topic Re: Chase Freedom/Slate APR tiers in Credit Cards

Chase Freedom/Slate APR tiers

Anonymous — Fri, 30 Jan 2015 20:11:52 GMT

What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.

Re: Chase Freedom/Slate APR tiers

Anonymous — Fri, 30 Jan 2015 20:14:18 GMT

@Anonymous wrote:
What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.

Chase has their own internal scoring system, but for pre-approvals, More than likely anything 760+ qualifies for the lowest tier.

Re: Chase Freedom/Slate APR tiers

Imperfectfuture — Fri, 30 Jan 2015 20:51:42 GMT

@Anonymous wrote:
@Anonymous wrote:
What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.
Chase has their own internal scoring system, but for pre-approvals, More than likely anything 760+ qualifies for the lowest tier.

I also pre qualed for freedom at 18.99, but that is because of so many new accounts. Rumor has it, check the pre qual (which may never change, unless they send you a different mail offer), then cold app (different browser?) and likely get better apr. Unless you have like the lowest tier offer.

Re: Chase Freedom/Slate APR tiers

Involver — Fri, 30 Jan 2015 20:53:09 GMT

When I was approved for a Freedom with a 664 I got 22.99.

Now all of my pre-approvals are at 12.99%. My standard 08 FICOs range from 775 - 802.

Re: Chase Freedom/Slate APR tiers

Imperfectfuture — Fri, 30 Jan 2015 20:56:50 GMT

@Involver wrote:
When I was approved for a Freedom with a 664 I got 22.99.

Now all of my pre-approvals are at 12.99%. My standard 08 FICOs range from 775 - 802.

This. Goal score for the best rates!!

Re: Chase Freedom/Slate APR tiers

Anonymous — Sat, 31 Jan 2015 01:40:03 GMT

@Imperfectfuture wrote:
@Anonymous wrote:
@Anonymous wrote:
What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.
Chase has their own internal scoring system, but for pre-approvals, More than likely anything 760+ qualifies for the lowest tier.
I also pre qualed for freedom at 18.99, but that is because of so many new accounts. Rumor has it, check the pre qual (which may never change, unless they send you a different mail offer), then cold app (different browser?) and likely get better apr. Unless you have like the lowest tier offer.

Good to know.

Re: Chase Freedom/Slate APR tiers

elim — Sat, 31 Jan 2015 02:00:49 GMT

@Anonymous wrote:
@Imperfectfuture wrote:
@Anonymous wrote:
@Anonymous wrote:
What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.
Chase has their own internal scoring system, but for pre-approvals, More than likely anything 760+ qualifies for the lowest tier.
I also pre qualed for freedom at 18.99, but that is because of so many new accounts. Rumor has it, check the pre qual (which may never change, unless they send you a different mail offer), then cold app (different browser?) and likely get better apr. Unless you have like the lowest tier offer.
Good to know.

mine recently went from 18.99 to 20.99 after some new accounts hit my reports. (EX-684 TU-712)

Re: Chase Freedom/Slate APR tiers

JagerBombs89 — Sat, 31 Jan 2015 07:11:41 GMT

@Anonymous wrote:
What credit score does it take to get the best APR for these cards?

Once my credit score jumped over 700, I moved up (down?) to the middle APR from the highest APR on my pre-qualification offer. Now I'm curious what it would take to qualify for the lowest APR.

@Got approved for the Chase Freedom @ 13.99% APR (best) just two weeks ago. Score is approximately 720 with a recent 30 day late reporting when I applied. However, I have also held a Chase card for 6 years prior to application for the Freedom.

Re: Chase Freedom/Slate APR tiers

Anonymous — Sat, 31 Jan 2015 07:31:03 GMT

It has more to do with the totality of your credit profile. Not just your score. If you have a lot of new credit, and too many inquiries, it will affect what apr you get. Your credit score is just one of many things CCC look at. Good luck!

Re: Chase Freedom/Slate APR tiers

Anonymous — Sat, 31 Jan 2015 14:36:04 GMT

im going to start calling every 6 months to have my aprs lowered

Re: Chase Freedom/Slate APR tiers

Anonymous — Sat, 31 Jan 2015 14:39:44 GMT

i would call to have that lowered

Re: Chase Freedom/Slate APR tiers

Callandra — Sat, 31 Jan 2015 16:10:23 GMT

@Anonymous wrote:
It has more to do with the totality of your credit profile. Not just your score. If you have a lot of new credit, and too many inquiries, it will affect what apr you get. Your credit score is just one of many things CCC look at. Good luck!

That was my experience -- I had about a 750 score or so when I applied for my Freedom but wound up with 22.99% APR. However, my credit history was only a year at the time so that is why. Did get approved for $3.5k though.

Then 7 months later, applied for Sallie Mae and instant approved for 13.99% APR. What a difference half a year makes...

Re: Chase Freedom/Slate APR tiers

PokemonMaster — Sat, 31 Jan 2015 18:21:30 GMT

When I applied for my Freedom card I was in the 750-760 FICO range and got the lowest tier APR (13.99). I have never been late and have no other negative items on my reports. At the time I had 4 other CCs and my oldest card was 3+ years old.

Re: Chase Freedom/Slate APR tiers

Anonymous — Sun, 01 Feb 2015 00:50:39 GMT

15.99% for my CSP. 18.99% for my Freedom. My FICO is between high 700 to low 800 range.

Re: Chase Freedom/Slate APR tiers

Anonymous — Sun, 01 Feb 2015 00:57:22 GMT

@Anonymous wrote:
15.99% for my CSP. 18.99% for my Freedom. My FICO is between high 700 to low 800 range.

CSP isn't a good example, as everyone approved gets the same rate (that rate changes from time to time)

Re: Chase Freedom/Slate APR tiers

Anonymous — Sun, 01 Feb 2015 01:02:58 GMT

@Anonymous wrote:
@Anonymous wrote:
15.99% for my CSP. 18.99% for my Freedom. My FICO is between high 700 to low 800 range.
CSP isn't a good example, as everyone approved gets the same rate (that rate changes from time to time)

I think 13.99% is the best for Freedom?

Re: Chase Freedom/Slate APR tiers

Anonymous — Sun, 01 Feb 2015 02:02:54 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
15.99% for my CSP. 18.99% for my Freedom. My FICO is between high 700 to low 800 range.
CSP isn't a good example, as everyone approved gets the same rate (that rate changes from time to time)
I think 13.99% is the best for Freedom?

Nope.

Re: Chase Freedom/Slate APR tiers

JagerBombs89 — Sun, 01 Feb 2015 03:18:29 GMT

@Anonymous wrote:
@Anonymous wrote:

I think 13.99% is the best for Freedom?
Nope.

Actually it is for those who are just apply: https://applynow.chase.com/FlexAppWeb/pricing.do?card=FCBV&page_type=appterms