Chase Freedom Approval Odds

[sjt]

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@Anonymous wrote:

Tried the pre-approval page. No love. Says offers are not available at this time. I also have no chase banks in my area. Do you recommend i pull the trigger?

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+1

I agree, try the pre-qual page at the Chase website. If you dont have any offers, I would still apply.

[Anonymous]

Not enough information provided to give you a good answer here.

For example, Chase likes to see around 1 year (or more) of credit history.  You didn't mention your age of history, so it's hard to say.

I'd suggest going to the credit pulls database and looking there at people that were approved and denied for the card and compare their profiles to yours.

[PointLager]

Why would you waste a hard pull on freedom? Grab sapphire pref, AF WAIVED year one and a higher bonus then at renewal downgrade to freedom. Most seasoned chutners would advise this

[PointLager]

Edit: churners

[Anonymous]

Here's my feelings on "approval odds" threads, from about a year ago:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Should-I-app-for-Would-I-get-approved-for-t...

[K-in-Boston]

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@PointLager wrote:
Why would you waste a hard pull on freedom? Grab sapphire pref, AF WAIVED year one and a higher bonus then at renewal downgrade to freedom. Most seasoned chutners would advise this

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With limited history, the Freedom card is a much easier target as the CSP requires a minimum $5k starting line.  OP mentioned $9 BOA 1 year and new $1k Discover - the odds of Chase giving a SL greater than or equal to $5k are much lower.  If OP is approved, a CSP or CSR later should be much easier to obtain.

[K-in-Boston]

Also, @Anonymous I didn't realize that you had also started this topic in Credit Cards after replying to your duplicate post in Credit Card Applications.  There's no need to cross-post as this is a very active board.  As you can see, you're getting lots of replies!

[Anonymous]

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@K-in-Boston wrote:

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@PointLager wrote:
Why would you waste a hard pull on freedom? Grab sapphire pref, AF WAIVED year one and a higher bonus then at renewal downgrade to freedom. Most seasoned chutners would advise this

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With limited history, the Freedom card is a much easier target as the CSP requires a minimum $5k starting line.  OP mentioned $9 BOA 1 year and new $1k Discover - the odds of Chase giving a SL greater than or equal to $5k are much lower.  If OP is approved, a CSP or CSR later should be much easier to obtain.

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Agreed, and combine it with the Freedom Unlimited... Chase should combine the hard pulls. 

[Anonymous]

I would wait till discover reports with your reduced Util %. I have seen chase being sensitive to “pyramiding” not saying u fall underneath that category but if they see 95% on a month old account they might get nervous.

[K-in-Boston]

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@Anonymous wrote:
I would wait till discover reports with your reduced Util %. I have seen chase being sensitive to “pyramiding” not saying u fall underneath that category but if they see 95% on a month old account they might get nervous.

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Sorry if I introduced confusion here; the 95% util was me (over a year ago), not the OP.  I was spending like crazy on a low $2500 starting line trying to prompt a massive CLI.  I don't believe OP has mentioned utilization at all; it was just the mentioning of it being reported to the CRAs prior to the first statement being generated brought that repressed memory back.  LOL