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Chase Freedom - To App or Not to App (UPDATED - Approved!)

sandcat
Regular Contributor

Chase Freedom - To App or Not to App (UPDATED - Approved!)

I'd like to try if there's a reasonable chance of approval, but not take the hard pull if it's hopeless. It's hard to not want to move up to the grown ups table.  Smiley LOL 

 

Scores are good, EX 769 0 INQ, TU 750 1 INQ, EQ 750 1 INQ.  I bank with Chase and have way more than 10K in my accounts.  No baddies, but I only have about 8 months of history. 

 

Update - Instant approval for $1500!

In the garden as of 5/5/2018. Growing things until 2020. Or longer.
Message 1 of 11
10 REPLIES 10
Chynnac
Frequent Contributor

Re: Chase Freedom - To App or Not to App

Im not sure why you would NOT be approved. 

Nov 2014 500s April 2016 TU 707 EQ 690 EX 663 May 2017 TU 718 EQ 708 EX 701
CSR 12K United Explorer 12k Cap One QS 10.6K Discover 7.8k Freedom 4k Unlimited 4.4k AMEX Platinum NPSL
Message 2 of 11
220
Established Member

Re: Chase Freedom - To App or Not to App

go for the ultimate.but be ready to call back door number for a recon. tell them you have 10k  in chase account

boa rewards $1600 3/15
amex bce $2000 12/15
amex everyday $8000 6/2/16
chase freedom $1000 10/15
chase unlimited $9000 4/16
chase sapphire p $9000 5/16 and boa travel rewards $5800 6/16 discover $4500 6/16 fico8: TU. 700 EQ. 710 EX. 700 on 10/16 INQ:TU 5/EQ 1/EX 7
Message 3 of 11
tridente
Regular Contributor

Re: Chase Freedom - To App or Not to App

I agree with Chynnac, it looks like your chances of getting the Freedom are very good. Banking with Chase is a big help, in my experience. Good luck!

Message 4 of 11
SouthJamaica
Super Contributor

Re: Chase Freedom - To App or Not to App


@sandcat wrote:

I'd like to try if there's a reasonable chance of approval, but not take the hard pull if it's hopeless. It's hard to not want to move up to the grown ups table.  Smiley LOL 

 

Scores are good, EX 769 0 INQ, TU 750 1 INQ, EQ 750 1 INQ.  I bank with Chase and have way more than 10K in my accounts.  No baddies, but I only have about 8 months of history. 


It is rumored that Chase likes to see a year of history.

 

I have no idea if that's true or not but it seems like they'd be nuts not to give you the Freedom if you applied.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 5 of 11
GDanzy
Valued Contributor

Re: Chase Freedom - To App or Not to App

Did you check to see if you pre-qualify for any of their cards? If you Google  "Chase pre-qualify" you will be able to get to link for their pre-qualification site. 

 

Good luck!

Message 6 of 11
RonM21
Valued Contributor

Re: Chase Freedom - To App or Not to App

I would think you would be approved also. It wouldn't hurt to check the prequal site either.
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 7 of 11
sandcat
Regular Contributor

Re: Chase Freedom - To App or Not to App

I didn't have any prequals, but I went for it anyways.  Approved, SL $1500!  APR is high but not relevant since I'll never carry a balance.  And it's a foot in the door with a prime lender, when my only other card is a Cap1 secured. (And a foot securely crooked around a chair leg at the grown ups' table. Smiley Very Happy)

 

Thanks all for the enouragement!  No idea why I'm so timid with these things, since all they can do is say no and I'd have moved on to some other lender that wanted my business.  The next one will be easier, but that won't be for a while.

In the garden as of 5/5/2018. Growing things until 2020. Or longer.
Message 8 of 11
Jerry45
Valued Contributor

Re: Chase Freedom - To App or Not to App (UPDATED - Approved!)

Congrats. Chase likes the 10k to start in accounts

Message 9 of 11
Jerry45
Valued Contributor

Re: Chase Freedom - To App or Not to App


@sandcat wrote:

I didn't have any prequals, but I went for it anyways.  Approved, SL $1500!  APR is high but not relevant since I'll never carry a balance.  And it's a foot in the door with a prime lender, when my only other card is a Cap1 secured. (And a foot securely crooked around a chair leg at the grown ups' table. Smiley Very Happy)

 

Thanks all for the enouragement!  No idea why I'm so timid with these things, since all they can do is say no and I'd have moved on to some other lender that wanted my business.  The next one will be easier, but that won't be for a while.


After some months of payments, your second chase card will get the big CL.

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