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05-09-2013 06:27 PM
05-09-2013 07:32 PM
Don't do it!!
With a lower score you'll get a low limit. Give it some time, let things marinate, and manipulate utilization % so you'll get a better starting limit and save a ton of frustration.
I have the Freedom and really would have chosen some other product if knowing in advance that CLIs required hard pulls. Fortunately, the HP falls off this July. They're a good company and have great customer service but there's a very good chance your limit won't grow with steady use.
05-09-2013 07:49 PM
Ok, I want to app for Chase Freedom sooooo bad!!! I got the Amex Blue Sky the first week of April, pulled my Experian and I had a 707. I just refinanced my car and also got a credit union visa with the same pull. They pulled Equifax and I had a 670. I also realllllly wanna go for the 3X CLI on the Amex!!! So should I go ahead and app for the Freedom or what!? I wanna do it so bad!! This is my last credit app until my house in a couple years so I really wanna make it worth it!!
My wallet - BB&T Visa Platinum - $2,500
BayPort Classic Visa - $2,500
American Express Blue Sky - $2,000
Best Buy Store Card - $1,900
Kay Store Card - $1,800
IF you go to Chase.com and you check if you are "pre-qualified" for a card and you get an offer then I say DO IT! If you get no offers, I would sit tight for just a couple months and get your CLI on Amex and THEN go for it!
05-09-2013 08:37 PM
05-09-2013 09:28 PM
05-09-2013 09:30 PM
05-09-2013 09:32 PM
05-09-2013 09:37 PM
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