Chase Freedom Flex in Branch

[TSlop]

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@Citylights18 wrote:

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@Anonymous wrote:

In branch doesn't bypass 5/24 unless it's pre-approval

If you have a pre-approval for or have  Freedoms or Sapphires you could just get those and PC it. 

You just picked up a handful of LOCs, those are revolvers, ya know?

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If I PC my Chase Freedom card I miss out on the opportunity to double dip with both a CFU and a CFF.

Think about Q4. During Christmas break I decide to schedule a trip to Puerto Rico. The total cost is $2500. Use Pay Pal Key to buy it through a online travel agency. If you have both the CFU and CFF you could split it up and earn $12500 points ($2500 x 5). Its a way to double your rotator spend if you have both of them.

Nothing I've picked up has reported yet so it gives me a fighting chance at the CFF in branch. 6/24. 4/12. 2/6. If I don't get it there is nothing to lose as I am already at 12 HPs with Experian.

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I'm having a tough time deciding if I want to PC or wait to apply for the CFF.

I definitely want the card, since I don't have a personal MC and I'd like the phone insurance. I could PC now and start paying my cell phone bill with it. Or, I can wait until April when I'm 4/24 (or earlier with a pre-approval) and get a new SUB. I'm not really sure I want to add another card unless it is something I already had an eye on, like a Marriott or Hyatt card. I also don't spend enough to max a category, so I don't really need 2 either.

Decisions, decisions....

[SouthJamaica]

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@Citylights18 wrote:

Thinking of picking up the Chase Freedom Flex in branch since I'm 5/24 until next July (assuming I don't get anything else in the meantime).

Do you think I've got a shot to sneak in a CFF? My scores are well north of 700 so that isn't a factor. But I just have to wonder if Chase will "loosen up" to move a new product like the CFF when its hot off the pressses.

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Just go into a branch and ask if you're preapproved for it. If so, then that overrides 5/24.

I would say that Chase doesn't 'loosen up' but it sounds like you're in decent shape for this application.

[Citylights18]

I set an appontment today with my local branch to apply in person for the CFF.

I don't feel I have anything to lose as I already have a ton of inquires in the past 24 and thick file.

The Hyatt approval I think was actually at 5/24 (counting 1 store card). Then I was approved for AMEX Green 1 day later.

I don't know if I made it because they weren't counting the store card or if it was just Hyatt not counting. 

With 2 new PLOCs on the way then possibly 2 buisness cards from other issuers I won't be under 5/24 for 21 months. Who knows where things will be in 21 months from now. Therefore I might as well give it a shot and prove myself wrong or right on the CFF. 

[Citylights18]

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@SouthJamaica wrote:

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@Citylights18 wrote:

Thinking of picking up the Chase Freedom Flex in branch since I'm 5/24 until next July (assuming I don't get anything else in the meantime).

Do you think I've got a shot to sneak in a CFF? My scores are well north of 700 so that isn't a factor. But I just have to wonder if Chase will "loosen up" to move a new product like the CFF when its hot off the pressses.

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Just go into a branch and ask if you're preapproved for it. If so, then that overrides 5/24.

I would say that Chase doesn't 'loosen up' but it sounds like you're in decent shape for this application.

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I'm 770 average with a DTI of 11%. 

Good of time as any.

[Anonymous]

if going into the branch to apply for a new card, is it possible to get a cli on your current chase card with the same hp or would they do another hp for the cli request?

[blindambition]

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@Anonymous wrote:

if going into the branch to apply for a new card, is it possible to get a cli on your current chase card with the same hp or would they do another hp for the cli request?

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Everything with Chase is an HP, sometimes 2 HP.

[blindambition]

Keep us updated @Citylights18!! I hope it works out! Interested in the outcome.

[Meanmchine]

Good luck and keep us updated !

[Anonymous]

I'm not sure, but the customer service rep at Chase told me you can only apply to their cards online. Unless she doesn't know what she's talking about.

[HappyGoLucky4U]

What was the store card?