Chase Freedom Unlimited Application (6 months AAoA)

[Anonymous]

Hello all,
I’ve recently been trying to build credit as I moved back to the US after going to college abroad and I’ve been trying to build up credit. I opened a checking account with Chase 7 months ago and it’s my primary bank for direct deposits. I’ve been wanting to apply for the Chase Freedom Unlimited, but many on the forums say that Chase wants around 1 year of history.

I’ve checked my credit report and scores on Experian for all three and they report my AAoA as 4.7 years with all three scores hovering around 750-760.

(I have two AU cards, one 11 years old, another 1 yr 4 months, and my own card is 7 months)

However, when I checked myFico, my credit score only factors in cards under my name which is the Discover It Secured card which is 7 months old.

My income is at 100k, and I was wondering what the likelihood of being approved for the CFU card is since I’m assuming when Chase does a HP, what gets reported is my AAoA will be 7 months rather than the 4 yrs 7 months with the authorized users.

[Anonymous]

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@Anonymous wrote:
Hello all,
I’ve recently been trying to build credit as I moved back to the US after going to college abroad and I’ve been trying to build up credit. I opened a checking account with Chase 7 months ago and it’s my primary bank for direct deposits. I’ve been wanting to apply for the Chase Freedom Unlimited, but many on the forums say that Chase wants around 1 year of history.

I’ve checked my credit report and scores on Experian for all three and they report my AAoA as 4.7 years with all three scores hovering around 750-760.

(I have two AU cards, one 11 years old, another 1 yr 4 months, and my own card is 7 months)

However, when I checked myFico, my credit score only factors in cards under my name which is the Discover It Secured card which is 7 months old.

My income is at 100k, and I was wondering what the likelihood of being approved for the CFU card is since I’m assuming when Chase does a HP, what gets reported is my AAoA will be 7 months rather than the 4 yrs 7 months with the authorized users.

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Great job on the credit score, I thnk you have a chance but i'm not expert. I think everyone case is different but I found this link in another post that could help you https://www.doctorofcredit.com/knowledge-base/which-credit-bureau-does-chase-pull/

[mrfufoppss]

You will have a Better chance by opening a checking acct first with Chase

[randomguy1]

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@mrfufoppss wrote:
You will have a Better chance by opening a checking acct first with Chase

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Op stated there has been an acct open for 7 months. I think chances could go either way. If you are fine with the risk of a possible denial and HP, go for it. After 1 year I think it is pretty likely given there are no negatives or high utilization that occurs by then. 

[thornback]

You should probably wait til your primary account reaches its 1 year mark unless you receive a preapproval offer in your Chase portal prior to that - many have gotten around their "rules" through offers received in their banking portals.

Chase ignored my AU when I apped and denied based on the low age of my primary accounts - which were under a year at the time. I did not bank with them either tho so had no existing relationship. I recommend you wait it out - it's only a few more months.

[Wrigley2172]

In branch pre approvals are also a very strong indicator. If you need the card sooner than when your main card hits 1 year stop in branch and ask a banker