topic Re: Chase Freedom App in Credit Card Applications

Chase Freedom App

Anonymous — Wed, 09 Dec 2015 17:21:49 GMT

My dad applied for Chase Freedom last night, he received a 7-10 message on the app and then received an email stating 30 days. I had him call verification and they offered to transfer him to lending so he politely declined and ended the phone call. Is this a good sign? Thanks for any information available

Re: Chase Freedom App

ddemari — Wed, 09 Dec 2015 17:29:34 GMT

There are things to take into consideration; has he opened 5 or more credit cards in 24 months, what is his fico scores, clean reports, inquiries?

did he call the automated status line? its good he didnt talk to lending if any of the above is true but if he has 5 or more new cards in 24 months than its probably more than likey declined.

call the status and see if it says 2 weeks or 30 days. if it says 7 to 10 probably a denial.

Re: Chase Freedom App

Anonymous — Wed, 09 Dec 2015 17:39:16 GMT

He only has 3 credit cards in total so not worried about the 5/24 rule. His payment history is clean, he may have a medical collection on there but he has a Chase Slate and he is an AU for CSP, MRP and SWA if that could help. He also makes 6 figure income.

Re: Chase Freedom App

tntexans72 — Wed, 09 Dec 2015 17:45:46 GMT

Here's Chase auto app status....1.800.436.7927

i just apped for for a chase card and received the same status. Called auto line and it stated 2 weeks.

Good luck!

Re: Chase Freedom App

Anonymous — Wed, 09 Dec 2015 18:03:16 GMT

I applied last week, got the 7-10 day message, then the 30-day email. I called in a couple of days later, and they told me I was approved, but had to answer some brief verification questions. Card should be here today or tomorrow.

Re: Chase Freedom App

ddemari — Wed, 09 Dec 2015 18:38:50 GMT

Sounds like shouldn't have to worry about being teansferred to lending .

Re: Chase Freedom App

Anonymous — Thu, 10 Dec 2015 19:34:20 GMT

Automated line still says the same...will advise him to call verification in a day or two.

Re: Chase Freedom App

Anonymous — Thu, 10 Dec 2015 21:52:08 GMT

Had him call verification again, they offered to transfer to lending and he hung up, not denial or approved yet

Re: Chase Freedom App

12njoy — Fri, 11 Dec 2015 00:40:59 GMT

@Anonymous wrote:
Had him call verification again, they offered to transfer to lending and he hung up, not denial or approved yet

I would say continue waiting it out. IMO, if he talks to lending, expect a grilling. I too am waiting a 30 day decision. When I call one line it wants to transfer me automatically to lending. Not going to happen.

Re: Chase Freedom App

movinguptheladder — Sun, 31 Jan 2016 02:41:42 GMT

What happens if you are transferred to lending? Why is he avoiding speaking with lending?

Re: Chase Freedom App

OmarGB9 — Sun, 31 Jan 2016 02:57:56 GMT

Anecdotal evidence suggests that whenever you speak to lending, you get grilled and subsequently denied. Best to let the automated computer system do its thing and not get a set of human eyes on your app; especially if you've got several new accounts recently.