Chase freedom

[Anonymous]

I really want to take advantage of the chase freedom $200 bonus before it goes away. My current scores are: 615EQ, 625TU, 684EX. I have 2 collections on my EQ files which is a midland cap 1 (paid) account and AFNI(paid). The midland is set to be removed in Aug/Sept. TU only has 1 neg collections account which is AFNI, and my EX file is clean. I've been banking with chase for 3 years now. I currently have 2 cap 2 cc's(500secured/850qs) and a 900 secured loan. I live in Florida. Do you guys think I have a chance of being approved?

[GoldSorata]

Historically Chase has also done the $200 bonus in November as well. If you have things that would be cleaned up by then might be worth waiting to app then (assuming they do it again in November)

Also, check their prequal site to see if you have a prequal offer, it should give you a much better chance if they give you a prequal and it'll only likely be a TU pull.

[TRC_WA]

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@Anonymous wrote:

I really want to take advantage of the chase freedom $200 bonus before it goes away. My current scores are: 615EQ, 625TU, 684EX. I have 2 collections on my EQ files which is a midland cap 1 (paid) account and AFNI(paid). The midland is set to be removed in Aug/Sept. TU only has 1 neg collections account which is AFNI, and my EX file is clean. I've been banking with chase for 3 years now. I currently have 2 cap 2 cc's(500secured/850qs) and a 900 secured loan. I live in Florida. Do you guys think I have a chance of being approved?

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 BOA CO 7/2015, CAP1 CO & Midland 8/2015, TMobile/AFNI 11/2015

What's the BOA?

Right now... no chance.  Take care of the baddies.

[Anonymous]

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@TRC_WA wrote:

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@Anonymous wrote:

I really want to take advantage of the chase freedom $200 bonus before it goes away. My current scores are: 615EQ, 625TU, 684EX. I have 2 collections on my EQ files which is a midland cap 1 (paid) account and AFNI(paid). The midland is set to be removed in Aug/Sept. TU only has 1 neg collections account which is AFNI, and my EX file is clean. I've been banking with chase for 3 years now. I currently have 2 cap 2 cc's(500secured/850qs) and a 900 secured loan. I live in Florida. Do you guys think I have a chance of being approved?

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 BOA CO 7/2015, CAP1 CO & Midland 8/2015, TMobile/AFNI 11/2015

What's the BOA?

Right now... no chance.  Take care of the baddies.

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BOA is bank of america but that has been removed from all my credit files this month. 

[morgacj2004]

Since you have had a CHASE bank acct for the past 3 years I would go to your Personal Banker for help. I have been told they can sometimes help clients get approved esp if you have a nice chunk of change in your acct and a good hx with them (no overdrafts, returned items, etc).

[Anonymous]

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@morgacj2004 wrote:

Since you have had a CHASE bank acct for the past 3 years I would go to your Personal Banker for help. I have been told they can sometimes help clients get approved esp if you have a nice chunk of change in your acct and a good hx with them (no overdrafts, returned items, etc).

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This^^^^^... Chase relies heavily on their internal score.  Go to the branch and do it there because the persona lbanker can recon on your behalf.  If you do take it, update with results.

[Dw4250]

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@Anonymous wrote:

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@morgacj2004 wrote:

Since you have had a CHASE bank acct for the past 3 years I would go to your Personal Banker for help. I have been told they can sometimes help clients get approved esp if you have a nice chunk of change in your acct and a good hx with them (no overdrafts, returned items, etc).

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This^^^^^... Chase relies heavily on their internal score.  Go to the branch and do it there because the persona lbanker can recon on your behalf.  If you do take it, update with results.

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Ive heard this is true as well but isnt there a deposit requirement (i.e. $25,000 in total deposits)

[Anonymous]

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@Dw4250 wrote:

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@Anonymous wrote:

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@morgacj2004 wrote:

Since you have had a CHASE bank acct for the past 3 years I would go to your Personal Banker for help. I have been told they can sometimes help clients get approved esp if you have a nice chunk of change in your acct and a good hx with them (no overdrafts, returned items, etc).

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This^^^^^... Chase relies heavily on their internal score.  Go to the branch and do it there because the persona lbanker can recon on your behalf.  If you do take it, update with results.

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Ive heard this is true as well but isnt there a deposit requirement (i.e. $25,000 in total deposits)

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No, it is $10,000.  But Chase factors in credit score minimally.. So OP may have a shot if they have been banking for 3 years..

[Anonymous]

I was approved and given a $2,200 limit

[Anonymous]

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@Anonymous wrote:

I was approved and given a $2,200 limit

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Congrats!