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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Pulled the trigger early!

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
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Pulled the trigger early!

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!)

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Contributor
nenuco
Posts: 228
Registered: ‎07-30-2011
0

Re: Pulled the trigger early!

Congrats! You'll love them! Enjoy the features & benefits, you've earned them :smileywink:
Garden Mode... kind of... sort of (•‿•)
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Pulled the trigger early!

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: Pulled the trigger early!

Congrats!

 

What bureau did they end up pulling?

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Pulled the trigger early!


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 :smileyhappy: 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.

 

:smileyvery-happy:

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Dustink
Posts: 3,016
Registered: ‎10-02-2012
0

Re: Pulled the trigger early!


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%
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Pulled the trigger early!


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 :smileyhappy: 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.

 

:smileyvery-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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: Pulled the trigger early!


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 :smileyhappy: 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.

 

:smileyvery-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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
Dustink
Posts: 3,016
Registered: ‎10-02-2012
0

Re: Pulled the trigger early!

[ Edited ]

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%

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