Chase Freedom

[adelphi_sky]

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@Anonymous wrote:

I would say if you got the 30 day message you may have a good shot at it. It's the 7-10 day that usually means denial. What is your credit profile look like?

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My score is in the low 700s. No bad reports in over ten years. Been on time with all debts. 

I have two Chase cobranded cards with a combined CL of $7000. Both at 0 balance. 

I have other zero balance cards but 2 cards have relatively high balances. But those were for emergency house repair. Not really used for balling out of control.

I would say I have one or two CC inquiries in the last 18 months. I did shop around for a consolidation loan earlier this year. From a brief research I either at 4/24 or on the cusp at 5/24 CC inquiries. But again, those cards are my long term cards. 

[Anonymous]

What is your total utilization on your cards?

[adelphi_sky]

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@Anonymous wrote:

What is your total utilization on your cards?

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About 50%. This includes 5 cards at zero that are PIF monthly and the high balance home repair balances. My highest balance is $17k the second highest balance is $5k. I mean if they ding me on the high balance cards, it is what it is. Can't neglect home repairs. 

[Anonymous]

Do you have 5 new cards that were opened in the last 24 months? Read about the Chase rule, if you have not already.

[SecretAzure]

Hi, I got this card in March of this year. My strong advice would be to wait. Let everything age and get down to about 30% balance. Wait 6 months. Your scores can only rise now. Your spend is on 1 card, which is preferred. I got approved for 6K with my ~30K annual income and an AAOA less than 2 years. Within 2 months, they bumped me up to $7.5K. They like to see that you spend but are very careful about approving people with too many new accounts (which it seems you have).

Just my thinking. I'd rather get approved later for a higher SL than earlier with a lower SL since Chase is so stingy with CLI's.

[adelphi_sky]

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@Anonymous wrote:

Do you have 5 new cards that were opened in the last 24 months? Read about the Chase rule, if you have not already.

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I may be at 4 or 5. There is one card that was opened December 2013. And I am aware of the 5/24 rule. Although I became aware of it just after applying. If I knew ahead of time, I would more likely have pulled my credit report before applying. But since the app is already in, I won't bother.

[Anonymous]

30 day notice is still hopeful. Wait it out and see what happens. You could try the backdoor number and talk to someone.

[Anonymous]

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@SecretAzure wrote:

Hi, I got this card in March of this year. My strong advice would be to wait. Let everything age and get down to about 30% balance. Wait 6 months. Your scores can only rise now. Your spend is on 1 card, which is preferred. I got approved for 6K with my ~30K annual income and an AAOA less than 2 years. Within 2 months, they bumped me up to $7.5K. They like to see that you spend but are very careful about approving people with too many new accounts (which it seems you have).

Just my thinking. I'd rather get approved later for a higher SL than earlier with a lower SL since Chase is so stingy with CLI's.

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He already applied.....

[adelphi_sky]

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@Anonymous wrote:

30 day notice is still hopeful. Wait it out and see what happens. You could try the backdoor number and talk to someone.

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Yeah. That's all I can do. It all started when I inquired about upgrading my Marriott Rewards to the Ritz Carlton. Of course they were more than welcome to do that. But then I asked about the CSP and they said to put in an app. So, I took them up on it. About an hour later I read about the 5/24 rule. lol 

[SecretAzure]

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@Anonymous wrote:

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@SecretAzure wrote:

Hi, I got this card in March of this year. My strong advice would be to wait. Let everything age and get down to about 30% balance. Wait 6 months. Your scores can only rise now. Your spend is on 1 card, which is preferred. I got approved for 6K with my ~30K annual income and an AAOA less than 2 years. Within 2 months, they bumped me up to $7.5K. They like to see that you spend but are very careful about approving people with too many new accounts (which it seems you have).

Just my thinking. I'd rather get approved later for a higher SL than earlier with a lower SL since Chase is so stingy with CLI's.

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He already applied.....

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Found out to late but it's still good info for anyone who might be reading this thinking "Hmm...that card seems fantastic" and has a similar profile. 

Since 11/6/15 I have racked up $117 in cash back just from Amazon. I'm loving this card.