topic Re: Chase Freedom Unlimited? in Credit Card Approvals

Chase Freedom Unlimited? - Approved

Anonymous — Sat, 07 Sep 2019 02:20:45 GMT

So I have 5/24 right now, but will be 4/24 in 2 weeks. I'm going on a trip and was interested in the $200 bonus right now. Think they would approve me or instant deny me to apply right now (need 1 week for the card and a few days after for the noise cancelling headphones I will purchase to come in for the trip)?

Re: Chase Freedom Unlimited?

Brian_Earl_Spilner — Sat, 07 Sep 2019 00:51:10 GMT

Computer should auto-decline you. Don't know if you can recon 5/24

Re: Chase Freedom Unlimited?

Aim_High — Sat, 07 Sep 2019 01:44:24 GMT

@Anonymous wrote:
So I have 5/24 right now, but will be 4/24 in 2 weeks. I'm going on a trip and was interested in the $200 bonus right now. Think they would approve me or instant deny me to apply right now (need 1 week for the card and a few days after for the noise cancelling headphones I will purchase to come in for the trip)?

From my understanding, Chase is pretty strict about 5/24. But the bigger question is if you really are 5/24. Some people don't add it up right. It's only revolving personal lines of credit (generally credit cards) that count against 5/24. Not mortgages, car loans, student loans, etc. ... all that doesn't count.

Re: Chase Freedom Unlimited?

Anonymous — Sat, 07 Sep 2019 01:57:37 GMT

So I know I was 5/24, with one line falling off in 2 weeks and another in one and a half months. I applied and got the card approved instantly. So maybe Chase has some wiggle room the month one is going to fall off.

Re: Chase Freedom Unlimited?

Remedios — Sat, 07 Sep 2019 02:02:20 GMT

@Anonymous You applied and were approved for freedom unlimited today?

Are we talking about the same card your question was about?

Re: Chase Freedom Unlimited?

Brian_Earl_Spilner — Sat, 07 Sep 2019 02:05:50 GMT

It's possible. They've approved when someone was over 5/24 before. There's also the possibility that you were pre-approved and just didn't know it. You'd have to already be banking with Chase or using their credit service. The real trick is making it past their review in a couple weeks. One member here had a card shut down months after the fact because they never should have been approved in the first place. It didnt matter that they were now qualified at the time of shut down.

Here's hoping that there is a window. It would make for a nice datapoint.

Re: Chase Freedom Unlimited?

Anonymous — Sat, 07 Sep 2019 02:38:42 GMT

@Brian_Earl_Spilner wrote:
It's possible. They've approved when someone was over 5/24 before. There's also the possibility that you were pre-approved and just didn't know it. You'd have to already be banking with Chase or using their credit service. The real trick is making it past their review in a couple weeks. One member here had a card shut down months after the fact because they never should have been approved in the first place. It didnt matter that they were now qualified at the time of shut down.

Here's hoping that there is a window. It would make for a nice datapoint.

Same card. And I don't bank with them. The preapprovals said nothing was approved. I put in the app today.

Re: Chase Freedom Unlimited?

HighAchiever — Sat, 07 Sep 2019 03:16:39 GMT

@Anonymous wrote:
So I know I was 5/24, with one line falling off in 2 weeks and another in one and a half months. I applied and got the card approved instantly. So maybe Chase has some wiggle room the month one is going to fall off.

Well, congratulations on your approval!!! What is your SL and what were your scores when you applied? 😊

Re: Chase Freedom Unlimited?

Anonymous — Sat, 07 Sep 2019 03:26:51 GMT

@HighAchiever wrote:
@Anonymous wrote:
So I know I was 5/24, with one line falling off in 2 weeks and another in one and a half months. I applied and got the card approved instantly. So maybe Chase has some wiggle room the month one is going to fall off.
Well, congratulations on your approval!!! What is your SL and what were your scores when you applied? 😊

My SL was 7,900. And I only know my scores were about 775 each give or take a couple points when I checked a week ago.

I took advantage and had my Freedom and Amazon increased to $8,400 each. Not bad for 1, maybe 2 hard pulls (not sure if CLI and apps are combined yet, but I know CLIs were combined last time I did it a year ago). I think I'm hitting the max combined limit Chase will give me with my current income.

Re: Chase Freedom Unlimited?

HighAchiever — Sat, 07 Sep 2019 04:42:02 GMT

@Anonymous wrote:
@HighAchiever wrote:
@Anonymous wrote:
So I know I was 5/24, with one line falling off in 2 weeks and another in one and a half months. I applied and got the card approved instantly. So maybe Chase has some wiggle room the month one is going to fall off.
Well, congratulations on your approval!!! What is your SL and what were your scores when you applied? 😊
My SL was 7,900. And I only know my scores were about 775 each give or take a couple points when I checked a week ago.

I took advantage and had my Freedom and Amazon increased to $8,400 each. Not bad for 1, maybe 2 hard pulls (not sure if CLI and apps are combined yet, but I know CLIs were combined last time I did it a year ago). I think I'm hitting the max combined limit Chase will give me with my current income.

That's awesome!!! Yeah, when I got my Disney and Freedom cards in May, they started both of mine at $7900 as well. 😎

Re: Chase Freedom Unlimited? - Approved

M_Smart007 — Sat, 07 Sep 2019 04:33:39 GMT

Congrats on your approval

Re: Chase Freedom Unlimited? - Approved

Anonymous — Sat, 07 Sep 2019 22:49:44 GMT

Congrats on your CFU approval!

Re: Chase Freedom Unlimited? - Approved

Meanmchine — Sat, 07 Sep 2019 23:26:44 GMT

Congrats !

Re: Chase Freedom Unlimited?

Anonymous — Sun, 08 Sep 2019 01:26:16 GMT

@Anonymous wrote:
@HighAchiever wrote:
@Anonymous wrote:
So I know I was 5/24, with one line falling off in 2 weeks and another in one and a half months. I applied and got the card approved instantly. So maybe Chase has some wiggle room the month one is going to fall off.
Well, congratulations on your approval!!! What is your SL and what were your scores when you applied? 😊
My SL was 7,900. And I only know my scores were about 775 each give or take a couple points when I checked a week ago.

I took advantage and had my Freedom and Amazon increased to $8,400 each. Not bad for 1, maybe 2 hard pulls (not sure if CLI and apps are combined yet, but I know CLIs were combined last time I did it a year ago). I think I'm hitting the max combined limit Chase will give me with my current income.

Actually, logged in today to check Chase Offers and the Freedom and Amazon were now at $9,800 each. Really happy I did it. Though it did cost 2 inquiries. I think Chase will combine 2 hard pulls for something at a time. Just mentioning as a DP.