topic Re: Chase Freedom approval in Credit Card Approvals

Chase Freedom approval

Anonymous — Tue, 31 Mar 2015 21:57:26 GMT

I have been checking the pre-qual site on Chase for quite some time and finally today I received a "Congrats, you are pre qualified for the following cards" It listed the Chase Freedom and the Chase Slate. I was quite surprised and excited however I took my time and researched both cards on this site and, since I don't need a BT card I chose the Freedom. Well, I filled out the application and the dreaded 30 day message...I was shocked that I didn't get an instant as I have always read that the Chase pre-qual was near golden.

I did a litte more research, on this site of course, and found the credit analyst number, gave it a call, nice gal answered and said I needed to talk to a security analyst. I have never gotten that before so I was a little worried, however optimistic as she didn't flat out say no.

Security analyst came on and asked me quite a few questions so then I was excited again as I was thinking they are just verifying and I was a shoe-in!! Then he said following the quesions we will go over my credit report, then I was sad again as I thought "crap, they haven't even gotten to my report yet, hmmmph"

Then to my surprise, after answering credit report type questions like do you have a mortgage, who is it with, how much is your car payment etc. he said "congratulations, you have been approved with a $4500 limit!" I was very happy about that, obviously!

Man, what a roller coaster that phone call was, hahaa.

Anyways, I kind of feel like I have arrived the past year, with the help of this site and getting my credit back into shape. I feel very honored to have a Chase card, like REALLY honored - is that weird?

I was hovering around 540 - 580 a year ago with A LOT of baddies, and I mean A LOT! mostly small $50 to $75 medical collections, one charge off (HSBC from 5 years ago) which is still reporting monthly - I need to take care of that one.

My scores are currently (as of right now) 641 EX - 641 EQ and 666 TU 20+ or - inq's on almost all reports. $98,500 income

I was denied a secured Bank of America credit card just last month!

I think I am done for a while and will hit the garden with the quickness. If anyone is interested I will state my other cards / limits.

thanks everyone!

Re: Chase Freedom approval

uswala — Tue, 31 Mar 2015 21:58:21 GMT

@Anonymous wrote:
I have been checking the pre-qual site on Chase for quite some time and finally today I received a "Congrats, you are pre qualified for the following cards" It listed the Chase Freedom and the Chase Slate. I was quite surprised and excited however I took my time and researched both cards on this site and, since I don't need a BT card I chose the Freedom. Well, I filled out the application and the dreaded 30 day message...I was shocked that I didn't get an instant as I have always read that the Chase pre-qual was near golden.

I did a litte more research, on this site of course, and found the credit analyst number, gave it a call, nice gal answered and said I needed to talk to a security analyst. I have never gotten that before so I was a little worried, however optimistic as she didn't flat out say no.

Security analyst came on and asked me quite a few questions so then I was excited again as I was thinking they are just verifying and I was a shoe-in!! Then he said following the quesions we will go over my credit report, then I was sad again as I thought "crap, they haven't even gotten to my report yet, hmmmph"

Then to my surprise, after answering credit report type questions like do you have a mortgage, who is it with, how much is your car payment etc. he said "congratulations, you have been approved with a $4500 limit!" I was very happy about that, obviously!

Man, what a roller coaster that phone call was, hahaa.

Anyways, I kind of feel like I have arrived the past year, with the help of this site and getting my credit back into shape. I feel very honored to have a Chase card, like REALLY honored - is that weird?

I was hovering around 540 - 580 a year ago with A LOT of baddies, and I mean A LOT! mostly small $50 to $75 medical collections, one charge off (HSBC from 5 years ago) which is still reporting monthly - I need to take care of that one.

My scores are currently (as of right now) 641 EX - 641 EQ and 666 TU 20+ or - inq's on almost all reports. $98,500 income

I was denied a secured Bank of America credit card just last month!

I think I am done for a while and will hit the garden with the quickness. If anyone is interested I will state my other cards / limits.

thanks everyone!

Congrats on the approval!

Re: Chase Freedom approval

chalupaman — Tue, 31 Mar 2015 22:15:11 GMT

Good job!

Re: Chase Freedom approval

Anonymous — Tue, 31 Mar 2015 22:25:22 GMT

Congratulations!!!! I know what you mean -- I too was shocked when I got approved by Chase. It's a great feeling isn't it? It's a great card and don't forget to activate those bonus categories

Re: Chase Freedom approval

I-think-I-can — Tue, 31 Mar 2015 22:34:24 GMT

Well done! Congrats

Re: Chase Freedom approval

Anonymous — Tue, 31 Mar 2015 22:53:10 GMT

Congrats..

