topic Re: Freedom Unlimited UPDATE in Credit Card Applications

Freedom Unlimited

IncrsCreditScore1 — Thu, 23 Jun 2016 19:32:50 GMT

Well darn. I sent a secure message to product change one of my Chase card to the Freedom Unlimited and they would not process a product change. Told me "you may obtain a Chase Freedom Unlimited card by filling out a new application...." In my opinion, this message was saying it would be automatically approved. However, I received a message that the application will have to be reviewed and that can take 7-10 days. Very disappointed. Now am concerned that they will do a hard pull, which I wanted to avoid. What a fool I was.

Re: Freedom Unlimited

ddemari — Thu, 23 Jun 2016 19:36:33 GMT

Looking from your signature, you cant PC co-branded cards like AARP. I dont have any experience with business credit cards, but i assume the same goes for them too. You can only ask chase to PC a Freedom, CS, CSP or Slate to another in house card.

That message basically said apply for the card and see what happens. I have several chase credit cards and I always receive a pending message. Did you call the status line to see if you got the 2 week, 30 day or 7 to 10 day message from the robo lady?

Re: Freedom Unlimited

Anonymous — Thu, 23 Jun 2016 19:38:44 GMT

I agree to call the status line and see what it says. The 2 week message on the status line is usually an approval.

Re: Freedom Unlimited

ddemari — Thu, 23 Jun 2016 19:40:46 GMT

the 2 week message has never let me down! here is the number

888-338-2586

Re: Freedom Unlimited

IncrsCreditScore1 — Thu, 23 Jun 2016 20:15:03 GMT

@ddemari wrote:
Looking from your signature, you cant PC co-branded cards like AARP. I dont have any experience with business credit cards, but i assume the same goes for them too. You can only ask chase to PC a Freedom, CS, CSP or Slate to another in house card.

That message basically said apply for the card and see what happens. I have several chase credit cards and I always receive a pending message. Did you call the status line to see if you got the 2 week, 30 day or 7 to 10 day message from the robo lady?

Yeah, I think I misunderstood what another myFICO forum member said. My bad. But I willl call the number you provided below. Thanks you, ddemari.

Re: Freedom Unlimited

ddemari — Thu, 23 Jun 2016 20:43:48 GMT

good luck! let us know the outcome.

Re: Freedom Unlimited

Anonymous — Thu, 23 Jun 2016 21:31:23 GMT

Good luck. That card is my daily driver.

Re: Freedom Unlimited

RonM21 — Thu, 23 Jun 2016 21:52:11 GMT

Best of luck to ya!

Re: Freedom Unlimited

Anonymous — Fri, 24 Jun 2016 14:03:20 GMT

@IncrsCreditScore wrote:
Yeah, I think I misunderstood what another myFICO forum member said. My bad. But I willl call the number you provided below. Thanks you, ddemari.

So, how did it go?

Re: Freedom Unlimited

kdm31091 — Fri, 24 Jun 2016 15:01:38 GMT

The secure message was simply inviting you to apply, not saying it would be approved. Without pulling your credit, they'd have no way to tell you whether you would be approved or not.

Hope it works out though!

Re: Freedom Unlimited UPDATE

IncrsCreditScore1 — Mon, 27 Jun 2016 20:16:49 GMT

Received a message that my application for the Freedom Unlimited was denied and that a letter would be forwarded explaining why. My scores with all 3 CBs are over 800, no baddies - just wondering what their reason for denial could possibly be. I was quite surprised. Will have to wait for the letter; hope they send it fast.

I have been in the garden, but if they did a hard pull, will have to go back to a seedling. Now wishing I had not applied.

Re: Freedom Unlimited UPDATE

driftless — Mon, 27 Jun 2016 20:22:03 GMT

I am really surprised that you were denied since already have Ink. I would also be interested in knowing the reason for your denial.

I am beginning to think that you need a pre-qualified before you app for a Chase product.

Re: Freedom Unlimited UPDATE

IncrsCreditScore1 — Mon, 27 Jun 2016 22:35:50 GMT

I will let y'all no what the letter says. I am very curious.

Re: Freedom Unlimited UPDATE

Anonymous — Mon, 27 Jun 2016 22:45:39 GMT

@IncrsCreditScore wrote:
I will let y'all no what the letter says. I am very curious.

Have you added 5 or more cards in the last 2 years?

Re: Freedom Unlimited UPDATE

IncrsCreditScore1 — Mon, 27 Jun 2016 23:30:41 GMT

@Anonymous wrote:
@IncrsCreditScore wrote:
I will let y'all no what the letter says. I am very curious.
Have you added 5 or more cards in the last 2 years?

You know, Irish, that may be it. I hadn't even thought of that. I started to credit repair and rebuilding a little over two years ago. I will have to check my spreadsheet.

Re: Freedom Unlimited UPDATE

driftless — Mon, 27 Jun 2016 23:52:45 GMT

Ahhh, 5/24, how could I have forgotten about that!

Re: Freedom Unlimited

Anonymous — Tue, 28 Jun 2016 14:56:40 GMT

It appears obvious what the letter is you will receive;but please update;what it says.

Re: Freedom Unlimited

IncrsCreditScore1 — Tue, 28 Jun 2016 19:20:23 GMT

You called it, Irish. Granddaughter brought in mail shortly after I responded to your message. The Chase letter was in the mail. It stated: Too many credit cards opened in the last 2 years. Checked my spreadsheet and it verified that I have opened 6 new credit cards since February 2015. Wish I had remembered to check that before I applied. Seemed to be not clearly thinking about the whole thing. So cannot apply for a Chase card for quite some time.

Re: Freedom Unlimited

Anonymous — Sun, 03 Jul 2016 07:51:58 GMT

Thats a bummer. I wonder if I too will receive a denial. I applied online and was hoping for an instant approval. I opened 4 new cards in the last two years. Two of which are Chase. We just bought a new home and I was hoping to take advantage of the 0% Interest offer to make su=ome purchases for our new home. I received a 30 day notice. Is that often a denial or leaning toward approval? Fico is just under 700 for all.

Re: Freedom Unlimited

IncrsCreditScore1 — Sun, 03 Jul 2016 19:05:41 GMT

You will more than likely be okay. But, I guess, with Chase you never know. Let us know what happens.