topic Re: Chase Freedom Card Application in Credit Card Applications

Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 03:01:15 GMT

Hi all! This is probably my first time to post in here. I applied online for the Chase Freedom Card for the obvious reason of rolling over the balances on my 2 other credit cards. I got the 7-10 business days message. I was thinking if this is a denial or they really need to review my credit. I don't have any negatives on my file coz I am kinda new on this credit thing. According to my Fico score from my Barclays Card Fico Score I have a 678. The only problem is that I had maybe 20 inquiries in the last 6mos or so. Domyou guys think I need to call the recon? What do you think are my chances that I will be approved when I call them? Thanks in advance to all those who will reply.

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 03:05:33 GMT

@Anonymous wrote:
Hi all! This is probably my first time to post in here. I applied online for the Chase Freedom Card for the obvious reason of rolling over the balances on my 2 other credit cards. I got the 7-10 business days message. I was thinking if this is a denial or they really need to review my credit. I don't have any negatives on my file coz I am kinda new on this credit thing. According to my Fico score from my Barclays Card Fico Score I have a 678. The only problem is that I had maybe 20 inquiries in the last 6mos or so. Domyou guys think I need to call the recon? What do you think are my chances that I will be approved when I call them? Thanks in advance to all those who will reply.

IF they pulled TU, Your score will pass the test, that many inquiries though will hurt it, badly.

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 03:13:42 GMT

Do you think I need to call recon? Or just wait?..

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 03:14:18 GMT

@Anonymous wrote:
Do you think I need to call recon? Or just wait?..

Call recon.

Re: Chase Freedom Card Application

uswala — Sun, 04 Jan 2015 03:19:15 GMT

@Anonymous wrote:
@Anonymous wrote:
Do you think I need to call recon? Or just wait?..
Call recon.

IMO calling never hurts.

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 03:39:00 GMT

Definitely recon since you took the inquiry. It never hurts to try.

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 04:37:12 GMT

Will definitely call them on Monday. Thanks all. Hope everything turns out good. (fingers cross)

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 04:39:53 GMT

I was approved through recon and mine was for a balance transfer, as well. At the time that I applied, my score was close to yours but with fewer inquires. You already had the hard pull, use the backdoor numbers on myfico and give them a call to discuss your application further. I think one of the reasons that they held my application was because I was just approved for a Chase Amazon within a day or two of that application. Something to keep in mind.

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 05:14:00 GMT

That's one of the reason too why I want to ask some opinions from here on whether I will call recon or not, I was just approved for the Barclays card 15 days ago and just made a purchase for an iPod touch as a gift for my 9year old. Do you think they will take it against my application?

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 21:34:59 GMT

Thank you all for the suggestions. I called the chase backdoor number a while ago and verify my information. The kind lady says that I have mistakenly put a wrong social that's why they put it in verification. After a few minutes the lady says "Welcome to chase and you've been approved with a $1200 cl". It's like I have been given a Christmas present in January. Thanks all!!

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 23:34:16 GMT

CONGRATS! That's fantasatic! So glad you called!!!

Re: Chase Freedom Card Application

Anonymous — Sun, 04 Jan 2015 23:34:27 GMT

Congrats on your approval!

Re: Chase Freedom Card Application

Anonymous — Mon, 05 Jan 2015 01:22:19 GMT

@Anonymous wrote:
Thank you all for the suggestions. I called the chase backdoor number a while ago and verify my information. The kind lady says that I have mistakenly put a wrong social that's why they put it in verification. After a few minutes the lady says "Welcome to chase and you've been approved with a $1200 cl". It's like I have been given a Christmas present in January. Thanks all!!

Maybe they didn't pull TU after all!

$1,200 isn't that bad...There is a member who had a $200 Freedom.

Re: Chase Freedom Card Application

Anonymous — Mon, 05 Jan 2015 01:56:24 GMT

Congratulations.

Re: Chase Freedom Card Application

Anonymous — Mon, 05 Jan 2015 04:59:16 GMT

It's not really bad after all. I'm kinda building my credit as of the moment and any credit limit will be a great help for me in bringing down my utilization. Thanks all. Maybe this will be the last app for now. Will just garden until April maybe. I'm looking for a 700ish score in preparation for my venture to get a house by next year. Meanwhile I will just keep on reading here from all you folks.