Chase Freedom Approved - 678 FICO 8

[CreditSage]

Chase approved me for the Chase Freedom, $3,800 SL! Considering my two charged off badies from 2015 I feel this is pretty good. 

I will say, I am dissapointed in the SL. I have $5,800 in relatively high interest debt which I was hoping to transfer. Additionally, I put a lot of thought into making sure the card also had an introductory 0% purchase rate which in the end won't come into play. 

After the approved screen showed with my interest rate and SL there was a phone number to call if I had a problem with the SL. I didn't note this (like a dummy) and then clicked the check box acknowledging I understod the terms. Did I screw myself? I have to wait for everything to come in the mail at this point as I skipped the step for all the online access. Any recommendations, let me know. 

Should I go for another BT card to cover all my debt? Perhaps discover pre-approval link.

[M_Smart007]

Congrats, what is is done is done. probably another HP for not that much increase. just a wild guess.

[Anonymous]

Trying calling one of the backdoor numbers in the sticky for a SL reconsideration. Doesn't hurt to try.

[CreditSage]

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@Anonymous wrote:

Trying calling one of the backdoor numbers in the sticky for a SL reconsideration. Doesn't hurt to try.

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No luck - CSR said there would be another hard pull. I may have been better off if I called the number provided before acknowledging everything but I'll never know. Thanks for the tip anyhow. 

[gdale6]

Grats on the freedom. If you need to move money over to avoid interest then do it, just keep it below 89% of the cards limit. IMHO payng interest trumps Fico score considerations.

[CreditSage]

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@gdale6 wrote:

Grats on the freedom. If you need to move money over to avoid interest then do it, just keep it below 89% of the cards limit. IMHO payng interest trumps Fico score considerations.

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Thanks! You're actually addressing a question before I've thought to post it yet... do you think keeping it below 89% will make a big difference compared to say, 100% (score-wise)? Also, since there is no interest the account cannot go over 100% if I park the balance there, is that correct? This is my first BT. 

My NFCU is at 90% and my QS1 53% - - figuring the best way to go about this. If only they approved me for like $20k I would have been much better off

[SEAlifer]

Congratulations!

[Meanmchine]

Congrats on your new CSP

[CreditSage]

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@Meanmchine wrote:

Congrats on your new CSP

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Didn't get a CSP, lol, but thanks.

[Anonymous]

Congrats on your Chase Freedom approval!