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Today at midnight I was officially out of 5/24! I applied for the CFU at 12:15am and got the 7-10 day notice. Called the automated line right after applying and this morning before calling in and it said the same thing.
I called into Recon and after few quick questions regarding income, housing, and employment, I was approved for the CFU with SL of 3.1K!
Here are the datapoints:
Age: 20
Income: $16,000
Credit Profile: 5 Previous cards, one of which was a Chase Freedom that I have had for 6 months.
Bureau Pulled: EX
Inquiries on EX: 5
EX FICO - 792
Clean report, no baddies
AAoA - 1.5 years without AU backdate (5.2 years with AU backdate)
1% Util
Cold App - No Prequal or Offers at the time of application
My oldest card hit 2 years on 4/1/18 but I decided to wait until 5/1/18 to be safe and it paid off! Now hopefully the UR points don't get devalued because I'm planning on making the CFU my daily driver for non-category spend ![]()
Thanks to everyone on this forum for all the help and knowledge!
Congrats on the Chase approval!!
Thanks for all of the data points as well.
Congrats!!
Keep up with the clean profile. Be smart ![]()
Congrats on Approval
LOL I had no idea what username to pick and I figured I love Chase cards enough to pick JP ![]()
@AverageJoesCredit wrote:
Big congrats
Seeing JP MORGAN app a Chase card, I wanna channel some Alanis