Re: Chase Freedom not approved

Deltadog03 · ‎03-10-2015

good luck! Thats how mine went and I got the good call the next day!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

sjt · ‎03-15-2015

@Anonymous wrote:
Eq/Ex/TU put me at 658 and Fico at 678. Not approved for Chase Freedom even though CK says my chances of approval are very good for freedom and slate. No collections, 5 cards, 45% util rate and 2 yr old file. Should I even bother applying for Chase Slate?

Like the other posters mentioned it has to do with the 45% utilization ratio. If you bring it down you will probably get the card.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818

Anonymous · ‎03-15-2015

Thx, my card is in the mail

App_Addict · ‎03-15-2015

@Anonymous wrote:
Eq/Ex/TU put me at 658 and Fico at 678. Not approved for Chase Freedom even though CK says my chances of approval are very good for freedom and slate. No collections, 5 cards, 45% util rate and 2 yr old file. Should I even bother applying for Chase Slate?

I have seen many a person get misled by good ole CK! Sorry for your decline, you will win the next time!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

Chase Freedom not approved

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