topic Re: Chase Freedom Approved! in Credit Card Approvals

Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 20:03:28 GMT

I finally decided to app for the Freedom and was approved. I called the automated number and I got a $500 limit but I will recon for a higher limit since a few of my other cards haven't reported their new limits.

So now my portfolio looks like this:

1) Discover More

2) Citi Forward

3) Chase Freedom

4) Capital One Journey

All in all given the fact that I only started my credit card journey during January-February of this year I'm pretty satisifed!

EDIT: I contacted them once and they said it would be a 2nd hardpull whenever my other accounts post the new credit lines. I will contact the Ex. Department on Monday to see if they can do something better. If not, I will probably let my other cards grow for another 6 months, request a CLI from them and once they report a new limit...I'll allow Chase to pull and have them match it or compete by giving me a higher limit The good thing is that within 2-6 months the majority of my inquiries will be over 1 year with the exception of 3. Therfore, 1 Inquiriy from Chase and at worst an inquiry from Citi, Capital One, and Discover wouldn't damage my score too much.

Re: Chase Freedom Approved!

Tran92 — Sat, 08 Dec 2012 10:32:17 GMT

Congrats. What's your current score?

Re: Chase Freedom Approved!

chnceit — Sat, 08 Dec 2012 16:38:09 GMT

Congrats! Thats an awesome profile, now head to the garden and let them grow so you can get over the toy limit hump.

Re: Chase Freedom Approved!

kevinjjc — Sat, 08 Dec 2012 17:14:45 GMT

Congrats! Nice set of cards, except for Capital One.

Re: Chase Freedom Approved!

Imua — Sat, 08 Dec 2012 18:47:31 GMT

congrats on your chase freedom approval.. and just in time to take advantage of the upcoming 2013 1st quarter 5% gas rewards

Re: Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 19:35:36 GMT

@Tran92 wrote:
Congrats. What's your current score?

Thanks, last month my EQ FICO was 710.

Re: Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 19:43:54 GMT

@kevinjjc wrote:
Congrats! Nice set of cards, except for Capital One.

Thanks, I know what you mean about the horror stories from Capital One.

I have to admit...I like them. They were the first company to approve me when I had no credit. My limit was $300, went to $500 via credit steps, and last month I spoke with their executive department and I got a $500 increase. So my total credit line is $1,000 + 1% back on all purchases + 25% cash back bonus per month on the 1% cash back I earned for the month. So as you can see...they have treated me pretty good

Re: Chase Freedom Approved!

kevinjjc — Sat, 08 Dec 2012 19:54:58 GMT

@CC365 wrote:
@kevinjjc wrote:
Congrats! Nice set of cards, except for Capital One.
Thanks, I know what you mean about the horror stories from Capital One.

I have to admit...I like them. They were the first company to approve me when I had no credit. My limit was $300, went to $500 via credit steps, and last month I spoke with their executive department and I got a $500 increase. So my total credit line is $1,000 + 1% back on all purchases + 25% cash back bonus per month on the 1% cash back I earned for the month. So as you can see...they have treated me pretty good

I'm happy for your success thus far with Capital One. Now let's see if that 1k credit limit will grow with you as time goes on.

Re: Chase Freedom Approved!

AF_23 — Sat, 08 Dec 2012 20:35:24 GMT

Congrats, Chase is ridicolous some times, 500 CL @ 710 ? They will auto CLI whopping 200 in 6 months time likely.

Re: Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 20:50:43 GMT

@AF_23 wrote:
@Congrats, Chase is ridicolous some times, 500 CL @ 710 ? They will auto CLI whopping 200 in 6 months time likely.

I know! I was expecting around a $1,000 or more CL. I have a checking account with them for over 6 years (when I started high school it was a joint account), no negatives (lates, collections, etc) on any report, 710 EQ FICO, over $20,000 income, and the only reason for a $500 limit...only about a year of revolving history. The only reason I will keep it is that I have my account with them and I can link the card as Overdraft protection. Hopefully I will get it matched soon and if not within 6 months -1 year I'll request a CLI.

Re: Chase Freedom Approved!

kevinjjc — Sat, 08 Dec 2012 21:29:39 GMT

CC365, if you want higher limits, consider getting a GECRB Walmart card for their soft CLI's and free TU08 FICO credit score. Also get an AmEx for their soft 3x CLI's and backdating.

Re: Chase Freedom Approved!

Involus — Sat, 08 Dec 2012 21:30:48 GMT

Congrats on your approval - this is by far one of my favorite cards. Love it's look too.

Re: Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 23:51:53 GMT

@chnceit wrote:
Congrats! Thats an awesome profile, now head to the garden and let them grow so you can get over the toy limit hump.

Thanks!

Re: Chase Freedom Approved!

CreditWorld2013 — Sat, 08 Dec 2012 23:57:42 GMT

@kevinjjc wrote:
CC365, if you want higher limits, consider getting a GECRB Walmart card for their soft CLI's and free TU08 FICO credit score. Also get an AmEx for their soft 3x CLI's and backdating.

I always hear about the cards from Walmart but I never shop at Walmart

Re: Chase Freedom Approved!

kevinjjc — Sun, 09 Dec 2012 03:19:04 GMT

@CC365 wrote:
@kevinjjc wrote:
CC365, if you want higher limits, consider getting a GECRB Walmart card for their soft CLI's and free TU08 FICO credit score. Also get an AmEx for their soft 3x CLI's and backdating.
I always hear about the cards from Walmart but I never shop at Walmart

I don't really shop at Walmart either since there are none in NYC, closest Walmart is relatively nearby in Long Island, NY. Trust me, app for a Walmart credit card.

Re: Chase Freedom Approved!

Epcot — Sun, 09 Dec 2012 03:37:44 GMT

Congrats on the approval! When I applied for the Chase Disney visa last month I requested a CLI same day I got approved. They also told me it would be a second HP, but now one month later only one HP is on my reports.