Chase Freedom Flex

mgood · ‎05-17-2021

Declined for a Freedom Unlimited on 12/04 or 12/05.

Declined again for Freedom Flex on 02/12.
Knowing I should give it more time, but too impatient to wait, I tried again just now and they finally let me in the door.
My highest limit on any of my cards! Still can't break the $10k ceiling, but getting very close.

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EDIT for DP:
I know they pulled Experian. My FICO 8 was 748. (Went down to 743 after this pull.)
5/24? This makes me about 5/5.
Inquires 4/6, 5/12.
AoOA 6.5 yrs
AAoA 3.6 yrs

Income $52k

EDIT EDIT: Once I finally got into my account on their website, I see they had an old address for me in Dallas. Haven't lived there since the mid-nineties. I didn't think I ever had a Chase account before. Maybe they acquired some other bank with which I did have an account. I had a BK back in the late nineties. So I probably burned Chase 20-some years ago and didn't know it. Probably explains why they've been so reluctant to approve me for a credit card. The SL still surprises me a little, especially if I did burn them in the past. It was an instant-approval too.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$15,900 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Rewards+ World Mastercard 11/24

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$9,000 American Express Blue Cash Preferred 04/24

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 750, TU8 744, EX8 766 as of February 11

AZE12 - 6% Utl - New Cards: 2/6, 3/12, 7/24

CreditAggie · ‎05-17-2021

Congratulations on your CFF approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AllZero · ‎05-17-2021

Congratulations on your approval!

Golf-and-Credit · ‎05-17-2021

Congrats on the approval and nice SL!!!

Experian FICO 8: 826/2 inq’s 1/12, 3/24
Equifax FICO 8: 820/3 inq’s 1/12, 3/24
Transunion FICO 8: 821/2 inq’s 0/12, 2/24

AMEX Platinum: NPSL
AMEX Gold: NPSL
AMEX Everyday Preferred: $22,500
Capital One Quicksilver: $5750
Numerica Credit Union Platinum: $2000
Military Star: $8300
1% utilization

babygirl1256 · ‎05-17-2021

Congrats on your Chase Freedom Flex . . . $9,100.00 SL is a heck of a better SL than the $300.00 Chase gave me -and- I still have the card 10 years later and no auto CLI over that period . . . SMH @ Chase!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

mgood · ‎05-17-2021

@babygirl1256 wrote:
. . . I still have the card 10 years later and no auto CLI over that period . . . SMH @ Chase!!!

Have you requested a CLI? I'm new to Chase and have been just trying to get one of their cards. I haven't paid much attention to the process of getting increases.

EQ8 750, TU8 744, EX8 766 as of February 11

AZE12 - 6% Utl - New Cards: 2/6, 3/12, 7/24

Fico_Salamanca · ‎05-17-2021

Congrats!

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manbuckets · ‎05-17-2021

Congrats on your CFF approval!

Current Cards/Loans:

Future Cards:

GApeachy · ‎05-17-2021

@mgood wrote:
My highest limit on any of my cards!

Great limit, congrats!

My Take Home Pay Don't Take Me Home

Anonymous · ‎05-17-2021

Congrats! Persistence paid off it seems!