Credit Card Center Advertiser Disclosure†

Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Do you mean 
Reply
Topic Options
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 05:41 AM

congrats excellent CL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 21 of 42 (1,083 Views)
 
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 06:04 AM

CONGRATULATIONS!


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 22 of 42 (1,078 Views)
 
Highlighted
Frequent Contributor
nenuco
Posts: 322
Registered: ‎07-30-2011
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 06:36 AM

Congrats! You'll love them! Enjoy the features & benefits, you've earned them Smiley Wink
Full on Garden Mode (•‿•)
Message 23 of 42 (1,068 Views)
 
Valued Contributor
creditnocash
Posts: 2,300
Registered: ‎07-23-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 07:27 AM

Congrats! 

 

chase from what i read here is always a hard pull for a cli. 

ironically i only apped for chase freedom at the time because ck told me i would get approved lol. 

and i did for 500. plan on asking for a cli after one year with it and all my other lines reporting 2k +

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 24 of 42 (1,043 Views)
 
Valued Contributor
injustifiiable
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 08:15 AM

Congrats!

 

What bureau did they end up pulling?

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 25 of 42 (1,030 Views)
 
Valued Contributor
maiden_girl
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 09:26 AM

creditnocash wrote:

Congrats! 

 

chase from what i read here is always a hard pull for a cli. 

ironically i only apped for chase freedom at the time because ck told me i would get approved lol. 

and i did for 500. plan on asking for a cli after one year with it and all my other lines reporting 2k +

 

 

Only if it's customer initiated Smiley Happy It's a generous starting amount so I won't be requesting an increase quit yet. I think I'll wait and see how long it takes before the auto increase.

 

Smiley Very Happy

 

As of 2017, rebuilding...
Message 26 of 42 (1,014 Views)
 
Valued Contributor
Dustink
Posts: 3,099
Registered: ‎10-02-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 09:29 AM

maiden_girl wrote:

I pulled the trigger earlier than expected on the Chase Freedom card!! My plan was to wait until my UTIL was down before applying for the card but I was in a good mood. So glad I went ahead with it!! Was instantly approved!!

 

So of course you get THIS message when you apply online.

 

Called the backdoor number to find out my limit!! It's $3k and standard APR 22.9% after 15 month 0% intro APR. SOOO EXCITED! Happy dance! So far...my highest limit "regular" card!!

Are you sure they gave you the promo APR?

 

I was just approved for $5k and they did not approve the promo apr.

 

=
Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 27 of 42 (1,012 Views)
 
Valued Contributor
creditnocash
Posts: 2,300
Registered: ‎07-23-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 09:29 AM

maiden_girl wrote:
creditnocash wrote:

Congrats! 

 

chase from what i read here is always a hard pull for a cli. 

ironically i only apped for chase freedom at the time because ck told me i would get approved lol. 

and i did for 500. plan on asking for a cli after one year with it and all my other lines reporting 2k +

 

 

Only if it's customer initiated Smiley Happy It's a generous starting amount so I won't be requesting an increase quit yet. I think I'll wait and see how long it takes before the auto increase.

 

Smiley Very Happy

 

true but i dont think they can hard pull without your permission. there for all chase initiated cl are soft pull =)

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 28 of 42 (1,012 Views)
 
Valued Contributor
injustifiiable
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

Re: Pulled the trigger early!
Options

‎10-09-2012 09:34 AM

creditnocash wrote:
maiden_girl wrote:
creditnocash wrote:

Congrats! 

 

chase from what i read here is always a hard pull for a cli. 

ironically i only apped for chase freedom at the time because ck told me i would get approved lol. 

and i did for 500. plan on asking for a cli after one year with it and all my other lines reporting 2k +

 

 

Only if it's customer initiated Smiley Happy It's a generous starting amount so I won't be requesting an increase quit yet. I think I'll wait and see how long it takes before the auto increase.

 

Smiley Very Happy

 

true but i dont think they can hard pull without your permission. there for all chase initiated cl are soft pull =)

I'm not sure, but isn't being a customer of theirs "permissible purpose" or whatever? It seems like they can do either a HP or SP depending on their mood that day...

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 29 of 42 (1,003 Views)
 
Valued Contributor
Dustink
Posts: 3,099
Registered: ‎10-02-2012
0 Kudos

Re: Pulled the trigger early!

[ Edited ]
Options

‎10-09-2012 09:35 AM - edited ‎10-09-2012 09:36 AM

It is up to them, but generally unless customer initiated CLI's are SP's.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 30 of 42 (998 Views)
 
POPULAR LINKS
Credit scores | Credit reports | myFICO Blog | Affiliates

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.