topic Re: Chase Freedom - App Question in Credit Cards

Chase Freedom - App Question

Anonymous — Wed, 08 Feb 2012 20:04:59 GMT

Hi All,

Looking for some short advice. My wife and I are about to apply for the Chase Freedom card, but aren't sure who is the better person to be the primary applicant.

Our credit scores are essentially identical (mid 700s) but reports are slightly different. Neither of us have any derogs or negative items & <10% utilization. The differences though are I am an authorized user on two old cards and have a closed PIF auto loan - she only has her two one cards and no auto loan. She, I believe, has a greater AAoA if my AU accounts aren't taken into consideration. If the application would consider the age of my AU accts, I will have a greater AAoA than she.

I know not a ton of detail here, but with this, any input on who may be a better candidate?

Thanks

Re: Chase Freedom - App Question

afbar1114 — Wed, 08 Feb 2012 20:09:33 GMT

why dont you both try to apply and who ever gets the better CL close the other and just add an AU to the open card

Re: Chase Freedom - App Question

Mike360 — Wed, 08 Feb 2012 21:27:36 GMT

Doesn't matter. 700+ score and over a year history with no negs should get you both approved.

Re: Chase Freedom - App Question

Anonymous — Wed, 08 Feb 2012 23:52:28 GMT

Thanks all. I'm trying to maximize the limit; or now that I think about it the freedom is no preset , correct?

Re: Chase Freedom - App Question

afbar1114 — Thu, 09 Feb 2012 00:18:03 GMT

@Anonymous wrote:
Thanks all. I'm trying to maximize the limit; or now that I think about it the freedom is no preset , correct?

no afaik there is a limit for the freedom

Re: Chase Freedom - App Question

boomhower — Thu, 09 Feb 2012 01:15:36 GMT

There is a signature version of the Freedom that has some looser CL rules. It still has a limit but you can exceed it, it's kinda funny.

Re: Chase Freedom - App Question

CS800 — Thu, 09 Feb 2012 01:18:28 GMT

The regular Freedom has a CL that reports.

Re: Chase Freedom - App Question

afbar1114 — Thu, 09 Feb 2012 01:21:00 GMT

there is a visa sig freedom???? how do i get that

Re: Chase Freedom - App Question

CS800 — Thu, 09 Feb 2012 01:28:56 GMT

@afbar1114 wrote:
there is a visa sig freedom???? how do i get that

Yes, Scott has one:

http://ficoforums.myfico.com/t5/Credit-Cards/what-a-chase-freedom-visa-signature-looks-like/td-p/1020536

Re: Chase Freedom - App Question

afbar1114 — Thu, 09 Feb 2012 01:29:47 GMT

@CS800 wrote:
@afbar1114 wrote:
there is a visa sig freedom???? how do i get that
Yes, Scott has one:

http://ficoforums.myfico.com/t5/Credit-Cards/what-a-chase-freedom-visa-signature-looks-like/td-p/1020536

i want that lol

Re: Chase Freedom - App Question

CS800 — Thu, 09 Feb 2012 02:20:33 GMT

I dont think you can apply for the sig, I think it is offerred as an upgrade.

Re: Chase Freedom - App Question

Anonymous — Thu, 09 Feb 2012 03:01:11 GMT

Sounds like you should have no problem getting the card. Recons also seem relatively successful if needed (meself in that category), so I suggest put it on whoever's name and sign the other up as an AU.

Re: Chase Freedom - App Question

Anonymous — Thu, 09 Feb 2012 03:05:48 GMT

@afbar1114 wrote:
why dont you both try to apply and who ever gets the better CL close the other and just add an AU to the open card

I agree both of you apply but I don't see the reasoning behind closing one though if both approved?