chase freedom odds?

[Anonymous]

To start this off, I know you guys can't give a straightforward answer as to whether or not I'll get approved, but...

Here's my situation- I have a very young credit history and want the Freedom now for the $200 bonus!

Dec 2013- got a discover it ($500, currently $750) and a card through my CU ($500)

July 2014- got a citi thankyou preferred ($1500)

October 2014- got an amex everyday ($3700, now $10k)

November 2014- reported as an AU from my mom's Chase card, inflated my score and history.

I'm a student and make $10.5K

Should I hold off from applying for the Freedom?

Thank you!

[Anonymous]

Looks good. Go for it. Whatever you get out of auth user doesn't matter to them.

If you get declined, just recon but you've got a good shot at it IMO.

[msbia]

Apply! Your odds were certainly better than mine lol. But check the Chase prequalify link first.

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@Anonymous wrote:

To start this off, I know you guys can't give a straightforward answer as to whether or not I'll get approved, but...

Here's my situation- I have a very young credit history and want the Freedom now for the $200 bonus!

Dec 2013- got a discover it ($500, currently $750) and a card through my CU ($500)

July 2014- got a citi thankyou preferred ($1500)

October 2014- got an amex everyday ($3700, now $10k)

November 2014- reported as an AU from my mom's Chase card, inflated my score and history.

I'm a student and make $10.5K

Should I hold off from applying for the Freedom?

Thank you!

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[Anonymous]

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@Anonymous wrote:

To start this off, I know you guys can't give a straightforward answer as to whether or not I'll get approved, but...

Here's my situation- I have a very young credit history and want the Freedom now for the $200 bonus!

Dec 2013- got a discover it ($500, currently $750) and a card through my CU ($500)

July 2014- got a citi thankyou preferred ($1500)

October 2014- got an amex everyday ($3700, now $10k)

November 2014- reported as an AU from my mom's Chase card, inflated my score and history.

I'm a student and make $10.5K

Should I hold off from applying for the Freedom?

Thank you!

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Chase is weird when approving people.  Nobody knows how /what they go by.  If your scores are good, give it a shot.  Also, check their pre-approval site and see what it give you.

[Anonymous]

Nothing is showing up on the prequalification website.

Thank you both for your input, I'll probably apply!

[Anonymous]

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@Anonymous wrote:

Nothing is showing up on the prequalification website.

Thank you both for your input, I'll probably apply!

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Keep us posted and keeping fingers crossed for you.

[Anonymous]

It doesn't show any for me either. And I just got approved for an Amex BCP.

[Anonymous]

Approved for $2k at 18.99%

Looking forward to the bonus/ alternating the 5% with the Discover.

Thanks, guys!

[Anonymous]

Nice!

Congrats!!

[Anonymous]

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@Anonymous wrote:

To start this off, I know you guys can't give a straightforward answer as to whether or not I'll get approved, but...

Here's my situation- I have a very young credit history and want the Freedom now for the $200 bonus!

Dec 2013- got a discover it ($500, currently $750) and a card through my CU ($500)

July 2014- got a citi thankyou preferred ($1500)

October 2014- got an amex everyday ($3700, now $10k)

November 2014- reported as an AU from my mom's Chase card, inflated my score and history.

I'm a student and make $10.5K

Should I hold off from applying for the Freedom?

Thank you!

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 Congrats!  My daughter is 24 and has had credit for 6 years.  Applied for Chase Freedom and was denied.  Too many new accounts, (2) and length of time for credit not long enough.  I haven't a clue what they go by from person to person.  I thought 100% that she'd get accepted.  Her TU is a 700, thought they pulled EX, but they pulled EQ and used an internal scoring system.  She has two deferred student loans, a Citi Forward $2000 and a Cap One $500 and three store cards, Walmart $1200, Amazon $900 and Victoria's Secret $500.  That's it.  No balances except on Cap One.