topic Re: Chase in Credit Cards

Chase

Anonymous — Mon, 08 Jun 2015 15:58:42 GMT

I want the freedom card so badly!! Ex 671 Tu 678 Eq 672. Unpaid judgement 6+ years. 150 lates 2011 TU only. I have 8 cards (6 rebuilders) since August 2013. Just got discover it and Barclay rewards last month. CK very good odds (I'm taking that with a grain of salt) discover was listed poor and Barclays fair had a 645 when I apped for both. Was denied Amex blue in April with a 645 score. Judgement was a top reason followed by until which was 29% now down to 12%. Loan to high 2200 left just got it in November.

What do you think? A pipe dream?? 😳☺️

Re: Chase

Anonymous — Mon, 08 Jun 2015 16:01:46 GMT

You do have a shot. But you are probably looking at a measly limit. The only way to find out is to try.. Report back with results if you do apply.

Re: Chase

MoreRewards — Mon, 08 Jun 2015 16:04:03 GMT

If I were you I'd wait. You might get approval but you will probably get a better one if you wait and if you can get the $200 sign up bonus would be better too.

Re: Chase

Anonymous — Mon, 08 Jun 2015 16:18:19 GMT

Thanks for the advice. Last year my cs was around 520, so those rebuilder cards were a huge help. 110% on time payments. Just scared because of the new "too many accounts in 2 years" policy that people are getting denied for. Like I said they are all rebuilders except discover and Barclays.

Re: Chase

Anonymous — Mon, 08 Jun 2015 16:22:46 GMT

Who does chase pull?

Re: Chase

Anonymous — Mon, 08 Jun 2015 16:27:55 GMT

@Anonymous wrote:
Thanks for the advice. Last year my cs was around 520, so those rebuilder cards were a huge help. 110% on time payments. Just scared because of the new "too many accounts in 2 years" policy that people are getting denied for. Like I said they are all rebuilders except discover and Barclays.

With Chase, no one knows how the dice will roll. Someone got approved with a 524 score for the Freedom. Others with scores in the 800 have been denied. So it is weird what is going on.

If your gut tells you to wait, then it is best to wait and vice versa.

Re: Chase

rockbttm442 — Mon, 08 Jun 2015 16:54:48 GMT

Chase normally pulls EQ but they also have their own internal scoring system.

Re: Chase

Anonymous — Mon, 08 Jun 2015 17:04:32 GMT

@rockbttm442 wrote:
Chase normally pulls EQ but they also have their own internal scoring system.

Chase will pull any of the three and they do on a regular basis. You're almost assured that EX will be pulled and Chase quite often will double pull

Re: Chase

Anonymous — Mon, 08 Jun 2015 17:16:34 GMT

How many points will I lose when applying?

Re: Chase

Anonymous — Mon, 08 Jun 2015 18:10:19 GMT

^ between 3-10 is possible

Re: Chase

JSS3 — Mon, 08 Jun 2015 18:26:45 GMT

Chase asks about bancruptcies, but I don't know how lates will affect the Freedom app. I would really like to know the outcome of this too. How many accounts have you opened in two years?

I've done 4 apps with Chase. They have pulled TU&EX for ALL four! State: PA.

Re: Chase

Anonymous — Mon, 08 Jun 2015 18:52:19 GMT

I have 8 in 2 years.

Re: Chase

Anonymous — Mon, 08 Jun 2015 18:53:33 GMT

If it were 3 then I would t mind if there was a denial. Ugh idk what to do.

Re: Chase

Anonymous — Mon, 08 Jun 2015 19:29:56 GMT

I have 10 new accounts in under a year, and like 4-12 inquiries depending on which bureau, I rarely see a difference when I get a new inquiry. I think that's probably because I've reached some point where adding another doesn't really have a noticeable impact, but personally I don't think inquiries are that THAT big of a deal. I believe my recent denials are more caused by lack of history and new accounts, more-so than the inquiries.

Basically if you already have some inquiries then I don't think another makes much difference, just my opinion though.

Re: Chase

Anonymous — Mon, 08 Jun 2015 19:36:08 GMT

Just improved my scores over 100 points. Just don't want a huge dip in score if denied.

Re: Chase

Anonymous — Mon, 08 Jun 2015 19:38:39 GMT

Maybe I will wait a couple weeks. I disputed those latest here are like 15, they are supposed to be removed shortly. Probably give me a better chance.

Re: Chase

Anonymous — Mon, 08 Jun 2015 19:45:29 GMT

If you have negatives being removed soon then I'd definitely wait. Even if approved, the better your profile at the time of applying the better your starting limit will be.

Re: Chase

Anonymous — Mon, 08 Jun 2015 19:57:07 GMT

Agreed!!

Thank you everyone!😊

Re: Chase

taxi818 — Mon, 08 Jun 2015 20:01:34 GMT

Well to be honest . The only ones approved for the freedom with sub 660 scores are those that have accounts with chase. Checking. Savings direct deposit. As others stated. Even upper 700s denied. It would be in your best interest to wait. Their pre approval is accurate for sure. Although verification is a pita. Best results wait until then. Or minimum until your scores. Over 660.

Re: Chase

Anonymous — Mon, 08 Jun 2015 20:05:07 GMT

They are over 670. No offers on pre approval for anything. I used the pre qual site for discover and had the it card offered. That is why I jumped on it. A week later I was reading how discover pre qual site is useless. You can put any info in it and will be "pre qualified" glad I didn't know that before hand because I would have steered clear. Lol