Chase Freedom Application Pending

[Anonymous]

Hello!

My current score on FICO is 759. I have a total of five credit cards. The oldest being open 2 years and 10 months ago. The second oldest being 1 year and 7 months ago. My last three credit cards has been open just this year. I understand that Chase has the 5/24 rules however I did only open 4 within the last 24 months. I am wondering what are my chances they may send me an acceptance letter or am I hoping for too much haha?

[randomguy1]

Should be decent unless you were added as an AU in the last 24 months which counts against 5/24. However you can recon and mention that.

[Remedios]

Hi and welcome!
You weren't denied right at the door, so that's a good news.
Whatever they are doing on their end, let the process play itself. If you dont hear from them in three weeks or so, call.
It could be something as simple as verification, in which case you will get a letter explaining what the next step is.
If you call now, there is a decent possibility that frontline Chase CSR wont really know the status or will tell you that there is no application in the system and advise you to re apply. That would be bad, and it happens frequently enough to be of concern.
So, let them do their thing and be patient.
In the meanwhile, feel free to call automated line and check status that way.

[CreditInspired]

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@Anonymous wrote:

Hello!

My current score on FICO is 759. I have a total of five credit cards. The oldest being open 2 years and 10 months ago. The second oldest being 1 year and 7 months ago. My last three credit cards has been open just this year. I understand that Chase has the 5/24 rules however I did only open 4 within the last 24 months. I am wondering what are my chances they may send me an acceptance letter or am I hoping for too much haha?

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Hi there

In order to get a clearer picture, can you list your 5 CCs, CLs and UT on each one? It appears your AAOA is around 1.5 yrs. How many inqs in the last 6/12 months. Last question, what are your 3 FICO scores?

[Anonymous]

Bank of America Cash Rewards Visa CL- $2,700 UT-8%

PayPal Mastercard CL- $1,750 UT-5%

Amazon Prime Visa Signature CL- $1,500 UT-18% (Amazon Prime Renweal recently :/)

Discover It CL- $6,000 UT-3%

Shell Gas Mastercard CL- $3,000 UT- 2%

Total CL- $14,950 Total UT-5%

One hard inquire from Discover.

Tranunion 759

Equifax 759

Experian 754

[Anonymous]

 I just check the status of my application on Chase Automtaic number and they say it currently needs to be review. I'll call Chase during the weekday and see what is going then. Thanks.

[Anonymous]

Did you take note of how many days the automated response says that they will need to review the application?

If it's 30-day message I would just wait until it changes to another message.

[randomguy1]

https://imgur.com/a/oXlPW

[Anonymous]

Okay called the automatic number yesterday and a couple of minutes ago. It said my application has not been processed yet and please wait thirty days for a response. I did apply for the credit card on last Friday night. I plan to keep calling until I get a different response and follow that Chase Approval Guide. Thanks, everyone.

[PutThatMoneyOnTheTable]

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@Anonymous wrote:

Okay called the automatic number yesterday and a couple of minutes ago. It said my application has not been processed yet and please wait thirty days for a response. I did apply for the credit card on last Friday night. I plan to keep calling until I get a different response and follow that Chase Approval Guide. Thanks, everyone.

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Or just speak to a representative.

I got the message too when I applied "7-10 Business Days", the representative told me what was needed for the verification process.