Chase Freedom Unlimited Approval!!!

[Anonymous]

Hi All, 

First off, THANK YOU to this forum for all the invaluable information that it gives. I have learned so much about credit.

So I applied for the FU on Friday so that I could form the Chase trifecta, and on Saturday I called the automated lady and got the dreaded 7-10 day message  So today I finally decided to call the Chase backdoor number, got transferred to verification, and got approved with a SL of $8,900!! That is my highest limit. I opened the Sapphire Preferred about a month and a half ago with a SL of $5000, and had to recon to even get approved, so I was absolutely shocked when I got that high of a limit from Chase, especially considering how conservative they tend to be. I always PIF, so even though they gave me a high APR of 25.49% on both chase cards, I dont really care. 

They pulled Experian which showed 5 open accounts (2 AU), 5 inquires (4 credit cards, 1 car dealership), no baddies.

(found these through experian website) FICO: Ex 726, Eq 739, TU 739 (though when I check through chase I see 712, Barclays 743 and WF 721? lol)

income: $132,000, no checkings/savings/investment accounts with Chase

I was ~technically~ at 4/24, but since I opened the Citi TY card so recently it showed 3/24 since it hasnt posted to any bureaus that that account is open. 

Currently hold: 

Wells Fargo The Private Bank By Invitation Visa Sig $7000 limit opened 9/2017

Chase Sapphire Preferred Visa Sig $5000 limit opened 8/2018

Barclaycard Arrival Plus WEMC $1500 limit opened 8/2018

Citi TY Premier $3000 limit opened 9/2018

Amex platinum (AU) charge card opened 5/2014

WF Visa Platinum (AU but with $4500 limit) opened 1/2012

I want to enter the garden, but the 100k bonus amex platinum targeted offer and the freeedom are enticing to me...

[Medic981]

[Anonymous]

Congrats on your approval and very nice starting limit!  Enjoy 

[19eighty5]

Congratulations on your approval!

[Cred4All]

Congrats on the approval and SL!

[xaximus]

Congrats on your approvals and journey so far!

[Anonymous]

Congratulations!! Now you got me all curious with this Chase Trifecta. Don't wanna pay for the AF though and not sure if the rewards for having three CC on one bank is worth it.
I was itching to get this Chase FU but I figured I have QS and it has the same rewards so I'm holding to app.
You have clean report.. just completely up to you if you want another HP for that bonus

[SweetCreditObsession]

Congratulations and thanks for the datapoints.

[Anonymous]

@thebrowndaredevil 

Well it depends on what you want. The trifecta is a brilliant way to accumulate ultimate rewards points, in order to transfer them to airline partners to get award plane tickets. Essentially you get the chase sapphire preferred or reserve. I personally have the preferred so ill explain how that works. I get 2x points for dining/travel and 1x points for everything else. The freedom unlimited gets 1.5 points for everything, so for purchases that dont fall into the 2x points category, you get an extra half a point. However, in order to have the unlimited to get points and not just cash back, you need to have a chase sapphire preferred/reserve or a few business cards? (not sure about which business cards). Same thing with the freedom. So you get 5x points on the category up to 7500 points ($1500 in spend). So if you aren't super interested in miles for plane tickets/hotels, then I would suggest looking at the citi double cash since it is 2% CB instead of 1.5% like the QS.

[Anonymous]

Congratulations on your approval! Best of luck with your new card.