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Member
Posts: 5
Registered: ‎11-09-2010
0

Possible to get CLI on new Chase Freedom?

Hey all!

 

A couple weeks ago I had applied for the Discover IT card and the Chase Freedom. I was instantly approved for Discover with a $9000 limit (YAY!). I received the 7-10 days message from Chase. I ended up getting a letter from their Fraud department and needed to call in to verify I am who I say I am. Smiley Happy

 

After the verification, the CSR processed my Chase application and it was approved. But only for $3000. The CSR was really struggling (I think she was new) so I just left it at that and ended the call. Pretty disappointed though, especially since Discover gave me $9000. However, since I applied for both the same day, the Discover limit was not on my report and it might have made a difference with the Chase limit if it had been.

 

Discover pulled EQ, which FICO was 719. MyFICO score for TU in January was 715. I have Experian's monitoring service, and my FAKO is 675 (been this score for over a year). But EX does show an inquiry from Chase.

 

Is it possible to get an immediate review and CLI with Chase? Or am I gonna be stuck with the $3000 limit for awhile?

 

Thanks!

Contributor
Posts: 97
Registered: ‎06-28-2008
0

Re: Possible to get CLI on new Chase Freedom?

Nope, call Chase back and ask them to match your Discover CL. A few months back, I applied for Chase Freedom and was approved for $3000. The next day I decided to take my chances with Discover and was approved for $6000. I thought about it for about a day and called Chase back and asked that they match my Discover limit and they did. Warning.....it may result in another HP. You will never know until you try.


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Goal Score: 720


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Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Possible to get CLI on new Chase Freedom?

You can ask them for a increase but they are going to require another hard pull

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Member
Posts: 5
Registered: ‎11-09-2010
0

Re: Possible to get CLI on new Chase Freedom?

Thanks for the information! I just got off the phone with them. I found out my APR is 22.99% (WHAT??). They would have to do a HP for a CLI and to review the APR. She said they pulled Equifax (although I also show a hard inquiry on Experian) but couldn't tell me the score. Discover said it was 719, and they were both applied for back-to-back.

 

But she said that I did not qualify for "elite pricing" and would receive a letter in the mail. I'll wait until I receive that letter to see what it says before calling them back.

 

I almost always PIF, so the APR is not a huge deal, more insulting than anything. But if I do have to charge something that will take more than a billing cycle to pay, it won't be on this card!

 

I was really looking forward to getting away from lower limit cards. Discover made my day, and Chase is raining on my parade. Smiley Sad

 

AngelG

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Possible to get CLI on new Chase Freedom?

I got a 22.99% apr too! Hoping that by the time the 15 mos 0% runs out, they'll wanna lower my apr;-) it'll surely be paid off by then too! Haha
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
0

Re: Possible to get CLI on new Chase Freedom?

I got 22.99 too! Southwest was only 14% apr

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Possible to get CLI on new Chase Freedom?

I got a 22.9 % too...almost as bad as GE. Wait, it is!
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Possible to get CLI on new Chase Freedom?

I got 22.99% too and only a $1000 limit. You did way better than me.

Don't forget that you can setup zero interest for different categories, so if you want to carry a balance for gas (for instance), set it up online through Chase Blueprint. Do you know what I'm talking about?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Possible to get CLI on new Chase Freedom?

@ MovingForward- Really? How long can I set it for 0%?
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Possible to get CLI on new Chase Freedom?

I'm not sure. I would log in to the Chase Blueprint site to see what it says. Maybe someone else here knows but yes, you can setup 0% APR for a specific category, which is nice. :-) I just don't know how long you can set it up for.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014

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