topic Re: Should I try my luck? in Credit Cards

Should I try my luck?

Anonymous — Mon, 07 Oct 2013 20:37:17 GMT

I am thinking about trying my luck for the chase freedom card, but I keep telling my self I would probably get denied. So what do everybody think.

TU: 680 last pulled 9/27

EQ: 677 last pulled 9/26

Don't know the last one.

I have 6 iq's soon to be 7 because I asked capital 1 for a cli.

And only 5k in student loans.

I have a discover it card, and a quicksilver card. If I get this one I will garden for awhile.

So what do everybody think my chance's are? Am I just being silly?

Re: Should I try my luck?

B335is — Mon, 07 Oct 2013 20:38:47 GMT

How long have you had Discover and Quicksilver? Utilization? Have you tried the Chase prequalifier?

Re: Should I try my luck?

Anonymous — Mon, 07 Oct 2013 20:50:51 GMT

I had both for a couple months now around 6 months I think. Utilizatizon have not went above 50% yet. And I have not tried that yet. Can I do it from my iphone?

Re: Should I try my luck?

myjourney — Mon, 07 Oct 2013 21:12:03 GMT

@jetlife_reeves wrote:
I had both for a couple months now around 6 months I think. Utilizatizon have not went above 50% yet. And I have not tried that yet. Can I do it from my iphone?

What is your current UTL and all your cards are about 6 months old?

Re: Should I try my luck?

Anonymous — Mon, 07 Oct 2013 21:30:04 GMT

My discover is around 21% just came back from a mini vaca, my quicksilver is around 11%. I had my quicksilver a month before my discover card. And my AAoA is 8 months.

Re: Should I try my luck?

09Lexie — Mon, 07 Oct 2013 21:43:08 GMT

First, Cap 1 CLI's are SP's. And I understand correctly you have two cc's reporting and one with a 21% util.

Do you bank with Chase?

Check the pre-qual website and see if you have any offers.

A 21% util reporting on a new account and on a thin file may not look favorable to Chase. If you've had Discover for 3 mos, I would see if you are eligible for a sp CLI.

If so, let that report and check the pre-qual set again.

The longer the history the better your odds are for approval and with better terms.

Re: Should I try my luck?

Anonymous — Mon, 07 Oct 2013 22:12:01 GMT

Well that's great news for the cap 1 card.

But I do not bank with chase because the closes one is an hour away.

I just tried the pre-qual and got this.

"We are unable to locate any special credit card offers for you at this time.

This may be because you have opted out of "pre-screened" offers from Chase and other companies or you have recently responded to another offer from Chase.

However, we may still have products to meet your needs. Please continue to the website".

I guess there trying to force me into app'ing

And the 21% is nothing it was 45% but I paid it down. I will pay 21% down once I get paid. I was trying to force them into giving me a cli.

I will wait on asking discover for one, until I hear back from cap 1.

I didn't want to get it in december and go christmas shopping with it, then they look at me as a high risk or something. I wanted to atleast have it for a month or two.

Re: Should I try my luck?

Credit-hoarder — Mon, 07 Oct 2013 23:48:38 GMT

I've gotten that same message recently and I know I haven't opted out on anything or accepted another offer with them (other than my BP gas card), so I guess that's their way of saying neither of us qualify for anything yet.

Re: Should I try my luck?

Anonymous — Tue, 08 Oct 2013 01:44:32 GMT

I was wondering if I was the only one. But I think I'm going to cross my fingers and pull the trigger. Since either way I'm headed to the garden approved or not. I just rather have 3 cards instead of 2.

Hope to come back with good news. Fingers crossed.

Re: Should I try my luck?

Themanwhocan — Tue, 08 Oct 2013 02:00:38 GMT

@Credit-hoarder wrote:
I've gotten that same message recently and I know I haven't opted out on anything or accepted another offer with them (other than my BP gas card), so I guess that's their way of saying neither of us qualify for anything yet.

I am also unworthy.

Re: Should I try my luck?

youngandcreditwrthy — Tue, 08 Oct 2013 02:03:22 GMT

I'd go ahead and app for it.
No harm in trying. I think you'll get approved.

Re: Should I try my luck?

Anonymous — Tue, 08 Oct 2013 02:26:10 GMT

I went for it. I got an email saying I would hear back from them in the next 30 days. Should I call the backdoor number?

Re: Should I try my luck?

09Lexie — Tue, 08 Oct 2013 02:33:31 GMT

Yes. Good luck

Re: Should I try my luck?

myjourney — Tue, 08 Oct 2013 02:50:43 GMT

Good luck

Re: Should I try my luck?

Meltdownblitz — Tue, 08 Oct 2013 03:03:12 GMT

Yes, call the backdoor number, not sure if they close, if they do try calling a CSR, I believe they would be able to tell you. Personally though I think you'd have a fair chance if you didn't have balances on the other cards. With the balances.. I'm not sure, however chase gives limits as low as $500 on their freedom from what I've heard so you might slide by with a low limit but at least you'd be in. I wish you the best, Good luck! Keep us posted!

Re: Should I try my luck?

Anonymous — Wed, 09 Oct 2013 17:57:04 GMT

Update

So I app'd on 9/7. I called the backdoor number today. Entered my ssn. And it say my account is still under review. And it gives me the option to talk to a CR. Should I do it or just wait.

Re: Should I try my luck?

09Lexie — Wed, 09 Oct 2013 18:07:24 GMT

No, call. If necessary be prepared to recon.

Re: Should I try my luck?

B335is — Wed, 09 Oct 2013 18:41:31 GMT

Yes, call the backdoor credit analyst. The sooner the better and be prepared to tell them you've heard great things about the card, plan to use it for every day spend, pay it off in full, and establish a long meaningful relationship with Chase.

Re: Should I try my luck?

Anonymous — Wed, 09 Oct 2013 22:42:10 GMT

I called I was denied. When I asked why she said lack of the number of cards that I have. So how can I do this without jacking my iq's up.

Kind of lost on what to do here besides wait. I wanted another card so I could lower the utilization of my discover card, my cap 1 card really don't help since it has a low limit I only use it for gas or if I go out to eat.

Re: Should I try my luck?

ac921ol — Wed, 09 Oct 2013 23:07:41 GMT

I would call back and discuss it with someone else tomorrow, explain you are trying to build more and start a good relationship, and you understand that it takes time, so you are ok with a lower balance for now. I'd try again is what Im saying. (calling the backdoor number)