myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Chase Freedom flex- What?

tag
Get Access Now
FalconSteve
Valued Contributor
‎08-02-2023 07:42 AM
‎08-02-2023 07:42 AM

Chase Freedom flex- What?

So Chase gave me a "Just for you" offer that even had a starting limit of $19,000 on six cards.

 

I decided to accept the offer on a Chase freedom flex. Then Chase actually gave me a 5-7 day message!

I have an 800+ credit score

 

Any idea what that means?

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 1 of 11
0 Kudos
Reply
10 REPLIES 10
PNWRambler
Frequent Contributor
‎08-02-2023 07:47 AM
‎08-02-2023 07:47 AM

Re: Chase Freedom flex- What?

Usually 7-10 day message means you've been denied.  The 5-7 day message might just means they're manually reviewing it, I couldn't say why though.  If that's the case you can probably call the backdoor number and find out.

Message 2 of 11
Reply
FalconSteve
Valued Contributor
‎08-02-2023 09:20 AM
‎08-02-2023 09:20 AM

Re: Chase Freedom flex- What?

@PNWRambler wrote:

Usually 7-10 day message means you've been denied.  The 5-7 day message might just means they're manually reviewing it, I couldn't say why though.  If that's the case you can probably call the backdoor number and find out.

So, don't give up hope?

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 3 of 11
0 Kudos
Reply
FireMedic1
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎08-02-2023 09:25 AM
‎08-02-2023 09:25 AM

Re: Chase Freedom flex- What?

Might be verification stuff needed also. Wasnt a straight denial. You can always call recon if it is a denial and plead your case. Fingers crossed!


Message 4 of 11
Reply
FalconSteve
Valued Contributor
‎08-02-2023 10:40 AM
‎08-02-2023 10:40 AM

Re: Chase Freedom flex- What?

@FalconSteve wrote:

So Chase gave me a "Just for you" offer that even had a starting limit of $19,000 on six cards.

 

I decided to accept the offer on a Chase freedom flex. Then Chase actually gave me a 5-7 day message!

I have an 800+ credit score

 

Any idea what that means?

So, the problem was that my credit reports were frozen and they required additional verification. Thanks to Scamp for the list of phone numbers for several credit card companies.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 5 of 11
Reply
PNWRambler
Frequent Contributor
‎08-02-2023 10:58 AM
‎08-02-2023 10:58 AM

Re: Chase Freedom flex- What?

Glad you got it figured out.  Good luck with the process!

Message 6 of 11
Reply
FalconSteve
Valued Contributor
‎08-02-2023 11:53 PM
‎08-02-2023 11:53 PM

Re: Chase Freedom flex- What?

@PNWRambler wrote:

Glad you got it figured out.  Good luck with the process!

Thanks

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 7 of 11
0 Kudos
Reply
BigK1995
Valued Member
‎08-03-2023 05:07 PM
‎08-03-2023 05:07 PM

Re: Chase Freedom flex- What?

I'm getting ready to apply for the flex due to the good sub it has currently, which bureau did they pull?



Message 8 of 11
0 Kudos
Reply
drewricomakeubu
Frequent Contributor
‎08-03-2023 05:47 PM
‎08-03-2023 05:47 PM

Re: Chase Freedom flex- What?

@BigK1995 wrote:

I'm getting ready to apply for the flex due to the good sub it has currently, which bureau did they pull?

It depends. This thread has a lot of good info. 
https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

 

I live in KY and they double pull EX and TU for me. 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800
Chase Ink Unlimited $12,500
American Express BCP: $12,000
Chase Sapphire Preferred $17,100
Blue Business Plus $10,000
Chase Ink Cash $10,000
Capital One Venture X $17,500
American Express Gold
Amazon Prime Amex $9,000
Chase Freedom Unlimited $5,000
Amex Blue Business Plus $6,000
U.S. Bank Business Triple Cash Rewards $3,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 9 of 11
Reply
FalconSteve
Valued Contributor
‎08-04-2023 08:24 AM
‎08-04-2023 08:24 AM

Re: Chase Freedom flex- What?

Experian (PA)

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 10 of 11
0 Kudos
Reply
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.