PLEASE ADVISE - Chase Freedom Unlimited $300 Bonus Offer

[Anonymous]

I've been with Chase for a few years. I've never gotten any prequals when I submitted them or on my Offers page. After the new year I noticed that I have a green check mark next to my Offers. I check it. And there is the CFU $300 bonus offer. I'm going through posts trying to find advise on whether I should go for it. I did see one person who was denied even with the offer.

My score dropped due to increased util after the holidays (from 0 to 15%; will be back down below 5% by end of Feb). And I was just denied for this card in October due to some paid chargeoffs.

My plan was to app for the NFCU Flagship in March as a CLI on my CLOC. I expect those to hit my EQ and TU and I know chase usually goes for TU and EX for me. Is it worth it to give into the little green check mark for the CFU now?

[CreditCuriosity]

Great offer IMO.. If you have the pre-approval that is the golden ticket and 15% utilization isn't awful.  Go for it if you want it as you won't get a more generous sign-up bonus on that card.  Unless you prefer the CSP/CSR and are close to 5/24.  If over 5/24 then obviously it is a no brainer for most.  Denials are VERY RARE if you got the check mark, but certainly can happen if something jolted your CR.

[Anonymous]

That’s an amazing offer. I’d go for it without a doubt. I use the Freedom, Freedom Unlimited, and CSR for 98% of everything. I’d use this card heavily with the bonus and pick up the CSP or CSR and combine the points - you can then transfer out or get more value out of them with travel redemptions.

[bourgogne]

I am with the enablers here, pull the trigger!  lol.  was your co post getting your current chase card?  what was the approval date of the card and your internal score? 

[UpperNwGuy]

In my opinion, the Chase Freedom Unlimited, especially when paired with one of the Sapphire or Ink cards, is a much better card than the NFCU Flagship Rewards.  I'd go for it.

[Anonymous]

You guys have my finger itching!!! So I ran to a branch before it closed and the banker said he didn't see any pre-approvals for me...however the only thing that has changed since I got the little green check mark is my utilization and I think an inquiry fell off.

I wanted to go for Flagship b/c I know they max out at $80K in time. My CL was only $7200 (3 Cap Ones) when Navy offered me $15Kfor a Cash Rewards in Oct while Amex only gave me $1K and Chase declined my CFU app. At the time my scores were around what you see in my signature. I know my Equifax FICO took an almost 20 point hit between the new accounts and current util. But the little check mark appeared after my AMEX was finally reported on my CRs in December. I'm wondering if the AMEX is the magic ticket to getting the Chase offer...

No more apps for me after March. Whatever cards I get between now and then will be it until I buy my house in late 2019 to early 2020...

And now they sent me an alert about the offer and have it sitting under my checking account when I log in...the torture!!!

[Anonymous]

Chase is a weird one -- If you have the green check mark under my offers in your online account, I would go for it now before it disappears. The green check marks have been as solid as the in branch pre approvals. I never get the green check marks, yet always have pre approved offers and my wife gets the green check marks (always approved) but never any in branch pre approvals, so I'd go for it. Worst case it is one inquiry for a great card wtih an amazing offer.

[Anonymous]

UPDATE: I pulled the trigger. Got the 30 day message. Called the robo lady (800-423-3117) immediately after and heard the 30 day message. Should I call to speak with a rep or give it a few hours?
 
ANOTHER UPDATE: I called because my patience is now invisible. So she said it's only showing as pending right now.
AND ANOTHER: 12hrs after app, it is Under Review with 7-10 message via robot and live rep. Rep said it's very early and usually takes 2 weeks.

[bourgogne]

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@Anonymous wrote:
UPDATE: I pulled the trigger. Got the 30 day message. Called the robo lady (800-423-3117) immediately after and heard the 30 day message. Should I call to speak with a rep or give it a few hours?
 
ANOTHER UPDATE: I called because my patience is now invisible. So she said it's only showing as pending right now.
AND ANOTHER: 12hrs after app, it is Under Review with 7-10 message via robot and live rep. Rep said it's very early and usually takes 2 weeks.

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call 888-270-2127  and see if they need to verify you

[Anonymous]

Thank you bourgogne! I called and they said my Experian was frozen so I just took it off ice and I'm about to call them back.