I got approved for a Chase Freedome unlimited today with the lowest limit possible after a short credit rebuild journey.
Skip to the buttom for my scores and approved credit limit details.
Life drama:
Okay, so I had an atrocious credit score for the past few years. I burned every credit card company that approved me when i was in university. Few months ago I had to look my self in the mirror and face the reality of my situation and who I truly want to be seen as.
The conclusion i came to is, with the way I currently am and have been, I wouldn't even lend my self money.
I burned amex, barclays, chase, capital one numerous times, and even low tier banks like merrick.
In March 24, i applied for a checking account with chase with a sign up bonus. I had low hopes because i applied for their checking account before and they declined me. Someway somehow they approved me. I then opened a Discover secured card. By the end of march i contacted the collectors and started to pay them to delete. By the end of april i closed out every collection and had 1 account left, an amex card. I reached out to them and decided to pay them in full. FICO 8 score avg across 3 was 565 in March, in May the lowest was 685 and highest 715.
Today i was checking my accunt on the chase application and saw a pre approval for 4 different cards. I was hesitant but eventually in few hours I said f it, whats the worst that could happen. I applied and got the "We need more time to review your Chase Freedom Unlimited® credit card request". I called multiple chase numbers and most of them where unhelpful. Until 30 minutes ago i called this number (800) 278-8830. They asked me to verify my identity then asked to place me in hold to process my application, unfortunately line disconnected during that hold and i had to call again. The new rep asked same questions and then told me someone else is currently handling your applications so there is nothing she can do and i have to wait for their response in the mail. I was bummed.
2 minutes later I got an email with approval and card appears in my chase app. As mentioned in title i got approved for the lowest limit chase has to offer for this card $500.
A little frustrating but its better than a denial. At least i am in the eco system now?
Long story short i am extremely thankful for everyone that contributes to this forum.
I know this is an embarrassing credit limit to some, but, i will try staying patient and hope for a CLI soon, at least i am in again after bruning them in the past.
Approval details:
Scores: 686 Ex | 698 Eq | 705 Tu
Bureau pulled: Experian
Credit amount: $500
