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Chase Freedom Approval...Yes Please and Thank You!

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Valued Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!


@SarahJo wrote:

@Aim_High wrote:

@SarahJo wrote:

Chase Freedom had the $200 offer, 14.99%, and 0% for 15 months BT

Congratulations!  Your application has been approved! (i'm sorry for no screen shot, I was in shock). Your limit is $21,300 :-)  Yes please and thank you Sir Chase!

EDIT: 4/24 at time of approval, single EX HP (758) so far, no negatives, AOoA 14 years, AAoA 2.5 years-ish, terms as expected in offer mentioned above, UTI <1%.


Congrats on your Chase Freedom approval and outstanding Starting Limit!   Smiley Very Happy

 

Insider Tip:  Chase is my largest lender by far and one thing I love is that I can easily move limits between cards, which I have done several times.  (My CF approval was $21.7K I believe?  But I bumped it up to an even $25.0K by moving limits.)  Easy to do with a secure message on the website or a phone call to customer service.  I mention all this because I see your CSP is at $9.7K, IHG at $12.2K and CF at $21.3K.  If it were me, I'd want a higher limit on my CSP than CF, but you can redistribute however you want.  You just can't move between business and personal credit lines.    Your total Chase credit lines are $43.2K.  For example, if you wanted to go to just $5K (each) on CF/IHG, you could have a $33.2K CL on your CSP.  Or you could bump up CSP to $16K, CF down to $15K, and leave IHG at $12.2K.  Or any of dozens other combinations.  *Also, if you later decide to close one of the cards, they will typically allow you to move all that credit to another card except for $500.  

 

So play with it and have fun! And enjoy your new Freedom card!


Yes, thank you! Your read my mind ;-)  I was tapping away on the search function to make sure of the fluidity between the Freedom and the CSP limits.  I can do this at anytime, as in not having to wait for the first statement to cut? 


I believe you can do it at any time, but I've never tried it immediately after approval.  The earliest I moved a limit was probably after a month or two when they transferred some of my credit line off my CSR to approve my Hyatt at $30K! (I later moved limits to cut my Marriott and Hyatt to just $10K each.  They started at $33K and $30K.)  A call to customer service should answer it and there shouldn't be any concern on their part about you asking.  They'll let you know the policy.  The Chase reps I've talked to have always been helpful!  Here's another tip though.  I have a different phone number to call about my Sapphire card.  You might get better service if you call referencing your Sapphire card and asking if (or when) you can transfer some of that new credit limit.  



Updated 05/18/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 8+ years; AoYA = less than 1 year (April 2020)
Total Open Credit Lines Over $492K. Utilization Less Than 1%. Inquiries until Nov 2020 (TU:2 -- EQ:4 -- EX:6)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 21 of 33
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New Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

 

Congratulations on the nice SL!!!!

Message 22 of 33
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Mega Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!


@SarahJo wrote:

9C0E889D-DB27-4833-9F47-6F442ACB0581.jpeg

Here she is! Called to have the card expedited because, well why not...wait time was 2-4 minutes out of the 10 minute call.


Sure ir purdySmiley Happy

Message 23 of 33
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Frequent Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!


@Aim_High wrote:

@SarahJo wrote:

@Aim_High wrote:

@SarahJo wrote:

Chase Freedom had the $200 offer, 14.99%, and 0% for 15 months BT

Congratulations!  Your application has been approved! (i'm sorry for no screen shot, I was in shock). Your limit is $21,300 :-)  Yes please and thank you Sir Chase!

EDIT: 4/24 at time of approval, single EX HP (758) so far, no negatives, AOoA 14 years, AAoA 2.5 years-ish, terms as expected in offer mentioned above, UTI <1%.


Congrats on your Chase Freedom approval and outstanding Starting Limit!   Smiley Very Happy

 

Insider Tip:  Chase is my largest lender by far and one thing I love is that I can easily move limits between cards, which I have done several times.  (My CF approval was $21.7K I believe?  But I bumped it up to an even $25.0K by moving limits.)  Easy to do with a secure message on the website or a phone call to customer service.  I mention all this because I see your CSP is at $9.7K, IHG at $12.2K and CF at $21.3K.  If it were me, I'd want a higher limit on my CSP than CF, but you can redistribute however you want.  You just can't move between business and personal credit lines.    Your total Chase credit lines are $43.2K.  For example, if you wanted to go to just $5K (each) on CF/IHG, you could have a $33.2K CL on your CSP.  Or you could bump up CSP to $16K, CF down to $15K, and leave IHG at $12.2K.  Or any of dozens other combinations.  *Also, if you later decide to close one of the cards, they will typically allow you to move all that credit to another card except for $500.  

 

So play with it and have fun! And enjoy your new Freedom card!


Yes, thank you! Your read my mind ;-)  I was tapping away on the search function to make sure of the fluidity between the Freedom and the CSP limits.  I can do this at anytime, as in not having to wait for the first statement to cut? 


I believe you can do it at any time, but I've never tried it immediately after approval.  The earliest I moved a limit was probably after a month or two when they transferred some of my credit line off my CSR to approve my Hyatt at $30K! (I later moved limits to cut my Marriott and Hyatt to just $10K each.  They started at $33K and $30K.)  A call to customer service should answer it and there shouldn't be any concern on their part about you asking.  They'll let you know the policy.  The Chase reps I've talked to have always been helpful!  Here's another tip though.  I have a different phone number to call about my Sapphire card.  You might get better service if you call referencing your Sapphire card and asking if (or when) you can transfer some of that new credit limit.  


Perfect, thank you again.  I think I'll wait until at least a statement cuts, and using the CSP number is a great suggestion.  You are right on about the CSP CS, I've had to cancel one international vacay and reschedule another.  The process has been seamless as everything was either booked through or using a Chase card, very thankful for that!  

Present Day...Equifax: 767, TransUnion: 789, Experian: 753
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 24 of 33
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Frequent Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congratulations on your new card, and your new roof! 

Message 25 of 33
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Valued Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congratulations on your massive approval!

April 2020
Experian Fico 8. 703
Transunion Fico 8. 711
Equifax Fico 8. 717

Capital one QS. $700
.
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 26 of 33
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Senior Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 27 of 33
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Super Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congrats on your string of Chase approvals !



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 28 of 33
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New Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congratulations on your approval!

Message 29 of 33
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Established Contributor

Re: Chase Freedom Approval...Yes Please and Thank You!

Congratulations!


Current Scores & Increase since May 2020:

EX: 718 (+55)| TU: 692 (+32)| EQ: 681 (+36)| TU Fico 9: 704

Next Goal: Min. 700 w/all CRAs

Subsequent Goal: Chase FU

Gardening Until: 06/01/2021| App: 5/22/2020
Message 30 of 33
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