topic Re: Need chase freedom card in Credit Cards

Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:22:54 GMT

I got denied for chase 2 months back because of short credit hostory and more inquiries. Now i want to apply for my wife who also has short credit history but only 3 inquiries.

She has cap1 with 300CL and 5 months old.

JCP with 600CL and 2 month old.

Recently got walmart with 300 CL not reported yet on files.

Overall she has AAoA of 3 months with total CL 900. I beleive chase will deny at this point. I was thinking to add her on my discover with 1500CL which will report on 16th on this month, this will bring AAoA down but bump up total CL and total no. of cards to 3 (walmart will report later).

What you guys suggest, any chance to get chase now? Or i have to wait for another 3 months and i dont want to wait..... Just crazy to see chase in my wallet..

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:25:08 GMT

Wait

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:27:05 GMT

What are the features the Chase Freedom card offers which you need now?

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:42:29 GMT

It comes with cash back and $100 bonus. Also this will help improving credit history of my wife..

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:44:10 GMT

@Pardeep wrote:
It comes with cash back and $100 bonus. Also this will help improving credit history of my wife..

I'm sure in six months to a year, that offer will still be available. It has been for quite some time, and at times it was increased to $200 or even higher.

Re: Need chase freedom card

xiownthisplacex — Sun, 05 Aug 2012 18:44:13 GMT

You need to wait 6 months after your denial with Chase. Don't app again until then, because you will be denied and she will gain another HP.

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:46:21 GMT

@xiownthisplacex wrote:
You need to wait 6 months after your denial with Chase. Don't app again until then, because you will be denied and she will gain another HP.

thats why i am not applying on my name. My wife has clean history, just wanted help if i need to put her into my discover or any chance of chase approval with whatever she has on her files?

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:48:18 GMT

Don't waste more pulls on Chase with such a short history.

Time is a part of building credit. We can't app our way to 800, LOL!

Re: Need chase freedom card

xiownthisplacex — Sun, 05 Aug 2012 18:49:07 GMT

But her AAoA is only 3 months and very low CL with her current ones. I would suggest to wait even for her. Chase is not easy to get, I believe they want to see at least 1 year of history, someone correct me if I'm wrong.

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 18:51:25 GMT

@Pardeep wrote:
@xiownthisplacex wrote:
You need to wait 6 months after your denial with Chase. Don't app again until then, because you will be denied and she will gain another HP.
thats why i am not applying on my name. My wife has clean history, just wanted help if i need to put her into my discover or any chance of chase approval with whatever she has on her files?

Hold up. So if I am reading/following correctly, you want to apply, using her information...and then use the card for yourself?

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 19:43:02 GMT

@Anonymous wrote:
@Pardeep wrote:
@xiownthisplacex wrote:
You need to wait 6 months after your denial with Chase. Don't app again until then, because you will be denied and she will gain another HP.
thats why i am not applying on my name. My wife has clean history, just wanted help if i need to put her into my discover or any chance of chase approval with whatever she has on her files?

Hold up. So if I am reading/following correctly, you want to apply, using her information...and then use the card for yourself?

we use cards together, it does not matter. We want to have that card in our wallet..

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 19:48:13 GMT

@Pardeep wrote:
I got denied for chase 2 months back because of short credit hostory and more inquiries. Now i want to apply for my wife who also has short credit history but only 3 inquiries.
She has cap1 with 300CL and 5 months old.
JCP with 600CL and 2 month old.
Recently got walmart with 300 CL not reported yet on files.

Overall she has AAoA of 3 months with total CL 900. I beleive chase will deny at this point. I was thinking to add her on my discover with 1500CL which will report on 16th on this month, this will bring AAoA down but bump up total CL and total no. of cards to 3 (walmart will report later).

What you guys suggest, any chance to get chase now? Or i have to wait for another 3 months and i dont want to wait..... Just crazy to see chase in my wallet..

so should i add her into my discover and wait for 2-3 months?

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 19:57:27 GMT

Both of you need to wait before applying for the Chase Freedom. I would suggest waiting at least until one of you has 1 year of history and don't apply for anything else in the meantime.

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 20:14:46 GMT

@Pardeep wrote:
@Anonymous wrote:
@Pardeep wrote:
@xiownthisplacex wrote:
You need to wait 6 months after your denial with Chase. Don't app again until then, because you will be denied and she will gain another HP.
thats why i am not applying on my name. My wife has clean history, just wanted help if i need to put her into my discover or any chance of chase approval with whatever she has on her files?

Hold up. So if I am reading/following correctly, you want to apply, using her information...and then use the card for yourself?
we use cards together, it does not matter. We want to have that card in our wallet..

Trust me on this one.... it matters, LOL! It matters a whole lot more if we ever becomes me.

Chase likes some history. Just properly manage current cards for a while and do some research on Chase. They might not actually suit your needs and spending habits one bit.

FWIW, their CS is pretty good. That being said, low initial limit, year with no CLI.... I'm probably letting them go next August.

Re: Need chase freedom card

LS2982 — Sun, 05 Aug 2012 21:13:05 GMT

@Pardeep wrote:
I got denied for chase 2 months back because of short credit hostory and more inquiries. Now i want to apply for my wife who also has short credit history but only 3 inquiries.
She has cap1 with 300CL and 5 months old.
JCP with 600CL and 2 month old.
Recently got walmart with 300 CL not reported yet on files.

Overall she has AAoA of 3 months with total CL 900. I beleive chase will deny at this point. I was thinking to add her on my discover with 1500CL which will report on 16th on this month, this will bring AAoA down but bump up total CL and total no. of cards to 3 (walmart will report later).

What you guys suggest, any chance to get chase now? Or i have to wait for another 3 months and i dont want to wait..... Just crazy to see chase in my wallet..

I would wait. too short of credit history. You need at least a year on 2 cards for them to bite.

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 21:19:31 GMT

Pardeep is reminding me of someone else. Going to take some rejections to get his to stop.

Re: Need chase freedom card

LS2982 — Sun, 05 Aug 2012 21:20:25 GMT

@Anonymous wrote:
Pardeep is reminding me of someone else. Going to take some rejections to get his to stop.

(cough)appbar(cough)

Re: Need chase freedom card

Anonymous — Sun, 05 Aug 2012 22:44:02 GMT

Many have felt the cold sting of rejection, LOL!

I can't throw Appy under the bus.

Re: Need chase freedom card

annielorie — Sun, 05 Aug 2012 22:47:53 GMT

OP Re Chase Freedom I had 7 months history a 300 CC only banking with chase for several years Initially denied.. I reconed no new HP and was approved for $500 not a large limit but it was the first card after a car loan that I applied for score 730- 742 accross the boards Jcpenny apprd 1,800 dISCOVER 2,000 LOWES 2400 i SAY WAIT a little longer and if you have an account your chances are higher. Good luck!

Re: Need chase freedom card

jsucool76 — Sun, 05 Aug 2012 23:06:07 GMT

Definitely wait. All you're gonna end up with is another HP and nothing to show for it.