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I really have the itch! HELLLLPPPP!!!!

Regular Contributor

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
13 REPLIES
Mega Contributor

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!!!!!!!!



EQ FICO 548 3/3/16
Senior Contributor

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


Take the FICO Fitness Challenge
Epic Contributor

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!

Regular Contributor

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

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
Super Contributor

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

Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor

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

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

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