topic Re: Chase Freedom Unlimited: APPROVED in Credit Card Approvals

Chase Freedom Unlimited: APPROVED

snapcat — Thu, 18 Jul 2024 10:22:52 GMT

I had heard that the welcome offer was ending soon, so I tip-toed out of the garden and completed the application online. This is my first credit card application since my husband passed away in February. I've paid my debt quite a bit and am now at 32% UTI. It will be below 30% by the end of July. I didn't want to take the chance of missing the extra 1.5%. I have a Chase Amazon Prime card with a $5500 limit. I have no other relationship with Chase. Now, the stats & DP:

SL: $5600

Pulled Transunion, that surprised me. I am in KY (EDIT: The EX HP came about an hour later, so it was a double HP. I was expecting EX)

Scores: EQ 708, TU 711, EX 709

I am 1/24, so I'm well within the 5/24 rule.

Inquiries, 4 total on TU, one in the past year. 3 total on EX, zero in the past year.

I am happy with the CL, but I have learned enough here to ask for more. When the card arrives I'll call and ask for a higher limit, they will connect me with recon, and I will give it a shot. I don't think that I've got anything to lose. Or do I?

My plan is to app for the Chase Sapphire Preferred later this year so that I can move those points over. But I want to wait until my score is closer to 750 to maximize my SL.

As recently as January my scores were down to the 620's. To be over 700 now blows my mind. I have a long memory on which cards have been the nicest to me. And while Chase has never given me a CLI on the Amazon Prime card, and I've come close to my limit, I paid it off 3 months ago and have PIF since then. I will continue that. But both Citi & Wells Fargo balance chased me for a while late last year and earlier this year. They stopped, but that really hurt my score. Discover & Synch PayPal Mastercard both increased my limit. Both AmEx & CapOne declined my CLI even though I paid them off. I haven't asked PNC yet. I think it's best to garden until it's time for the Chase Sapphire Reserve. If anyone has any advice I'd love to hear it. I haven't posted much because I haven't had much news - except bad news. But for today, at least, Chase is my hero! Thank you all for all of the wisdom I've gained over the years. I am grateful.

Re: Chase Freedom Unlimited: APPROVED

keekers — Thu, 18 Jul 2024 00:29:14 GMT

Congrats.

Re: Chase Freedom Unlimited: APPROVED

MissLiz — Thu, 18 Jul 2024 00:46:52 GMT

Thank you for all of the DP's and congratulations on your approval!

Re: Chase Freedom Unlimited: APPROVED

RebelRocket — Thu, 18 Jul 2024 01:49:04 GMT

So sorry to hear of the recent hardships in your life, but congratulations on your approval, and best of luck to you for when you circle back around to apply for the Chase Sapphire Preferred.

Re: Chase Freedom Unlimited: APPROVED

JoeRockhead — Thu, 18 Jul 2024 02:11:13 GMT

Nice SL, congratulations on your approval!

Re: Chase Freedom Unlimited: APPROVED

nytokyobred79 — Thu, 18 Jul 2024 15:18:07 GMT

Congrats on your CFU. Good luck with your CSR app down the line.

Re: Chase Freedom Unlimited: APPROVED

cashorcharge — Thu, 18 Jul 2024 23:55:47 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Chase Freedom Unlimited: APPROVED

NoMoreDebt — Fri, 19 Jul 2024 10:01:19 GMT

Congrats

Re: Chase Freedom Unlimited: APPROVED

CreditAggie — Thu, 08 Aug 2024 01:57:11 GMT

Congratulations on your CFU approval!