Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
Pulled the trigger early!
[ Edited ]

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!!

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)






Established Contributor
Posts: 869
Registered: ‎07-04-2012
Re: Pulled the trigger early!

Congrats!! That's very nice to hear. I'm very happy for you Smiley Very Happy

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
Re: Pulled the trigger early!

Thank you!!!! I'm surprised they approved me! I've applied to Chase a few times in the past and have always been denied for not enough reporting tradelines *frown*..Guess I have more than enough now! LMAO!

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)






Regular Contributor
Posts: 148
Registered: ‎09-26-2011
Re: Pulled the trigger early!
[ Edited ]

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!!


What was your utl. at time of app? I am thinking of apping for this card but little scare.

 

EDIT: Opsy, forgot to congrat. Good job.

 

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
Re: Pulled the trigger early!

kwazziee wrote:

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!!


What was your utl. at time of app? I am thinking of apping for this card but little scare.

 

EDIT: Opsy, forgot to congrat. Good job.

 


Thankiess!!

 

My overall UTIL is 24% Smiley Very 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)






Established Contributor
Posts: 869
Registered: ‎07-04-2012
Re: Pulled the trigger early!

lol you surely do haha show 'em how it's done :}

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 148
Registered: ‎09-26-2011
Re: Pulled the trigger early!

I am surprise at 24% and approved. So this mean each CCC has their own internal scoring system. From what other have psoted high utl means denied. Enjoy your card. Me so jealousSmiley Tongue

Frequent Contributor
Posts: 297
Registered: ‎08-28-2012
Re: Pulled the trigger early!

Congrats!  I was going to wait to get my UTIL down too before applying for the Discover More, but I pulled the trigger early too and also got approved.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: EX 802 Last App: November 2012
Regular Contributor
Posts: 217
Registered: ‎09-25-2012
Re: Pulled the trigger early!
Congrats what was your credit score when you got approved ?
TU 746 (10/13)
GOAL: 750+






Regular Contributor
Posts: 211
Registered: ‎08-23-2012
Re: Pulled the trigger early!

woohooo!!!! Congrats!!!