topic Re: Apply for the Freedom or something else? in Credit Card Approvals

Apply for the Freedom or something else?

Josh611 — Sun, 14 Dec 2014 18:23:15 GMT

How is chase with initial CLs? My AMEX has 10k and I would like to get something close to that.

My my scores are as follows: EQ 734 TU 732 EX 729

I just got my amex 3 months ago so that is the most recent activity on my report. I do have another student loan coming later this month so that's why I want to get it now rather than later.

income is only 13k- full time college student

Like the $200 bonus as well as some of the rotating categories coming up. Mainly looking for a card I can use when I can't use my AMEX.

Re: Apply for the Freedom or something else?

CreditCuriosity — Sun, 14 Dec 2014 18:27:10 GMT

Witth that income I highly doubt you will get 10k, maybe 5k? No one knows, let the dice roll

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 18:35:57 GMT

That's a really generous limit from Amex . I doubt chase gives you that much knowing that you already have high available credit compared to your income . Give it a shot , everything is possible .

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 18:41:36 GMT

I predict a $6000 limit.

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 18:44:18 GMT

I'm gonna say 3500

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 18:50:47 GMT

Not to discourage you but since you already have that much credit line from AMEX i doubt chase will match it unless you have high enough income and long standing history with chase (banking) etc. Hope this help and good luck! plz lets us know what you get so other can benefit from the info.

Thanks for sharing!

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 18:54:34 GMT

Oops i meant $600.

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 19:01:23 GMT

@Anonymous wrote:
Oops i meant $600.

thats more like it lol

Re: Apply for the Freedom or something else?

Josh611 — Sun, 14 Dec 2014 19:02:08 GMT

Realistically I don't expect $10k from chase. I was shocked to get that from AMEX lol. Going to go ahead and apply for it and see what happens. Figure now is a better time than any with the $200 bonus. Will update here with my results!

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 19:06:07 GMT

Hey good luck!

Re: Apply for the Freedom or something else?

CreditCuriosity — Sun, 14 Dec 2014 19:10:27 GMT

Guessing 3000k-5k limit.. Good luck as well.. 200 free money and easy spend to get it. Plus a decent card for dining, gas, groceries depending on the months. Let us know the limit!

Re: Apply for the Freedom or something else?

Josh611 — Sun, 14 Dec 2014 19:12:21 GMT

$2500, Bummer
Didn't expect $10k but wanted more than that
Have more than double that in the account I have with chase. Assuming asking for a higher initial limit when calling would result in another hard pull?

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 19:18:58 GMT

Congrants $2500 is a good starter line. You can try but i would wait then go for CSP in few months. I doubt it will be another HP since they already did. lets us know what happen, if u do decide to call them!

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 19:21:15 GMT

Yes it's a hard pull . They don't do SP CLI unless it an auto increase.

Re: Apply for the Freedom or something else?

Imperfectfuture — Sun, 14 Dec 2014 19:23:40 GMT

Additional congrats. That is really good for chase and your income plus student status, I personally would take that, and not mess with it. They usually start at 500 to 600 in your situation, you did good.

Re: Apply for the Freedom or something else?

CreditCuriosity — Sun, 14 Dec 2014 19:31:53 GMT

@Anonymous wrote:
Congrants $2500 is a good starter line. You can try but i would wait then go for CSP in few months. I doubt it will be another HP since they already did. lets us know what happen, if u do decide to call them!

+1 go for CSP in a few months and transfer limit if needed. A CLI increase would be an additional HP, mise well get another card with guranteed 5k limit

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 19:45:52 GMT

So much for my predictions.....

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 20:41:02 GMT

EDIT: Didn't see your approval before writing the post below but congrats! That's prime dude.

I'm an obvious outlier, but I was approved for the Freedom when I was 18 with no income or credit for a mere $200 limit. I make $80,000 a year now and asked for a CLI and now it's at an outstanding $400. Sorry, I just need to share that to show that I don't hate Chase or the Freedom card (okay maybe a little) when I say in MY experience, Chase has not been generous at all so I doubt you'd get a $10,000 limit. I think you can realistically get anything between $1,000 to $5,000.

Re: Apply for the Freedom or something else?

Imperfectfuture — Sun, 14 Dec 2014 20:40:05 GMT

@Anonymous wrote:
So much for my predictions.....

LOL, you would be right in most cases.

Re: Apply for the Freedom or something else?

Anonymous — Sun, 14 Dec 2014 21:11:55 GMT

Well considering I only got approved for $1,500 with a much thicker file and a stated income of $78,000 (HHI is 110K) I guess so..lol