Approved for my first Chase Freedom Card!

Anonymous · ‎02-08-2018

Hey Guys,

I'm new to the forum, but have lurked on the forums for a few years now.

Anyway I just got approved for my first Chase Freedom card! This will be my 2nd CC (non-retail) ever. I have had one Quicksilver card ($1600 CL) from CO and one Amazon retail card ($1,300).

Got approved for $6,000 w/ a 744 (Equifax pull) which is the most I've ever gotten before. This is my step in the right direction for more purchasing power.

I probably could have gotten more, but I'm typically honest w/ my income when asked during apps.

What kind of CLIs can I see in the near future after using the card for 6 months. Do they normally increase by about 20% like most CC issuers do based on your CL when it comes to Chase? Capital One has always been stingy and only ever gave me increase of $200-300 per 6 months.

Anonymous · ‎02-08-2018

Congrats on your second major credit card. Chase is tougher on cli’s. And when you initiate one it’s a hard pull. But people do get increases, I had an automatic double limit increase. For me putting lots of swipes thru my Chase Amazon VISA seemed to do the trick. I always PIF. Maybe others can add experiences to give an idea. YRMV.

Anonymous · ‎02-08-2018

Congrats,

Nice Score...

Anonymous · ‎02-08-2018

Is it really a hard pull? I spoke with a rep just now and they said it'd be a soft one, it could be misinfo, though. I plan on putting the CO card down for a little while and swiping this one for everyday purchases (gas, groceries, etc.) and PIF monthly. Especially, now since I want to get the $150 bonus asap.

I'm not too worried for now. $6K to me is what the big boys and gals w/ 15K+ limits is.

I figure if I use this frequently for the next year and apply for another card down the line, I should be able to reach a goal of getting my first $10K+ SL once this thing begins reporting and I get some time with it.

Only time will tell! Thanks for the congrats guys

BronzeTrader · ‎02-09-2018

Very nice approval. Now we have 3 of those cards. Tempting to PC my Chase FU card to the #4 card...

ShatteredK · ‎02-09-2018

Congrats on getting approved and joining Chase!

.:: AmEx Gold Delta | AmEx Blue Cash | Citi AAdvantage | Chase Amazon Prime Signature Visa | Wells Fargo Platinum::.
02.15.18:

Today:

toadsworth · ‎02-09-2018

With those scores, you very well could get that 10k limit now with Amex. They gave me my first 10k limit when I was just a few months into getting started with credit.

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

BungalowMo · ‎02-09-2018

Congrats on the card!!

I have the Freedom & the Slate & both make me call the number to ask for an increase

I got an email once saying I'm approved for an inc & I hit the button & got it. I can't recall which of the 2 cards it was for.

BK 7 discharge 06.24.2020 No Fico score at all.

AverageJoesCredit · ‎02-09-2018

Job well done

. Yup, Chase will almost always be hp for cli. A very few get auto luv but your plan to use it alot sounds good. You'll probably open up more doors with Chase that way.

Anonymous · ‎02-09-2018

Congratulations on your approval. Decent SL from Chase, but they are not the best when it comes to auto increases