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Chase Freedom Flex Approved

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NRB525
Super Contributor

Re: Chase Freedom Flex Approved

Better than my Freedom Flex approval, they gave me a $0 SL for the new card. They stole limits from two other cards to patch together the CL for the Flex Smiley Happy

 

Congrats on your approval, the spend bonuses are lots of fun on this card. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 27
Aim_High
Super Contributor

Re: Chase Freedom Flex Approved

Congratulations on the Chase Freedom Flex approval, @gdale6Smiley Very Happy 

 

Snoopy_Charlie_Brown_Happy_Dance.jpg


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 22 of 27
gdale6
Moderator Emeritus

Re: Chase Freedom Flex Approved

Received the card today. Chase used something called  The Card Acquisition Risk Score V2 (score 250-900) mine was 897 and that wasnt enough to get the lowest rate of 14.99 they gave me 16.99 with the first 15 mos 0%. Dont see any references to the spend $500 and get 200 SUB or the 5% grocery for a year.

Message 23 of 27
Remedios
Credit Mentor

Re: Chase Freedom Flex Approved


@gdale6 wrote:

Received the card today. Chase used something called  The Card Acquisition Risk Score V2 (score 250-900) mine was 897 and that wasnt enough to get the lowest rate of 14.99 they gave me 16.99 with the first 15 mos 0%. Dont see any references to the spend $500 and get 200 SUB or the 5% grocery for a year.


There was no reference to 5% on groceries for me, either. Because it's a promotion, they don't feel like updating paperwork sent with the card.

In the app, there should be a progress bar for the SUB. 

Message 24 of 27
gdale6
Moderator Emeritus

Re: Chase Freedom Flex Approved



@Remedios wrote:

@gdale6 wrote:

Received the card today. Chase used something called  The Card Acquisition Risk Score V2 (score 250-900) mine was 897 and that wasnt enough to get the lowest rate of 14.99 they gave me 16.99 with the first 15 mos 0%. Dont see any references to the spend $500 and get 200 SUB or the 5% grocery for a year.


There was no reference to 5% on groceries for me, either. Because it's a promotion, they don't feel like updating paperwork sent with the card.

In the app, there should be a progress bar for the SUB. 


Thanks.

Message 25 of 27
Anonymous
Not applicable

Re: Chase Freedom Flex Approved


@gdale6 wrote:

Received the card today. Chase used something called  The Card Acquisition Risk Score V2 (score 250-900) mine was 897 and that wasnt enough to get the lowest rate of 14.99 they gave me 16.99 with the first 15 mos 0%. Dont see any references to the spend $500 and get 200 SUB or the 5% grocery for a year.


Now I wonder what they use? CBs only? Glad you shared this.

 

Off Chase but I asked for a CLI on one of my Citi Cards and they came back with their scores that run 0 to 2500. My score was 900+ and considered a risk. How? Always paid on time and over the last eleven years and carried an 850 (300 to 850 FICO 08) for five years. The score they use on their own website shows 886 (250 to 900). What gives? Smiley Mad

Message 26 of 27
ZackAttack
Established Contributor

Re: Chase Freedom Flex Approved


@Remedios wrote:

@gdale6 wrote:

Received the card today. Chase used something called  The Card Acquisition Risk Score V2 (score 250-900) mine was 897 and that wasnt enough to get the lowest rate of 14.99 they gave me 16.99 with the first 15 mos 0%. Dont see any references to the spend $500 and get 200 SUB or the 5% grocery for a year.


There was no reference to 5% on groceries for me, either. Because it's a promotion, they don't feel like updating paperwork sent with the card.

In the app, there should be a progress bar for the SUB. 


The 5% CB for a year has changed with a new offer. So you may want to find out if you got the grocery or the new one which is 5% gas for a year

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 27 of 27
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