topic Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It in Credit Cards

Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Thu, 21 Feb 2013 23:31:25 GMT

I'm super excited, I've finally gotten out of sub-prime land and was approved about 10 minutes ago for the Chase Freedom and Discover It cards!

It's been exactly 9 months since I was approved for BOA 99/500 cash back card, Cap1 $49/200 and the Buckle Store card. I've nurtured these cards and paid in full every month. I didn't have but 1 or 2 inquiries on my reports so I thought I would give it a go and I received instant approvals for both cards online!

As everyone always says, it wouldn't of been possible without the help of this awesome community. I'm not sure what my limits are yet, but the hard part is over, didn't even have to recon! lol

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

dodgerslv — Thu, 21 Feb 2013 23:32:47 GMT

@BrokaToe wrote:
I'm super excited, I've finally gotten out of sub-prime land and was approved about 10 minutes ago for the Chase Freedom and Discover It cards!

It's been exactly 9 months since I was approved for BOA 99/500 cash back card, Cap1 $49/200 and the Buckle Store card. I've nurtured these cards and paid in full every month. I didn't have but 1 or 2 inquiries on my reports so I thought I would give it a go and I received instant approvals for both cards online!

As everyone always says, it wouldn't of been possible without the help of this awesome community. I'm not sure what my limits are yet, but the hard part is over, didn't even have to recon! lol

A very BIG CONGRATS!!!

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

Iincognito — Thu, 21 Feb 2013 23:33:26 GMT

Grats! Always a good feeling to get back-to-back approvals.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

rtw — Thu, 21 Feb 2013 23:36:17 GMT

Congratulations! I love hearing these success stories. It helps to pass the time in the garden.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Thu, 21 Feb 2013 23:52:16 GMT

Thanks a bunch everyone! I've worked very hard getting my reports back in good standing, I've had 4 negatives removed and rehabilitated my school loans and paid my bills. I feel I deserved the approvals, but now it's back to the garden with me too.

I'm anxious to find out my limits, hopefully they aren't real small. Maybe I'll call in the next few days and find out

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

Iincognito — Thu, 21 Feb 2013 23:56:05 GMT

@BrokaToe wrote:
Thanks a bunch everyone! I've worked very hard getting my reports back in good standing, I've had 4 negatives removed and rehabilitated my school loans and paid my bills. I feel I deserved the approvals, but now it's back to the garden with me too.

I'm anxious to find out my limits, hopefully they aren't real small. Maybe I'll call in the next few days and find out

You should be able to call each one today to find out what the limits are on each card...

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

LS2982 — Fri, 22 Feb 2013 00:00:09 GMT

CONGRATS!!!!!!

give them a call, were anxious to see what they gave you!

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

nuggets321 — Fri, 22 Feb 2013 00:03:12 GMT

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

QAMngrGirl — Fri, 22 Feb 2013 00:08:32 GMT

Congrats & great work!

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

09Lexie — Fri, 22 Feb 2013 01:36:46 GMT

Congrats on both approvals!

yes, you can call and get your limits.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

ObeyJohnny12 — Fri, 22 Feb 2013 01:43:14 GMT

Congratulations!

Keep up the good work!

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Fri, 22 Feb 2013 02:59:34 GMT

Ok folks, I called and talked to Discover, my starting limit is, are you ready...... $7,000 !! LOL I couldn't believe it. Now get this, I called and spoke with Chase and my starting limit is $500 ....lol I wonder why there is such a big difference? My current highest credit line is $500 on BOA, so I guess they just matched that. Anyway I'm psyched to no end. Just thought you all would like to know my starting limits.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

injustifiiable — Fri, 22 Feb 2013 03:02:25 GMT

@BrokaToe wrote:
Ok folks, I called and talked to Discover, my starting limit is, are you ready...... $7,000 !! LOL I couldn't believe it. Now get this, I called and spoke with Chase and my starting limit is $500 ....lol I wonder why there is such a big difference? My current highest credit line is $500 on BOA, so I guess they just matched that. Anyway I'm psyched to no end. Just thought you all would like to know my starting limits.

$500 for Chase? Yikes...must've been borderline. Do you know what CRA they pulled???

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Fri, 22 Feb 2013 03:05:26 GMT

Yah, they pulled experian. I know on my experian report there is a small medical collection, and that's probably why I got such a small limit. Discover pulled TU and it's clean. But I'm sure when chase gets ready to evaluate my account for an increase they'll see what discover gave me and might opt to increase it quite a bit. Hopefully anyway.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

Anonymous — Fri, 22 Feb 2013 03:09:02 GMT

Congrats on the wins!!

Can you call Chase and "recon" the limit? I have heard they are great to work with in such things.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

Anonymous — Fri, 22 Feb 2013 03:10:08 GMT

I sent a secure message via chase's website and they increased my limit to 2500 from 500.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Fri, 22 Feb 2013 03:12:20 GMT

@Anonymous wrote:
I sent a secure message via chase's website and they increased my limit to 2500 from 500.

Was this immediately after approval or did you wait until you received the card? Also how did you address the situation? If you don't mind sharing your secrets

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

Anonymous — Fri, 22 Feb 2013 03:16:22 GMT

Within 5 minutes of being approved I sent this "I was just approved for this card, I appreciate the opportunity to use this and utilize all of its features as they are awesome. However I would like to request a higher starting credit limit." they came back with request of income, and my DOB. Logged in just now and my limit is 2,500

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Fri, 22 Feb 2013 03:20:27 GMT

@Anonymous wrote:
Within 5 minutes of being approved I sent this "I was just approved for this card, I appreciate the opportunity to use this and utilize all of its features as they are awesome. However I would like to request a higher starting credit limit." they came back with request of income, and my DOB. Logged in just now and my limit is 2,500

I don't know my account number, how do I send a secure message? I don't have any accounts with them currently except for the one I was just approved for.

Re: Finally Bit the Bullet and Applied...Chase Freedom and Discover It

BrokaToe — Fri, 22 Feb 2013 03:32:44 GMT

I finally reached someone by telephone and he asked me a few questions about income etc. and then said that the decision on his end was showing as pending. So he tried to transfer me to the lending department and they were already gone for the day. So he told me to call back tomorrow and check in with the lending department to see if they can overturn the pending status. I asked for $2,500, so wish me good luck.