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Chase freedom credit limit

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Chase freedom credit limit

What is the general starting credit limit on the chase freedom. My fico score is around 740.


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


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Message 1 of 23
22 REPLIES 22
Valued Contributor

Re: Chase freedom credit limit

I got a $4k limit when I first applied but ymmv as they say (score was in the 700's).

Message 2 of 23
Super Contributor

Re: Chase freedom credit limit


@whodatnation2 wrote:

What is the general starting credit limit on the chase freedom. My fico score is around 740.


Depends what bucket they put you in.

But it seems like $4,500 is a very standard limit for "not yet signature material" credit profiles.

 

 

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 3 of 23
Regular Contributor

Re: Chase freedom credit limit

They just gave me 24k 

NCFU Flagship(80k) DC Elite (40k) Cash Sapphire Preferred(38k) DC Premier (30k) NFCU CashRewards (25k) USAA Amex (22k) USAA MasterCard (16k) Barclay Arrival+ Elite (15k) Nordstrom (15k) BofA Rewards (12.5k) 4 Amices (50k)

As of 10/13/14
Experian: 787 - EquiFax: 798 - TU: 789
Message 4 of 23
Established Contributor

Re: Chase freedom credit limit

I received 4500 initial credit limit when I applied. Score used was 748 but I had a very thin file. Only open account at the time was 4 month old CapOne Plat MC with 300CL.

myFICO Scores 10/18/2014 : EQ (737) TU (770) EX (721)
“There will be only two classes of people – those with credit cards and those who can’t get them.” Past Diners Club President, Alfred Bloomingdale, on the future of American Finance
Message 5 of 23
Valued Contributor

Re: Chase freedom credit limit


@whodatnation2 wrote:

What is the general starting credit limit on the chase freedom. My fico score is around 740.


when your score is over 720 it really comes down to existing cards, plus income, and if they want to impress, then you will get an CL that is larger than you existing cards. 

 

the 500, and 1000 are the warning CL's okay we gave you a card, but we really don't trust you... treat us well for 6 months to a year you may get auto-luv or may be a CLI canidate. 

 

2000-4000 are typical, i was given  3000 on mine, auto-luv of $300 more after a year or so. 

 

24000 CL's are for ballers with long history, and/or great pay

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Marcus Loan. 30k second marcus load 15k.
Message 6 of 23
Valued Contributor

Re: Chase freedom credit limit

I got an intiail 5k on my chase southwest card and I'm itching to ask for CLI to 10k, wonder if its the same criteria for the freedom card as other chase cards

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 7 of 23
Regular Contributor

Re: Chase freedom credit limit

I was given a $7k Signature with only a Sears Mastercard and Barclays Apple Financing Visa - not really sure what the rhyme or reason is for their CLs.

FICO - TU: 815 | EQ: 793 | EX: 813

Sears MasterCard: $13k (1/2013)
Capital One Venture One Visa Signature: $10k (7/2015)
Amex BCE: $9.8k (3/2014)
Amex Corporate: NPSL
Chase Freedom Visa Signature: $9.5k (3/2014)
Discover it: $9.5k (3/2014)
Barclaycard Visa with Apple Rewards: $2.65k (6/2013)
Message 8 of 23
Regular Contributor

Re: Chase freedom credit limit

My Freedom opened with a 500 CL, and after 6 months it auto-CLI'd to 1000. 

 

I only had a Cap One Journey at 300 -> 500 prior, and opened Freedom as the 6th card at the end of my first app spree.

 

I've come a heck of a ways since then. Smiley Happy

CSP 10,000, Citi Forward 3400, Barclay Arrival+ 2750, BOA Travel Rewards 2700, Discover IT 1500, Chase Freedom 1000, Crap One 500
Message 9 of 23
Valued Contributor

Re: Chase freedom credit limit


@ojefferyo wrote:

I got an intiail 5k on my chase southwest card and I'm itching to ask for CLI to 10k, wonder if its the same criteria for the freedom card as other chase cards


My CSP came with a 10k limit, 6 months later I APP'd for the southwest card it came with a 20K CL, Co-branded cards seem to have lower underwriting requirements. With chase its usually better to AP for a new card and move CL's around to meet your needs than to ask for a CLI much higher chance of being declined. 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Marcus Loan. 30k second marcus load 15k.
Message 10 of 23