topic Chase freedom in Credit Cards

Chase freedom

Anonymous — Sun, 24 Mar 2013 21:08:23 GMT

Hello friends,

I'm looking into this card. I have a score of 664 and 654 from transunion and equifax, respectively. Also a fico score of 680 from walmart. I have one inquiry in the last 12 months. I have a few baddies, but it was 3 years a go and no lates in that same time frame. Utility is 29 percent. What are my chances?

Re: Chase freedom

LS2982 — Sun, 24 Mar 2013 21:12:57 GMT

Util might be a tad high. Do you have cc's with a year history?

Re: Chase freedom

Anonymous — Sun, 24 Mar 2013 21:18:09 GMT

Cp1(2 cards) about two years old. Walmart about two years old, discover more about 11 months old. All perfect payment history.

Re: Chase freedom

LS2982 — Sun, 24 Mar 2013 21:19:29 GMT

Id say go for it!! Good luck!!!

Re: Chase freedom

Anonymous — Sun, 24 Mar 2013 22:52:22 GMT

Re: Chase freedom

Open123 — Sun, 24 Mar 2013 23:02:58 GMT

@LS2982 wrote:
Id say go for it!! Good luck!!!

Worth a shot. Regardless, you'll never know where you stand until you apply. If you're declined, then you can call them for a recon. Even if unsuccessful, you can ask the credit analyst what you can do to improve your profile in order to be successful next time.

Re: Chase freedom

Rhaeny — Mon, 25 Mar 2013 00:03:38 GMT

Yea I kinda agree that the util is a bit high, but I don't think it will stop you from an approval. It may just hinder you from getting the highest CL possible but with what you have I think you have a good chance.

Re: Chase freedom

Anonymous — Mon, 25 Mar 2013 04:09:34 GMT

Go for it! And remember if denied, recon. I was approved on recon. I had about 28% UTIL. CSR brought it up when I asked for more than $1000 CL. Needless to say, I didn't get approved for more than a $1000. I would give it a shot.