Chase Freedom Recon—Success!

s_e_e · ‎06-17-2018

Approved for 5900 with 696 Experian. 20% util, 8 inq, 5th card this month (but none for the previous 24).

When asked why so many apps I said I wanted to maximize my cashback rewards. Was surprised by this approval.

8/16/18 TU 734 EX 703 EQ 725
10 or 11 inqs each bureau, 14% util

5/6/19 TU 761 EX 744 EQ 736
19 inqs each bureau, 13% util

NFCU cashrewards (25), DiscoverIT (18), Amex ED (2) (4.5), UberVisa (1), Chase Freedom (5.9), Paypal Credit (7.9), NFCU CLOC (15), US Bank Cash+ (12.5), NFCU Amex (15), PP 2% (7.2), Amex Magnet (1), US Bank Platinum (14.5), WF Propel (10), Amex Plat (NPSL), Neiman Marcus (9), Blue Nile (5), HSBC CashRewards (5.5), Amex Rose Gold (15 POT), Disco 2 (1), Amazon Prime Store Card (1.6), Apple Card (2.5)
Personal loans: Lightstream 20k/3yrs/5.95%, 10k/3yrs/5.95%

AverageJoesCredit · ‎06-17-2018

Wow your app spree is legendary. Most want to beat 5/24 and here you go doing it in a month

. Awesome limits too.i would not like to have to explain all my apps to chase they say they are like drill sergeants lol. No matter how good your credit, if they asked you this and still approved, you are on radar. Time to garden harden

Rjw170 · ‎06-17-2018

Congrats on the successful recon!

Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:

Wish List:

VoltronM · ‎06-18-2018

Congrats on approval

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k

4theLoveofPoints · ‎06-18-2018

I have a bit of experience with Chase recon. It was no bueno.

Congrats on surviving the recon grilling, your successful spree, and a nice SL.

Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.

Dinosaur · ‎06-18-2018

s_e_e ... got'ta love your recon! Laid it on the line and Chase listened ... impressive! A true MyFicoer

Starting Score: 300
Current Score: 850
Goal Score: 850

Take the myFICO Fitness Challenge

s_e_e · ‎06-18-2018

Thanks all.

Another question asked was do you have a payment plan for your current credit card debt (on a particular card)? I was able to honestly state that the card was paid off last week. Forgot to mention it was due to a BT.
I kept my cool—barely. Hope Chase does not read forums.

8/16/18 TU 734 EX 703 EQ 725
10 or 11 inqs each bureau, 14% util

5/6/19 TU 761 EX 744 EQ 736
19 inqs each bureau, 13% util

NFCU cashrewards (25), DiscoverIT (18), Amex ED (2) (4.5), UberVisa (1), Chase Freedom (5.9), Paypal Credit (7.9), NFCU CLOC (15), US Bank Cash+ (12.5), NFCU Amex (15), PP 2% (7.2), Amex Magnet (1), US Bank Platinum (14.5), WF Propel (10), Amex Plat (NPSL), Neiman Marcus (9), Blue Nile (5), HSBC CashRewards (5.5), Amex Rose Gold (15 POT), Disco 2 (1), Amazon Prime Store Card (1.6), Apple Card (2.5)
Personal loans: Lightstream 20k/3yrs/5.95%, 10k/3yrs/5.95%

Overmedicated · ‎06-18-2018

5th card this month with one being from Barclays? Mrs. Barclay probably won't like that.

FICO 8

AverageJoesCredit · ‎06-18-2018

Oh no you didnt, oh yes you did

LolWut

on Chase reading the forum. My bet is on yeah, know thy customer and their wallet

Dinosaur · ‎06-19-2018

@Overmedicated wrote:
5th card this month with one being from Barclays? Mrs. Barclay probably won't like that.

Oh ... for "you have sinned" ...

Starting Score: 300
Current Score: 850
Goal Score: 850

Take the myFICO Fitness Challenge

Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!

Re: Chase Freedom Recon—Success!