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Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

I really have the itch! HELLLLPPPP!!!!

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
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: I really have the itch! HELLLLPPPP!!!!

Im a big garden advocate but if your going to garden for a bit after the freedom app DOOOOOOOOOIIIIIIIEEEEEETTTT!!!!!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: I really have the itch! HELLLLPPPP!!!!

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.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Epic Contributor
Creditaddict
Posts: 21,596
Registered: ‎10-23-2007
0

Re: I really have the itch! HELLLLPPPP!!!!


eagles08 wrote:
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!

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: I really have the itch! HELLLLPPPP!!!!

Yeah. Drkaje has a super good point. Ahhhhh!!!!!! I don't know what to do! I did use creditcards.com and one of the listed cards for me was the freedom and I also use credit karma and its always showing me banners for the freedom. Maybe a coincidence but it boosts my confidence a little bit!
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: I really have the itch! HELLLLPPPP!!!!

Well I went for it! APPROVED! Just waiting on the limit now...
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

Re: I really have the itch! HELLLLPPPP!!!!

Congrats

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
2011beginnings
Posts: 296
Registered: ‎02-01-2013
0

Re: I really have the itch! HELLLLPPPP!!!!

Congrats. Any word on the limit?
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Valued Contributor
SpecFile
Posts: 1,370
Registered: ‎08-07-2007
0

Re: I really have the itch! HELLLLPPPP!!!!

Congrats!! Let us know what your CL turns out to be. Hope it's a good one!!
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013
0

Re: I really have the itch! HELLLLPPPP!!!!

Called the number on this forum. $3,000 limit, my highest yet!!!!!!
AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000

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