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Waiting for Approval - Chase Freedom Unlimited

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Regular Contributor

Waiting for Approval - Chase Freedom Unlimited

It was a leap of faith, but I couldn't help myself...  I applied for the Chase Freedom Unlimited 2 days ago.  Got the 30 day application pending notification online.  Called the number to check on my application and got the 7-10 day message.  They pulled Experian (my lowest FICO score 655) and TU (my highest FICO score of 733).  I had a Chase Card back in 2006-2008.  Closed in good standings.  The long holiday wait will kill me. 

 

I have read the threads here, and it seems there is no rhyme or reason to the wait times.  30 days can be approved, as well as 7-10 days...  I love surprises as long as they are positive.  Cross your fingers for me!

Rebuilding Since 4/2017 No FICO, No Credit Cards. Now FICO 8 655EX, 678 EQ, 753 TU!
Gardening 6/08/17 to 12/1/17
9 REPLIES 9
Established Member

Re: Waiting for Approval - Chase Freedom Unlimited

7-10 generally means it is a denial unless it was sitting at 30 days or 2 weeks for awhile on the phone status line. If that was the case then it switches to 7-10 then it usually means some type of verification is needed. That is what I gathered so far. Still though best to wait until whatever comes to come then call up.

Message 2 of 10
Senior Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

Good Luck!

 

What is your credit profile like (utilization, current cards, baddies, etc.)

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 3 of 10
Frequent Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

7-10 days is probably a denial. Interesting that they pulled your best and worst. You're not completely out for the count tho. Wait for the decision and then go for recon if denied!

Message 4 of 10
Regular Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

Current FICO 8 scores are

EX 655  2 medical collections due to fall off this Nov/Dec.

TU 733 No negative marks, just a thin file

EQ 678 2 Released (paid off) tax liens.

 

AU on fiancee's Cap1 Platinum with 11,200 CL, less than 5%  10 years old

My own credit builder QS1, applied for it before becoming an AU on Fiancee's card, so low 300 limit.  Due to increase next month

TU & EQ show an old closed in good standings Chase CC.  closed in 2008.

 

So I am currently waiting for the medical collections to fall off the Ex report.  But also trying to get more accounts open.  4-6 would be good.  My self lender account will be on my report within a few weeks.  That will give me 3 accounts. 

 

2 inquiries on all reports. 

 

Not really interested in a secured cc as I feel my scores are high enough to get better, and also, I am getting married in October, so my savings account is being used for that.  Not interested in running up a balance on my cc's, but I do want to have more to build my file. 

 

Considering NFCU.  My son is in the delayed entry program for the Army.  So I think I am eligible.  But there are no branches near me, so it would seem a hassle to have an extra bank account.  Currently I am with Golden1 whom I have read is very conservative.  So I have not considered applying through them yet. 

 

I don't want to go over 5 HP's, and I am currently at 2.  So I will take deep consideration before applying for anything else.  If denied the Chase, I will recon.  If still denied, I will garden for a bit longer, and just seek a CLI on my QS1.  Also will be convincing my Fiancee to change his Cap1 Platinum (the card I am an AU on)  to a QS, so we can get the rewards.  That is my ultimate goal anyways, and why I applied for the Chase Freedom Unlimited. 

Rebuilding Since 4/2017 No FICO, No Credit Cards. Now FICO 8 655EX, 678 EQ, 753 TU!
Gardening 6/08/17 to 12/1/17
Message 5 of 10
Senior Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

I think your chances are good and if denied call for a recon.

 

On a side note:

 

You should call the CRA and ask for an early deletions on the collections.

Regarding the tax liens, are they Federal? If so, you can request a Withdrawal from the IRS. Also note that it may fall off on July 1st.

 

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 6 of 10
Regular Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

Thanks for the hope @sjt.  :-)

 

If denied I will recon.  If that fails I will garden a bit longer.  No need to waste pulls. 

 

Sadly the tax liens are not going anywhere on EQ.  I disputed and TU & EX deleted them.  EQ refused to delete, and just modified them to show released. 

 

I will ask for EE in late summer, early fall for the med. collections on EX.  By then I will have several months with my self lender loan, and my score should rise a bit more.  Until then, I will just be hoping for good vibes with Chase.  :-)

Rebuilding Since 4/2017 No FICO, No Credit Cards. Now FICO 8 655EX, 678 EQ, 753 TU!
Gardening 6/08/17 to 12/1/17
Message 7 of 10
Senior Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

Keep us posted.

 

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 8 of 10
Regular Contributor

Re: Waiting for Approval - Chase Freedom Unlimited

Checked the application number again today.  Still 7-10 days.  So I will wait for denial letter and recon.

 

Ironically the inquiries did not affect my scores.  I now have 2 pulls on TU & EX, and one on EQ.  My TU score went up to 753 this morning according to CCT.  They finally show the 5% utilization on my AU account.  So I am at 0 and 5% utiliization on my cards.  It was paid down b4 I applied, and appeared on 2 of the credit reports.  I didn't realize it hadn't showed up on TU.  Maybe that had an effect on the denial. They pulled TU & EX.  EX shows 2 OLD collections though.  So I am expecting that to be the problem. 

 

I will update when I get the letter and call for recon.

Rebuilding Since 4/2017 No FICO, No Credit Cards. Now FICO 8 655EX, 678 EQ, 753 TU!
Gardening 6/08/17 to 12/1/17
Message 9 of 10
Senior Contributor

Re: Waiting for Approval - Chase Freedom Unlimited


@Chantels1 wrote:

Checked the application number again today.  Still 7-10 days.  So I will wait for denial letter and recon.

 

Ironically the inquiries did not affect my scores.  I now have 2 pulls on TU & EX, and one on EQ.  My TU score went up to 753 this morning according to CCT.  They finally show the 5% utilization on my AU account.  So I am at 0 and 5% utiliization on my cards.  It was paid down b4 I applied, and appeared on 2 of the credit reports.  I didn't realize it hadn't showed up on TU.  Maybe that had an effect on the denial. They pulled TU & EX.  EX shows 2 OLD collections though.  So I am expecting that to be the problem. 

 

I will update when I get the letter and call for recon.


Dont assume it was a denial. Call this number to check status 888-270-2127.

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 10 of 10
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