Chase Freedom Flex Approval with Thin Credit File (DP)

[Straed]

Hello all,

This happened a few months ago, but I thought it would be a useful DP to share.

When I recieved the card, I was really surprised by this approval. I didn’t have a pre-approval offer, nor did I have a year of credit history.

After I submitted my application, I got the 30 day message. A few days later, I received the 7-10 day message indicating that I would probably be denied. However, I got a letter from chase asking for verification. I called them, verified my information, and I was approved with a $1500 credit limit.

My stats when I applied:

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, $500 credit limit, opened 08/23/20

• Oldest account age: Roughly 6 months

• Experian: 715

• Income: 28k (I’m a high school senior working and receiving social security benefits.)

• Hard Pulls (prior to CFF): 3

• Checking account with Chase for 4 months ($1800 in the account)

[AllZero]

Congratulations on your approval!

[CreditAggie]

Congratulations on your CFF approval!

[Anonymous]

Awesome start to your credit!

They tend to do verifications on sub-21 applicants, so that's pretty normal; the checking account with decent balance definitely set you up for success, too!

Congrats!

[Anonymous]

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@Straed wrote:

Hello all,

This happened a few months ago, but I thought it would be a useful DP to share.

When I recieved the card, I was really surprised by this approval. I didn’t have a pre-approval offer, nor did I have a year of credit history.

After I submitted my application, I got the 30 day message. A few days later, I received the 7-10 day message indicating that I would probably be denied. However, I got a letter from chase asking for verification. I called them, verified my information, and I was approved with a $1500 credit limit.

My stats when I applied:

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, $500 credit limit, opened 08/23/20

• Oldest account age: Roughly 6 months

• Experian: 715

• Income: 28k (I’m a high school senior working and receiving social security benefits.)

• Hard Pulls (prior to CFF): 3

• Checking account with Chase for 4 months ($1800 in the account)

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Congratulations on your awesome approval 👏🏻👏🏻👏🏻🥳🥳🥳 and welcome welcome to the forum. 

[Irv02]

Congratulations on your approval!!

[mrcraft]

Congratulations on your approval!!

[USMC_Winger]

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@Straed wrote:

Hello all,

This happened a few months ago, but I thought it would be a useful DP to share.

When I recieved the card, I was really surprised by this approval. I didn’t have a pre-approval offer, nor did I have a year of credit history.

After I submitted my application, I got the 30 day message. A few days later, I received the 7-10 day message indicating that I would probably be denied. However, I got a letter from chase asking for verification. I called them, verified my information, and I was approved with a $1500 credit limit.

My stats when I applied:

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, $500 credit limit, opened 08/23/20

• Oldest account age: Roughly 6 months

• Experian: 715

• Income: 28k (I’m a high school senior working and receiving social security benefits.)

• Hard Pulls (prior to CFF): 3

• Checking account with Chase for 4 months ($1800 in the account)

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Impressive!  Congrats and thanks for the DPs!

[Credit4Growth]

🥳   Congratulations!!!

That is a pretty great card! 👍 

[M_Smart007]

Congratulations on your CFF approval! ...