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Chase Freedom Approved -I guess 5/24 did not apply

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Regular Contributor

Chase Freedom Approved -I guess 5/24 did not apply

I had been looking on the prequal sites about a week ago as I do every once in a while just to see if anything comes up.  After never having anything come up on Chase before, this time the Freedom and Slate did.   I knew of the 5/24 rule, I knew I was over it, but I did have that prequal (I know...no guarantee) so I just said let's see what happens.  It went to pending.  I figured that was that and just called the line to see what message they gave me which was the two week.  I was pretty sure it was going to change to 7-10.  

 

Anyway, what happened is I was approved.  Just got the e-mail today. No idea on SL and not going to call, don't want any trouble, lol.   They pulled EX and TU on me.  TU only has 3 INQ but EX had 14 and there was more accounts than five in the last two years.  O.k., I'll just admit there was more than five in the last six months for the data point.  

 

A little shocked, but I'm finally in with Chase.   Maybe that 5/24 thing wasn't working out very well for them or maybe I just got lucky.

 

UPDATED:  I just decided to call the automated line and see if it said anything about the CL and it did.  $3,000.00 SL.  I didn't think they'd start me anywhere near that, especially since it wasn't auto approval so I am happy with it for sure!

Starting Scores: 10/15 - EQ: 634 EX:632: TU: 618
Current Scores: 09/16 - EQ: 709 EX:716 TU: 706
End of 2016 Goal: 700+ all
Limits 10/15 $3,100 / Limits 12/16 $98,400 Thank you, MyFICO community.
Message 1 of 9
8 REPLIES 8
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New Member

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats......I think you did get lucky tho.

Message 2 of 9
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New Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats!!! I think that makes two of us lucky folks...I knew I was over the 5/24 as well but app'd anyway. I, too, am happy to be in with Chase!!
TU 640, EX 625, EQ 620.....One day at a time! Smiley Happy
Message 3 of 9
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Frequent Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats on your approval! Glad you got through.
Mar 2017: EQ 733 80 INQ | TU 768 42 INQ | EX 755 80 INQ || AMEX PRG | AMEX BGR | USAA Rewards VS $17K | USAA NAMF AMEX $15K | SECU Visa $10K | Cap1 V1 (AU) $45.75K | AMEX BCE (AU) $10K | Marvel MC $25K | Walmart MC $10K | Freedom $12.2K | USAA Cash Rewards VS $18K | Walmart SC $25K | PENFED CR $9K | AMEX EDP $24K | Banana Republic SC $10K | MECU $10K | Amazon SC $25K | Barclays Apple Rewards $10K | J. Crew $13.6K | Cap1 PlayStation $3K | Cap1 QS1 $2.6K | Business: AMEX Green NPSL | AMEX SimplyCash $2K | AMEX Blue for Business $3K | Cap1 Spark Visa $7.5K | Amazon Rev. $2.5K | Amazon PIF (No PG) $1K | Walmart (No PG) $2.5K | Chase Marriott Business $30K | Chase Ink $14K
Message 4 of 9
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Senior Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats on the approval, well done !!

Message 5 of 9
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Super Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 6 of 9
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Valued Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congrats and welcome 2 the family..............
Message 7 of 9
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Frequent Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

That makes 3 of us, same story. I posted about it. I have 8 and always was told no offers last night I as offered both and took freedom tonight. Maybe the 5/24 is not such a thing.


July 2019 464-540
July/2019 Equifax-490 to 521 TransUnion-521 to 528 Experian-521 to 540
Current/2019 Equifax-555 (ck) TransUnion-556(ck) Experian-558
Mortgage Scores: Sept/2019 Equifax-Fico5 xxx TransUnion-Fico4 xxx Experian-FIco2 xxx
First Goal 580 by Oct/19 Second Goal 600 by Nov/19 Third Goal 620 by Dec/19 Goal Score:across the board 690+


Message 8 of 9
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Frequent Contributor

Re: Chase Freedom Approved -I guess 5/24 did not apply

Congratulations!

FICO SCORE 08 - Aug 2020 - EQ 772 - TU 768 - EX 770



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

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