topic Re: Chase Freedom in Credit Cards

Chase Freedom

Anonymous — Fri, 15 Aug 2008 18:54:11 GMT

Hi Guys,

I am a credit newbie but want Chase Freedom card so badly, Currently I have two credit cards:

Cap1: 144/300 (9 month) --> (it will be 0/600, when they reported this month)

Sovereign 723/1000 (5 month)

These are

and Credit Scores are:

EXP:697

EQ:706

TU:710

Is there any idea about my chances of approved by this card? Thanks

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 19:10:41 GMT

Any recent CO's or major derog's? If not, with those scores, you're in. In NY they pull EX.

Good luck.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 19:25:45 GMT

I am in NY, they pulled TU on me and then pulled EX when I reconned...

Re: Chase Freedom

USC08 — Fri, 15 Aug 2008 20:33:32 GMT

They pulled EX for me. Im in CA.

UpUpUp wrote:
I am in NY, they pulled TU on me and then pulled EX when I reconned...

How come they pulled again after reconn?

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 21:13:24 GMT

I reconned the same day as app. I have no idea why they pulled again, I was pretty upset about it too. I honestly think any time you ask them for something they pull. If you apply, they pull (obviously), recon (they pull), ask for CLI (they pull). Unless you have a generic question, basically anything you do with them is a pull.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 21:34:35 GMT

Do you have any loans that have a longer history? In general we recommend you wait you have around a year to 18 months (preferably) of credit history before applying for non-student prime cards. You may get it now, but a little bit of time would certainly improve your chances.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 21:40:06 GMT

I think your scores are good enough for the Freedom card. I love mine!

As long as you are free of any major recent derogs, you're probably fine.

Re: Chase Freedom

USC08 — Fri, 15 Aug 2008 22:06:20 GMT

UpUpUp wrote:
I reconned the same day as app. I have no idea why they pulled again, I was pretty upset about it too. I honestly think any time you ask them for something they pull. If you apply, they pull (obviously), recon (they pull), ask for CLI (they pull). Unless you have a generic question, basically anything you do with them is a pull.

That's strange because when I reconned with them they went off the report that was originally pulled upon applying.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 22:23:18 GMT

USC08 wrote:

UpUpUp wrote:
I reconned the same day as app. I have no idea why they pulled again, I was pretty upset about it too. I honestly think any time you ask them for something they pull. If you apply, they pull (obviously), recon (they pull), ask for CLI (they pull). Unless you have a generic question, basically anything you do with them is a pull.

That's strange because when I reconned with them they went off the report that was originally pulled upon applying.

That makes me mad. I also had the same thing happen with discover. Not a recon, but when I apped they needed more information, so I called and all they wanted to do was verify my address because stinkin' credit bureau keeps listing an old address as the current one, even though I've notfied them several times. Anyway, they pullled a 2nd report to verify the address and I got hit with that one too. So for 2 cards, I got hit with 4 inqs.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 22:41:04 GMT

I recently did a recon with Citi and they pulled the same (Exp) again. I called Exp and was able to have one removed since it was within a week of eachother, they deleted as a dup.

Re: Chase Freedom

Anonymous — Fri, 15 Aug 2008 22:55:09 GMT

I would try that myself, but since both times they pulled different reports, I don't think that will work.

Re: Chase Freedom

Anonymous — Sat, 16 Aug 2008 00:38:22 GMT

Per your post, your average age is 7 months. Doubtful Chase will approve. Do you have older accounts on file?

Re: Chase Freedom

Anonymous — Sat, 16 Aug 2008 00:46:46 GMT

There are no CO's or major derog's. Actually, there is nothing older than these two accounts on the file. So I am afraid that if apply for this car, they will decline because of length of history. By the way I live in NJ.

Re: Chase Freedom

Anonymous — Sat, 16 Aug 2008 00:48:01 GMT

Good catch, faircreditguy!

Re: Chase Freedom

Anonymous — Sat, 16 Aug 2008 02:17:22 GMT

I have great eye-hand coordination.

Re: Chase Freedom

Anonymous — Wed, 20 Aug 2008 03:38:10 GMT

My roommate added me as AU on his 4 year old Bofa credit card with perfect payment history and very low utilization. Do you think this helps for the length of my credit history and score? And in the end what are my chances for this card?

Re: Chase Freedom

Anonymous — Wed, 20 Aug 2008 13:06:25 GMT

Chase gave me an Amazon Card when I really had no other credit history than one Bank of America Card (one month old). Also when I was convincing them to give me a second card, I just explained that my short history was due immigration to the US a year ago and that seemed to satisfy them.

Re: Chase Freedom

Anonymous — Thu, 21 Aug 2008 01:33:37 GMT

Anyone?