Chase Freedom (Approved/Denied/ IDK)

[Boss2Boss]

Hi everyone,
This is my first post here and I need some help.
I just applied for the Chase Freedom card and received this message below.. What should I do? Please help 😯

*We need to review your request a little longer. We will let you know our decision as soon as possible.

[Anonymous]

Without knowing the details of your credit report, we can only offer advice you'd routinely find on Google. Welcome to MyFico btw!

They might need to review your information because of a fraud alert, security freeze or some other inquiry needed to complete it. Have you opened more than 5 accounts within the past 24 months? Is your credit profile older than 1 year?

[Boss2Boss]

They pulled Equifax FICO 8 706 and Experian FICO 8 713. I removed both credit freezes before I applied. I have only opened three accounts within the past 24 months Discover It, Capital one Quicksilver and NFCU Cash Rewards.

[simplynoir]

Welcome to the forums, @Boss2Boss!

Have you called the Chase automated line to see what message you receive for your app? It can vary from 30 days, 2 weeks or 7-10 days. Call 1-800-432-3117 to check and we can help from there

[Boss2Boss]

It said I will be notified in 30 days of the status of my application.

[simplynoir]

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@Boss2Boss wrote:
It said I will be notified in 30 days of the status of my application.

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That means they still need to look over the app. This is actually the next best message to get other than an automatic approval. Just check the status line daily if you like to see when the message changes. Things are still looking good for you.

[Boss2Boss]

Thank you. I was so nervous because I did the preapproval and nothing came back. So I decided to just apply. Im going into the garden after this my nerves cant take this. 😬

[CreditInspired]

Boss2Boss

Were all three 24 mos ago? If no, how many 3mos ago/6mos ago/12 mos ago. Any denials during that time period. Any baddies? What’s your UT?

[Boss2Boss]

Discover IT 7/14/19, Capital one Quicksilver 9/22/19 and NFCU Cash rewards 9/26. No baddies. Utilization 20%.

[Anonymous]

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@Boss2Boss wrote:
Thank you. I was so nervous because I did the preapproval and nothing came back. So I decided to just apply. Im going into the garden after this my nerves cant take this. 😬

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pre-approvals are at best misleading anyway.

I never got pre-approvals for the big players and just ended up taking a head first approach to them and they've all grown to nice CL's.

Amex - 55K

Disco - 50K

BOA - 65K

Chase - Aggregate 70K+

Just focus on what you want and not what they offer and life is good!!!

If you want big limits... then go for the ones with money to burn... if you want stability and a low APR then you need to look at CU's... it's good to have a few of both if needed.