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webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: OMG CHASE FREEDOM INSTANT APPROVAL


ninjamike81 wrote:

just got a walmart card yesterday.  seen that chase pulls EX for the most part or EQ on credit boards.  EX is my best report by far and they approved me but didnt say what the cl is.  is chase freedom considered a prime card?  should I try for the saphire today aswell just to see if im approved or will it be another hard inq.  thanks mike


Congrats!  Freedom is a nice card that will grow with you


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
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: OMG CHASE FREEDOM INSTANT APPROVAL

CONGRATS!!!

 

Chase is almost always HP for CLI, i'd hit them up at the yearmark.




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
Regular Contributor
ninjamike81
Posts: 206
Registered: ‎08-16-2012

Re: OMG CHASE FREEDOM INSTANT APPROVAL

thanks.... and thanks for the cli info

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $2300, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $13200
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: OMG CHASE FREEDOM INSTANT APPROVAL

You might even be OK at 6 months stressing the low CL they may work with you :smileyhappy:



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
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: OMG CHASE FREEDOM INSTANT APPROVAL


Tommy5746 wrote:

Just out of curiousty, who did they pull?


every time ive apped chase.

2 times denied 

once instant approval. 

 

they pulled experian.

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
ninjamike81
Posts: 206
Registered: ‎08-16-2012

Re: OMG CHASE FREEDOM INSTANT APPROVAL

[ Edited ]

Tommy5746 wrote:

Just out of curiousty, who did they pull?


they pulled experian and equifax    10 pt hit for EX bc the hard pull.  but EQ didnt budge EX=5 EQ=8 TU=9 INQ.


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $2300, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $13200
Valued Contributor
maiden_girl
Posts: 1,743
Registered: ‎12-29-2011

Re: OMG CHASE FREEDOM INSTANT APPROVAL


jamesdwi wrote:

maiden_girl wrote:

DeadSpider wrote:

Call Cap1 again and cancel over the phone they might drop the $19 if not close that $%$%#^.


It sounds like cap one is the oldest trade line account. I wouldn't advise canceling it b/c it will drop your AAoAs. I would keep it open and just not use it. Cap one never gives CLIs...

 


this is wrong, closed cards in good standing stay on your report for 10 years. in 10 years the OP will hopefully have long history so the lost of the card then will have very little impact.  The only reason not to close a card is that it will effect your total UTL.  

 

The AF is not terrible, if you don't need the card close it, if you can think of any reason to keep it that is worth $20 keep it open. 

 

 


I should have corrected my post....it will drop AAoA after 10 years b/c it will have stopped reporting the account on the CR.

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal scores: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
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