i'm Considering applying for Chase Freedom CC, who they pull?

[09Lexie]

Anything is possible. What are your current CS? AAOA? Any baddies? Number of inq's?

[leoment]

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@wilson382 wrote:
i have a simplicity 3k limit  balance 0
i have citi forward 4k limit balance 0 
i have discover it 750 limit and about 400 balance, trying to increase limit of this one

Do you guy think I can get a higher limit than my citi forward from Chase Freedom if Approved?

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It is possible, but Chase often matches limits that you currently have (anecdotal experience though)

[wilson382]

i have no baddies on my report, currently have 3 cc forward 4k, Simplcicity 3k and Disc it $750, AAOA is 2.4 years and inquiries is EX(5), EQ(2) and TU(2).

I think if Approved Chase my offer me a 4k limit to match my Citi Forward limit, I would like something higher than that.

[09Lexie]

Do you have a banking relationship with Chase?

[Blackrv7]

They pulled my TU in Nov of 13.

[wilson382]

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@09Lexie wrote:
Do you have a banking relationship with Chase?

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Not really, My father owns a Business and he have an opne business account with them where I'm an authorized user, but that is all.

[09Lexie]

If approved, I'd give you a 90% chance that they will give you $4k. I don't see them giving much more than your Citi.

[FinStar]

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@09Lexie wrote:
If approved, I'd give you a 90% chance that they will give you $4k. I don't see them giving much more than your Citi.

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+1

It will likely be anywhere within your median tradelines' CLs.  As Lexie mentioned, all things considered and if approved, I'm guessing anywhere from $2.5K - $3.5K.

[wilson382]

i can ask for reconsideration and ask for increase it right away. If somehow they approved with a limit not acceptable for me and they not able to give me a better offer,I say I dont want that limit, what will happen? Do they remove the hard inquiry they just pull from my credit report or im forced to take whatever they approved me for? 

[09Lexie]

Recons with Chase are 99.99% HP's. They will not remove the first or subsequent HP's. It's best to app when you are ready to accept the CL given