Credit Card Center Advertiser Disclosure†
03-30-2013 03:55 PM
03-30-2013 03:57 PM
Followed the link for pre approved cards and got:
"We are unable to locate any special credit card offers for you at this time.
This may be because you have opted out of "pre-screened" offers from Chase and other companies or you have recently responded to another offer from Chase.
However, we may still have products to meet your needs. Please continue to chase.com."
My Chase is my oldest at 9 months. Never late. Never maxed. I do think I append for a Saphire Preferred and got declined about 6 moths ago. And I have had a CLI since I had it too. Maybe they're just not that into me?
You might want to wait it out 3 months when the freedom hits 1 year and go for the slate.
03-30-2013 03:59 PM
i would recommend you wait for 3 more months, then apply for another chase card.
however if you really can't wait and need to cut down on those interest fees right away, just apply for the slate and call recon to explain.
the slate has similar UW to the freedom so you shouldn't be too far off away.
the CSP is a lot harder to get than the freedom and slate, so you shouldn't use the CSP to gauge your chances for freedom or slate.
Chase rarely ever gives out any auto CLI. It's not just you. It's how they do things. If you initiated a CLI it was a HP. And since they approved you for a CLI, you are doing something right in their books.
03-30-2013 04:13 PM
03-30-2013 04:52 PM
03-30-2013 05:02 PM
03-30-2013 06:27 PM
03-30-2013 07:19 PM
Or I could convert all my money to French Dabloons, bury it all in my back yard and move into a hermit cave in the Ozarks my only friend a rock named Ed.
Just kidding. I'm not ignoring the advice I'm just weighing my options. You've got a good point about HP's vs saving $. I don't have much to loose really. A HP maybe.
as long as your freedom card is in good standing (no lates, no overlimits, or anything out of the ordinary), you should be approved for the slate. You might not get an approval instantly, but a phone call to recon will certainly fix that.
Don't pay any kind of finance fees if you don't have to. Just apply for the card now, or whenever BEFORE amex or your other cards start charging you interest fees.
Chase might decline you initially even citing your account is under 1 year, but like many have said, their recon department is easy to work with and many things are negotiable. Their main concern is your ability to repay debt on time. You just have to convince them somehow.
03-31-2013 06:09 PM
04-01-2013 02:55 PM
So I lept out of the garden and decided to app for the Slate figuring all I had to loose is an HP. I called chase to see if I had had my freedom account with them a year and I had. IMy balance was really low as well. so I apped on line. I was approved instantly. But for only $500. Which was no help as I was getting the card for the BT deal. I asked the custo service agent for a CLI. She said it would be a hard pull this time as opposed to the soft pull for the card app. It was tagged pending and she offered to transfer me to another agent to negociate a CLI. The new agent gave me $5k CL just like that!
The hits just keep on coming.
I love you guys and this forum. I would have never been able to get where I am without it.
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.
* 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.
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.