My approval odds for the Chase Freedom? UPDATE: Approved!!!

[Anonymous]

Dear all,

I am looking at the Chase Freedom. How would you rate my approval odds?

Current cards:

AmEx Hilton Surpass, $6,500 CL, opened 06/2019

Discover It Cash Back, $1,000 CL, opened 11/2019

Utilization: 5-8%

Fico 8 scores: EX 715, TU 712

Income: Living from husband's salary and my savings. Just moved to the US and expect my work permit to arrive in 05/2020. My last income in my home country was $78,000 and is projected to be $85-110,000 here in the US. 

Chase checking and savings account opened 3 weeks ago (joint account with hubby). We live in TX.

Thank you and have a great day!

[Anonymous]

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@Anonymous wrote:

Dear all,

I am looking at the Chase Freedom. How would you rate my approval odds?

Current cards:

AmEx Hilton Surpass, $6,500 CL, opened 06/2019

Discover It Cash Back, $1,000 CL, opened 11/2019

Utilization: 5-8%

Fico 8 scores: EX 715, TU 712

Income: Living from husband's salary and my savings. Just moved to the US and expect my work permit to arrive in 05/2020. My last income in my home country was $78,000 and is projected to be $85-110,000 here in the US. 

Chase checking and savings account opened 3 weeks ago (joint account with hubby). We live in TX.

Thank you and have a great day!

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You have controlled what you is under your control.  
For Chase I would suggest waiting until your oldest account is at least a year old.  
Given that that is not far away, I would wait.

[Brian_Earl_Spilner]

Yeah, chase can be a stickler for the 1 year mark.

[waqaszm1]

Check out the Chase prequalification link on the following post.

https://ficoforums.myfico.com/t5/General-Credit-Topics/List-of-companies-with-pre-qualify-pre-approv...

[Anonymous]

I would definitely wait until your oldest account is 1 year. Good luck!

[blindambition]

You have a strong limit on Amex. Thin profile and less than a year of history. I'd wait a year. Unless you get a preapproval in app, or branch.

[M_Smart007]

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@blindambition wrote:

You have a strong limit on Amex. Thin profile and less than a year of history. I'd wait a year. Unless you get a preapproval in app, or branch.

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Solid Advice!

[Anonymous]

welcome to texas

if applying for chase freedom from texas, you'll get hp from experian and equifax.

you'll get notification of hardpull from experian first then equifax about a day or so later.

your equifax score from the month before will be what chase will include when you receive your card.

i applied with a young file and got declined and i had to call reconsideration to get approved.

you can try that, but i suggest waiting and you will most likely get a higher sl.

good luck

[Meanmchine]

Good luck

[AllZero]

@M_Smart007 wrote:

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@blindambition wrote:

You have a strong limit on Amex. Thin profile and less than a year of history. I'd wait a year. Unless you get a preapproval in app, or branch.

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Solid Advice!

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I concur