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Chase Freedom Unlimited Approved, Now part of Chase family

Colombiana79
Contributor

Chase Freedom Unlimited Approved, Now part of Chase family

Hello All,

Been sitting on applying for Chase cards since I was denied for an Amazon card almost a year ago. My credit has improved. Bankruptcy is off all 3 CRA after 10 long years. Only baddie left is a synch/Lowe's charge off from 2012. It's already off my TransUnion. Just waiting for it to drop off Experian and Equifax. I have a Chase checking account and my finger became itchy. Pulled the trigger on CFU today and instant approval for $7900 ( why they couldn't just give me the even 8k SL is beyond me). But it's at 24.99% Smiley Frustrated ouch! But I rarely carry high balances so. They pulled Exp and Equ for me and I'm in Florida.

 

Now it may be time to give the axe to Credit One with their stupid low limit!!! So let me get this straight, by cancelling them it won't hurt my score??

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Lowes Advantage - CL $27000
Chase Freedom Unlimited




Message 1 of 24
23 REPLIES 23
addicted_to_credit
Established Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

You’ll lose the available credit but it’s credit one any thing over 500 is generous. The account itself should report for several years, it could be 7 10 or more. I have 2 Amex cards that were closed 2011 or 2012 and they’re still there hanging out. I’d definitely drop the axe on credit one, they probably charged you a fee for mentioning them.











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Message 2 of 24
BronzeTrader
Valued Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

Congrats.

 

But still be nice to Chase.  It is known for being not nice to folks with bad credit.  Some even got credit taken back...

Message 3 of 24
Steve891
Senior Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

Congrats on your Chase FU approval!




Message 4 of 24
AverageJoesCredit
Mega Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

CongratsSmiley Happy i wouldnt expect great aprs from Chase anyway. They're like the rich man's Synchrony lolSmiley Wink
Message 5 of 24
SACT51
Frequent Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

Congratulations!!!  Chase is weird with those fractional SL's.  I saw a few $3400 sl and thought why not go a hundred more.  Good job on recovering from BK, it's definitely a long road and getting another chance with a card like CFU is a nice reward.

Message 6 of 24
M_Smart007
Epic Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

 

Congrats!!

 

Message 7 of 24
jpro
Established Member

Re: Chase Freedom Unlimited Approved, Now part of Chase family

Congrats on the approval OP! 🙌🏽
Current Cards


Future Cards


Message 8 of 24
Colombiana79
Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family


@AverageJoesCredit wrote:
CongratsSmiley Happy i wouldnt expect great aprs from Chase anyway. They're like the rich man's Synchrony lolSmiley Wink

Haaa. I figured but I'm just happy I'm in with the cool kids now. Man Very Happy

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Lowes Advantage - CL $27000
Chase Freedom Unlimited




Message 9 of 24
Colombiana79
Contributor

Re: Chase Freedom Unlimited Approved, Now part of Chase family

Thanks for the explanation. Calling today to say buh-bye. Never been so excited to cancel something lol.


@addicted_to_credit wrote:
You’ll lose the available credit but it’s credit one any thing over 500 is generous. The account itself should report for several years, it could be 7 10 or more. I have 2 Amex cards that were closed 2011 or 2012 and they’re still there hanging out. I’d definitely drop the axe on credit one, they probably charged you a fee for mentioning them.

 

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Lowes Advantage - CL $27000
Chase Freedom Unlimited




Message 10 of 24
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