topic Re: Left garden early... not worth it! in Credit Card Applications

Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 05:15:33 GMT

I decided to go ahead and pull the trigger on the Chase Freedom. Got the 7-10 day message. I did have to put a fraud alert on my reports due to the Anthem hack. I really hope this doesn't get me denied. I have no baddies, my most current scores are in my sig. I have 2 inquiries each on EQ and EX, but 0 on TU. I got a little too gutsy, I think. I had been planning to stay in the garden, but part of me wanted to have the card sooner to do a little less damage to the AAOA. I feel like a fool right now.

Re: Left garden early... not worth it!

Anonymous — Fri, 20 Feb 2015 05:16:51 GMT

@Firefly_1984 wrote:
I decided to go ahead and pull the trigger on the Chase Freedom. Got the 7-10 day message. I did have to put a fraud alert on my reports due to the Anthem hack. I really hope this doesn't get me denied. I have no baddies, my most current scores are in my sig. I have 2 inquiries each on EQ and EX, but 0 on TU. I got a little too gutsy, I think. I had been planning to stay in the garden, but part of me wanted to have the card sooner to do a little less damage to the AAOA. I feel like a fool right now.

Call recon in the morning.

Re: Left garden early... not worth it!

Anonymous — Fri, 20 Feb 2015 05:34:21 GMT

you should be ok, when i got my freedom i had a collection showing.

Re: Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 05:35:12 GMT

Will do. I should also add that my current util is no more than 5% at the moment. Income is 30K. I guess I might be borderline.... still frustrated, though.

Re: Left garden early... not worth it!

Anonymous — Fri, 20 Feb 2015 05:45:11 GMT

@Firefly_1984 wrote:
Will do. I should also add that my current util is no more than 5% at the moment. Income is 30K. I guess I might be borderline.... still frustrated, though.

sorry to hear that man, thats how i felt when freedom denied me due to a short credit history! so i jus closed all chase accounts! and felt better!

Re: Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 06:29:21 GMT

Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )

Re: Left garden early... not worth it!

Jerry45 — Fri, 20 Feb 2015 12:25:55 GMT

With a AMEX and Citi card, I am sure you will be approved for the Freedom.

Re: Left garden early... not worth it!

msbia — Fri, 20 Feb 2015 12:33:47 GMT

@Firefly_1984 wrote:
Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )

Credit Karma is not to be relied upon. What shows here is what's real. You should be fine!

Re: Left garden early... not worth it!

EW800 — Fri, 20 Feb 2015 15:30:11 GMT

With your very good scores and very low Util, I would think that you would be fine. Looking forward to hearing the outcome!

Re: Left garden early... not worth it!

Creditaddict — Fri, 20 Feb 2015 15:52:44 GMT

I don't know why you are surprised you got the 7-10 message... you have a fraud alert... the whole point of that is you can't get instant credit.

Did you call this morning, your app is probably sitting in security verification and you answer some questions and they will issue you approval and limit instantly.

call the backdoor number

Re: Left garden early... not worth it!

9CLINE — Fri, 20 Feb 2015 16:26:58 GMT

I had a collection on mine and lower scores when I got mine...
I believe you'll be okay, after you call and verify yourself,,
with scores and cards,limits... I think approval.....

Re: Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 22:19:19 GMT

I tried calling, but its too soon. Chalk it up to a lesson learned. I was trying to play it safe because of my personal info being taken. At least the system has proven to work as it should. I will try again on Monday.

Re: Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 22:31:05 GMT

I can honestly say, even with all the lurking and reading I've done to get where I am now, I still have a lot to learn, obviously. Trial and error is one way to learn. Ha! These forums are the reason I was able to succeed with AMEX. thank you.

Re: Left garden early... not worth it!

Creditaddict — Fri, 20 Feb 2015 22:34:03 GMT

@Firefly_1984 wrote:
I tried calling, but its too soon. Chalk it up to a lesson learned. I was trying to play it safe because of my personal info being taken. At least the system has proven to work as it should. I will try again on Monday.

what do you mean to early?

what line did you call and what did they say?

Re: Left garden early... not worth it!

Firefly_1984 — Fri, 20 Feb 2015 22:40:53 GMT

I called the backdoor number. I was told it was still pending and to give it more time. I am not the most confident person on the phone, so that was the end of that conversation. trying to figure out what to do next.

Re: Left garden early... not worth it!

SMDLiquid — Fri, 20 Feb 2015 22:54:24 GMT

@Firefly_1984 wrote:
Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )

If you pull your credit report from here it will only show you hard inquiries from the last 12 months. Hard inquiries stay on your credit report for 2 years

Re: Left garden early... not worth it!

Creditaddict — Fri, 20 Feb 2015 22:57:30 GMT

@SMDLiquid wrote:
@Firefly_1984 wrote:
Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )
If you pull your credit report from here it will only show you hard inquiries from the last 12 months. Hard inquiries stay on your credit report for 2 years

but banks count them for 12 months.

Re: Left garden early... not worth it!

Firefly_1984 — Sun, 22 Feb 2015 04:05:56 GMT

While waiting for Monday to come around, I have some thoughts. Is it possible my recent Amex could be scaring Chase off? I was approved on Nov. 16th. I'm really starting to feel I screwed up. And took two 7 point hits on Equifax and Experian. I know the fraud alert could still be THE reason, but I'm honestly very concerned that this will end up in a denial. And like I said, I do not have the confidence to handle dealing with this on the phone. I'm seriously considering walking away.

Re: Left garden early... not worth it!

Creditaddict — Sun, 22 Feb 2015 04:19:06 GMT

If you can't deal with this on the phone than you should not apply for credit before removing fraud alerts... That like 95% forces you to talk to them.

Re: Left garden early... not worth it!

TURNERHOOVER — Sun, 22 Feb 2015 05:30:15 GMT

@Firefly_1984 wrote:
I decided to go ahead and pull the trigger on the Chase Freedom. Got the 7-10 day message. I did have to put a fraud alert on my reports due to the Anthem hack. I really hope this doesn't get me denied. I have no baddies, my most current scores are in my sig. I have 2 inquiries each on EQ and EX, but 0 on TU. I got a little too gutsy, I think. I had been planning to stay in the garden, but part of me wanted to have the card sooner to do a little less damage to the AAOA. I feel like a fool right now.

I would not sweat it. Hardly any INQs you're definitely in.