cancel
Showing results for 
Search instead for 
Did you mean: 

Chase Freedom Unlimited Approval while 12/24

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Contributor

Chase Freedom Unlimited Approval while 12/24

So, I was sitting in the garden, minding my own business...

Logged into Chase account (CSP) and I noticed an offer for a Freedom Unlimited. I've seen this offer come and go and just ignored it, but there was something different, or so it seemed. There was a 0% finance charge for 15 months and a single APR. No range. This seemed like the unicorn that people talk about.  But I'm in the garden till 11/2020, I kept telling myself. However since I have taxes coming up and and trip oversees that I wanted to take later this year I thought it might help with other spending that might take up those resources. I also wanted to test the waters regarding the 5/24 rule. SInce I was 12/24 within the last 10 months, but this was a targeted offer.

 

So, I unlocked my CRA reports (just in case), I filled out the two data fields and hit the button thinking I'd get another 2-5K limit. Wasnt expecting this:

 

Screen Shot 2019-04-06 at 10.52.41 AM.png

Now, I'm concerned that they'll take it back. Is that a possibility?

 

Data points

They pulled:

  • Experian (745) with 8 Inq
  • TU (732) with 7 Inq

Total utility of 13% across all cards

Was 12/24 at time of app, 11 this year, last card opened in Nov 2018.

No other relationship with them other than the Sapphire Preferred.

 

I appreciate the information this site offers. Thanks


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 1 of 18
17 REPLIES 17
Frequent Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Wow!  Congratulations!  That's an offer that certainly merits leaving the garden!


Chase CSP $10,000 | AMEX Gold | CFU $17,900 | Citi Costco Visa $17,500 | Chase Disney Premier $4,000 | Cap1 QS Visa $11,000 | Cap1 QS WEMC $11,000 | AMEX BCE $24,000 | AMEX HH $1,500 | CU Rewards Visa $3,500 | PayPal 2% MC $10,000 |
Message 2 of 18
Valued Contributor

Re: Chase Freedom Unlimited Approval while 12/24

"So, I was sitting in the garden, minding my own business..."

 

Right along with the rest of us!!!    LOL!!!

 

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval and the LEGENDARY SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 18
Community Leader
Valued Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Another “stick it to the Chase-man” scenario. Congrats!! Awesome SL
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 4 of 18
Senior Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Congrats on your approval and monster SL !!!!

LOL/24 is so overrated hehe

 

 

 

 

 

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
Message 5 of 18
Valued Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Wow,. now I'm really tempted to jump on that offer / checkmark myself.  Congrats on the SL and approval!



Message 6 of 18
Frequent Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Congratulations on the card. Worth leaving for sure and I imagine your already back there with this evil grin just enjoying the moment lol! 

 

Nice SL as well!!

Starting scores - 480 - 11/05/18
Current Scores -





Message 7 of 18
Established Contributor

Re: Chase Freedom Unlimited Approval while 12/24

OP—Congrats!!! I think you’ll be fine, I got mine at 12/24 about 2 weeks ago! Completed my trifecta and used the 0% Purchase APR to buy a wedding and engagement ring set for my soon-to-be fiancé! With the SUB and large purchase adding to my banked UR points, I hope to pay for a large portion of the Scotland Honeymoon next Spring!!! Well worth jumping out of the garden!!!
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 8 of 18
Valued Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Congrats on your Chase Freedom Unlimited approval! Sweet SL too! Smiley Very Happy





Message 9 of 18
Community Leader
Mega Contributor

Re: Chase Freedom Unlimited Approval while 12/24

Congrats on your new card

Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.