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

[FinStar]

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@wilson382 wrote:

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? 

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When you ask for a reconsideration or re-review, you will likely incur another HP with no guarantee of a CLI - it would depend on a number of factors.

An item to keep in mind, if you are approved and nothing has substantially changed on your profile from the original application, then chances for a CLI will be slim.  If you're not "satisfied" even with a counter-offer, then there's really not much you can do.  Let's face it, if you don't feel your profile justifies getting the highest CL, then don't apply until your profile is more optimal.  Moreover, Chase will not remove the 2nd HP - you're technically applying for additional credit.

[wilson382]

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@09Lexie wrote:
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

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Do you mean they will HP's twice if i recon? or You mean for the cc app they do a soft pull and for recon HP?

[myjourney]

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@wilson382 wrote:

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@09Lexie wrote:
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

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Do you mean they will HP's twice if i recon? or You mean for the cc app they do a soft pull and for recon HP?

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App HP Recon HP =2

[09Lexie]

There is no sp for apping or in this case recon for CLI. It would be a hp for the app and a hp for reconning the CL

[FinStar]

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@wilson382 wrote:

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@09Lexie wrote:
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

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Do you mean they will HP's twice if i recon? or You mean for the cc app they do a soft pull and for recon HP?

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As Lexie mentioned, they will HP a 2nd time.  First HP will not be used for a reconsideration as that is associated wit the original application.  No SPs, sorry.  Chose wisely.  You can also incur up to 3 HPs - if your profile is borderline or an alternate CR is required, your 1st app may incur 2 HPs.  Add the recon, 3rd HP.

[09Lexie]

@FinStar

Forgot about the possibility of being double pulled.

[wilson382]

WooW that is Sooo not Cool

[FinStar]

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@wilson382 wrote:

WooW that is Sooo not Cool

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Well, you're applying for credit... with Chase!  That's just the way things work with them.  Again, pick your battles.  Now, someone with excellent credit will get away with a very high CL and only one HP.  So weigh your options to determine if it's worth it in the end.

[FinStar]

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@09Lexie wrote:
@FinStar

Forgot about the possibility of being double pulled.

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Just like a "Daily Double" category from Jeopardy... only the answer will be... What is borderline approval Alex?  LOL 

[Swapmeet]

Take the limit that they give you, use the card, and ask for a cli in 6 months. They will take care of you--as long as your CRs are optimal when you apply.