Re: Chase Freedom approval

gdale6 — Wed, 01 Apr 2015 00:03:13 GMT

Grats on your new Freedom card

Re: Chase Freedom approval

TURNERHOOVER — Wed, 01 Apr 2015 00:31:55 GMT

CONGRATS.

Re: Chase Freedom approval

CreditMagic7 — Wed, 01 Apr 2015 00:34:11 GMT

Welcome to Freedom!

Re: Chase Freedom approval

Anonymous — Wed, 01 Apr 2015 00:41:23 GMT

thanks guys, feels great!

the 15 mo. no interest is very nice - I am thinking this can be my new everyday card. I have been using my cap one quick silver for the 1.5% cash and paying it off every month, I also have a cash rewards at Navy Fed, although that is only 1% cash I believe.

Can I ask how you other Freedom holders use yours?

Re: Chase Freedom approval

MissMoni223 — Wed, 01 Apr 2015 16:41:26 GMT

CONGRATS & WELCOME to the Freedom family!!!

Re: Chase Freedom approval

Anonymous — Sun, 05 Apr 2015 14:15:59 GMT

Congratulations, and thanks for sharing.

Re: Chase Freedom approval

Anonymous — Sun, 05 Apr 2015 15:44:19 GMT

I make sure to use max out whatever catergory for the quarter. 1st quarter was grocery stores, this quarter the 5% is dining. Great card.

A fine companion to the Freedom is the Chase AARP card which offers 3% dining and gas year round. For next the few months I'll use the 5% Freedom and restaraunts, and not the the AARP. I eat out a lot and ride alot so I really like the AARP card.

Re: Chase Freedom approval

Anonymous — Sun, 05 Apr 2015 16:09:51 GMT

I also use mine for the bonus categories. I will use this over my discover this quarter because I have more points on it from last quarter. I also have a lower credit line on this card and it keeps me from having a balance on it.

Re: Chase Freedom approval

sparklerd34 — Fri, 10 Apr 2015 23:27:12 GMT

@Anonymous wrote:
I have been checking the pre-qual site on Chase for quite some time and finally today I received a "Congrats, you are pre qualified for the following cards" It listed the Chase Freedom and the Chase Slate. I was quite surprised and excited however I took my time and researched both cards on this site and, since I don't need a BT card I chose the Freedom. Well, I filled out the application and the dreaded 30 day message...I was shocked that I didn't get an instant as I have always read that the Chase pre-qual was near golden.

I did a litte more research, on this site of course, and found the credit analyst number, gave it a call, nice gal answered and said I needed to talk to a security analyst. I have never gotten that before so I was a little worried, however optimistic as she didn't flat out say no.

Security analyst came on and asked me quite a few questions so then I was excited again as I was thinking they are just verifying and I was a shoe-in!! Then he said following the quesions we will go over my credit report, then I was sad again as I thought "crap, they haven't even gotten to my report yet, hmmmph"

Then to my surprise, after answering credit report type questions like do you have a mortgage, who is it with, how much is your car payment etc. he said "congratulations, you have been approved with a $4500 limit!" I was very happy about that, obviously!

Man, what a roller coaster that phone call was, hahaa.

Anyways, I kind of feel like I have arrived the past year, with the help of this site and getting my credit back into shape. I feel very honored to have a Chase card, like REALLY honored - is that weird?

I was hovering around 540 - 580 a year ago with A LOT of baddies, and I mean A LOT! mostly small $50 to $75 medical collections, one charge off (HSBC from 5 years ago) which is still reporting monthly - I need to take care of that one.

My scores are currently (as of right now) 641 EX - 641 EQ and 666 TU 20+ or - inq's on almost all reports. $98,500 income

I was denied a secured Bank of America credit card just last month!

I think I am done for a while and will hit the garden with the quickness. If anyone is interested I will state my other cards / limits.

thanks everyone!

Congratulations!! That is my next card I am shooting for I am currently around the 580-595 area and i have 13 collections and 11 are medical that i am currently working on. I have 2 pendng to drop as i paid them. I am hoping to have some good news as you do in the future. I stop trying for Bank of America. my goal is to work on 1 collection at least every 2 months since some of mine are 50-170. I just have one that is 4500.00 that may be the last one there.

Re: Chase Freedom approval

Anonymous — Sat, 11 Apr 2015 00:21:31 GMT

Congratulations on your journey!

Re: Chase Freedom approval

Anonymous — Sat, 11 Apr 2015 01:17:48 GMT

Congrats!