topic Re: Chase Freedom question? in Credit Cards

Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 03:11:51 GMT

I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also? Since there is already 1 hard pull on score? Fico score: EQF 670, TRANS 673, EXP 658. Thanks!!

Re: Chase Freedom question?

chalupaman — Sun, 28 Sep 2014 03:48:58 GMT

Did you try to check if you were prequalified for the card first? Usually with Chase those tend to be quite accurate. They are also really good with recon.

Re: Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 04:11:16 GMT

Yes I did the pre qualify for the Discover card and it stated I qualified, and on the Chase Freedom I got something in the mail stating I was prequalified (which accidentally got tossed in trash). Do you think I should try for the freedom card right now too.

Re: Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 04:37:36 GMT

remember if it was actually prequalified or suggesting you should try to applying? i remember getting one of those letter, and with suggestion of credit karma, i decided to apply for it, and got denied, and my bro asked "was it actual pre-qualified letter?" so i double checked, and it wasn't

Re: Chase Freedom question?

joedtx — Sun, 28 Sep 2014 04:50:15 GMT

@Anonymous wrote:
remember if it was actually prequalified or suggesting you should try to applying? i remember getting one of those letter, and with suggestion of credit karma, i decided to apply for it, and got denied, and my bro asked "was it actual pre-qualified letter?" so i double checked, and it wasn't

Red is correct.

Have you tried the Chase Pre-Qualifer tool, i've heard from others that if it approves you then it is pretty much a done deal.

Re: Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 05:34:45 GMT

Thanks for responses! But my question is will it hurt my credit score to badly applying for 2 cards, as I just had 1 hard pull for discover it & got approved? Noe going for Freedom card, should I wait 6 more months or go for it? I am undecided here. Need advice. Thanks!

Re: Chase Freedom question?

elim — Sun, 28 Sep 2014 06:05:31 GMT

i think discover pulls EQ

after you check chases pre-qual site (and get an offer) then most likely chase will pull TU (plus EX with your scores) when you apply.

so after it is all said and done you should have 1 inq on each CR which is no problem. YMMV geographically

IMHO go for it, grow the 2 cards (and the inquiries) together.

a lot of people here app in "sprees" of 2 to 4 cards at a time.

in 2 years you will be much better off than if you spread them out. (better CL and AAoA, no inq's)

note* chase has rarely been known to pull all 3 reports for an app, i would expect 2 and be lucky if 1.

edit: typing challenged today

Re: Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 14:16:27 GMT

@Anonymous wrote:
I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also? Since there is already 1 hard pull on score? Fico score: EQF 670, TRANS 673, EXP 658. Thanks!!

if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know...

Re: Chase Freedom question?

chalupaman — Sun, 28 Sep 2014 14:28:04 GMT

@Anonymous wrote:

@Anonymous wrote:
I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also? Since there is already 1 hard pull on score? Fico score: EQF 670, TRANS 673, EXP 658. Thanks!!
if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know...

I have never heard about the AARP being easier to get than the Freedom. Hmmmmmm and it comes with 3% cashback on gas and restaurants and there's no cap. While the 5% cashback categories from the Freedom sound great and all but I'm not even sure if I'd use all those categories or not. Now I think I have a new card consideration for the future and considering how I'm already with Chase, I'll definitely take a look at it next year or so. What scores are they looking for when it comes to the AARP? I already have an idea for the Amazon Chase card but I have no desire for that one whatsoever.

Would be kinda weird for me to have a card like that or to even think about joining AARP so young but you really got me thinking there.

Re: Chase Freedom question?

Florida1990 — Sun, 28 Sep 2014 14:36:23 GMT

With those scores I would give it a try. Even if you do not pre-qualify you never know with them.

Re: Chase Freedom question?

Anonymous — Sun, 28 Sep 2014 14:47:05 GMT

@chalupaman wrote:
@Anonymous wrote:

@Anonymous wrote:
I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also? Since there is already 1 hard pull on score? Fico score: EQF 670, TRANS 673, EXP 658. Thanks!!
if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know...
I have never heard about the AARP being easier to get than the Freedom. Hmmmmmm and it comes with 3% cashback on gas and restaurants and there's no cap. While the 5% cashback categories from the Freedom sound great and all but I'm not even sure if I'd use all those categories or not. Now I think I have a new card consideration for the future and considering how I'm already with Chase, I'll definitely take a look at it next year or so. What scores are they looking for when it comes to the AARP? I already have an idea for the Amazon Chase card but I have no desire for that one whatsoever.

Would be kinda weird for me to have a card like that or to even think about joining AARP so young but you really got me thinking there.

The Freedom needs Higher Score than the AARP, Maybe the AARP is easier to get because the AARP is Co-Branded, Another thing, The AARP comes with the same $100 if you spend $500 in 90 days like the Freedom does and for the AARP you can be any age........i haven't joined AARP, i just have the Chase AARP Credit Card

Re: Chase Freedom question?

chalupaman — Sun, 28 Sep 2014 14:49:38 GMT

@Anonymous wrote:
@chalupaman wrote:
@Anonymous wrote:

@Anonymous wrote:
I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also? Since there is already 1 hard pull on score? Fico score: EQF 670, TRANS 673, EXP 658. Thanks!!
if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know...
I have never heard about the AARP being easier to get than the Freedom. Hmmmmmm and it comes with 3% cashback on gas and restaurants and there's no cap. While the 5% cashback categories from the Freedom sound great and all but I'm not even sure if I'd use all those categories or not. Now I think I have a new card consideration for the future and considering how I'm already with Chase, I'll definitely take a look at it next year or so. What scores are they looking for when it comes to the AARP? I already have an idea for the Amazon Chase card but I have no desire for that one whatsoever.

Would be kinda weird for me to have a card like that or to even think about joining AARP so young but you really got me thinking there.
The Freedom needs Higher Score than the AARP, Maybe the AARP is easier to get because the AARP is Co-Branded, Another thing, The AARP comes with the same $100 if you spend $500 in 90 days like the Freedom does and for the AARP you can be any age........i haven't joined AARP, i just have the Chase AARP Credit Card

Makes it even better then. Seeing as how Barclays has shot me down once again (I guess they really don't like me much and I think when I got my SW card with Chase, they saw my more recent accounts and inquiries and stuff), that card is really looking like a great deal.

Re: Chase Freedom question?

Anonymous — Mon, 29 Sep 2014 14:13:59 GMT

FYI after being approved for Discover IT they pulled Equifax (fico 670) and there was NO score change from inquiry. I tried for freedom and did not get approved. Chase pulled Experian (my lowest number at 658) and the inquiry only caused a fico score reduction by 1 point ! I will not apply for any more cards for 6 months now, and then retry freedom after I get my numbers up by end of Feb.