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
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.