Established Contributor
maiden_girl
Posts: 1,158
Registered: ‎12-29-2011
Re: Pulled the trigger early!

‎10-09-2012 09:45 AM

Dustink 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!!

Are you sure they gave you the promo APR?

 

I was just approved for $5k and they did not approve the promo apr.

 

=

Those were the terms I applied under. I don't think they can suddenly revoke those terms--for a good reason I suppose. You should call about your card and ask.

 

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
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Established Contributor
maiden_girl
Posts: 1,158
Registered: ‎12-29-2011
Re: Pulled the trigger early!

‎10-09-2012 02:11 PM

A thought just occurred to me!!

 

I wonder if I can...or should call Chase and ask them what bureau they pulled and what my current score is...lol has anyone ever done this before?

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
(411 Views)
 
Super Contributor
CS800
Posts: 6,116
Registered: ‎04-07-2008
Re: Pulled the trigger early!

‎10-09-2012 04:28 PM

Congrats !!

 

Good starting CL





(397 Views)
 
Established Contributor
maiden_girl
Posts: 1,158
Registered: ‎12-29-2011
Re: Pulled the trigger early!
[ Edited ]

‎10-15-2012 09:06 PM - edited ‎10-15-2012 09:08 PM

THANKS EVERYONE!!

 

***UPDATE

 

Received my FREEDOM card today! It's the VISA version. It's kind of dull but it has like a reflector coloring in the card. It's blue obviously.

 

I'm not quite certain if they use international scoring or not but when I opened up the packaging it had credit score 692 and under scoring it says "application score" with the scores going between 100 and 990..Apparently this is a EXP score. Anyway it's an awesome little card!

 

CASH ADVANCE $1.5k

CREDIT LINE $3k

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
(328 Views)
 
Valued Contributor
youngandcreditwrthy
Posts: 3,786
Registered: ‎08-16-2012
Re: Pulled the trigger early!

‎10-16-2012 07:59 AM

Awesome! I love my Freedom :-) Of course, I already racked up a small balance on it lol it was only good for the $100 bonus 5% cashback on gas/restaurants, and 0% apr! Lolll
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
(295 Views)
 
Regular Contributor
Tran92
Posts: 213
Registered: ‎09-25-2012
Re: Pulled the trigger early!

‎10-17-2012 01:28 PM

Is there a minimum income that is required and do they verify it via pay stubs? I plan on trying to app for a freedom in a year, but I only make about 10-15k annually.
TU 703 (1/13)
GOAL: 700+

As of Nov 2012







(236 Views)
 
New Contributor
bellrod44
Posts: 62
Registered: ‎12-05-2011
Re: Pulled the trigger early!

‎10-17-2012 01:43 PM

Does anyone know any sort of "guidlines" for the scores to approve you for a Freedom? I want to apply, but I don't think I'll be approved since I only have one credit card. I really want to get in with a good rewards program. I just upgraded to the BofA 1-2-3 Rewards, but would like another decent card.

Scores: Lender pulled 7/31/12
EQ - 662
TU - 684
EX - 676

Cards in my wallet: BofA 1-2-3 Rewards - $1,000 (5/2012), Walmart - $150 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
(230 Views)
 
Contributor
qtcbcute
Posts: 76
Registered: ‎06-28-2008
Re: Pulled the trigger early!

‎10-17-2012 01:48 PM

I also pulled the trigger early (last night) and got instantly approved for $3000 too! I'm so excited because I have been eyeing this card for a while. What surprised me the most is because I am a Chase customer with savings and checking accounts, the card was instantly added to my online accounts.  This is great for me.  Congratulations to you as well maiden_girl!

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!!

 


Starting Score: ?
Current Score: ?
Goal Score: 720

Take the myFICO Fitness Challenge
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Contributor
supersam101
Posts: 92
Registered: ‎06-16-2012
Re: Pulled the trigger early!

‎10-17-2012 01:54 PM

Congrats how old is your oldest credit card.

Discover IT Student $3k. Bankameri Cash Rewards Card $3k.
Chase freedom 2.5k
(216 Views)
 
Contributor
qtcbcute
Posts: 76
Registered: ‎06-28-2008
Re: Pulled the trigger early!

‎10-17-2012 01:56 PM

I have a secured card from a credit union from 2005.  I always said I was going to close it but never got around to it.  Maybe now I will...I think!


Starting Score: ?
Current Score: ?
Goal Score: 720

Take the myFICO Fitness Challenge
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