

Re: I am dying to apply for the chase freedom

ok, i applied online, and got the 7-10 day further review messege. Sh ould i wait and see what they say or go ahead and call the recon number?


Starting Score: 647
Current Score: 667 EQ
Goal Score: 710


Take the FICO Fitness Challenge


Current
Cap1 platinum 1k, Cap1 rewards 1k, Amazon 600, chase freedom 2k
Goal Cards US Bank+ rewards, Amex Cash blue.
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: I am dying to apply for the chase freedom

you could try but remember having checking with them increases your odds of getting approved + you get extra 10 points for purchase with a freedom card. Then transfer to CSP when you can to get 20% more to your points =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: I am dying to apply for the chase freedom

Call the backdoor number for a recon. Keep us updated

Member
cladjuster
Posts: 8
Registered: ‎10-23-2008
0

Re: I am dying to apply for the chase freedom

I just called  the recon number and GOT APPROVED. Im pretty happy about this, this is the only card that i have wanted until i have an amazing credit file and get stand a chance against the US BANK + card. They approved me for 2k CL. I am now wondering how long till i could get a CLI.


Starting Score: 647
Current Score: 667 EQ
Goal Score: 710


Take the FICO Fitness Challenge


Current
Cap1 platinum 1k, Cap1 rewards 1k, Amazon 600, chase freedom 2k
Goal Cards US Bank+ rewards, Amex Cash blue.
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
0

Re: I am dying to apply for the chase freedom

Wow, congrats!  What type of questions did they ask you for the recon?

 

I plan to try for them in a couple of weeks, this is mighty encouraging.

Established Contributor
shakalaka
Posts: 554
Registered: ‎09-10-2012
0

Re: I am dying to apply for the chase freedom

Congrats


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 770 (8/18) EQ 732 (8/8) EX 748 (12/5)

New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012
0

Re: I am dying to apply for the chase freedom

Were your baddies paid off?

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
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HiLine
Posts: 2,860
Registered: ‎10-19-2012
0

Re: I am dying to apply for the chase freedom

[ Edited ]

Congrats! 2k is not bad for a Freedom! :smileywink:


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