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Chase Freedom approval!!

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TravisT45
Valued Member

Chase Freedom approval!!

Apllied 3-4 times with Chase in the past year all to no avail , even turned down twice after recon calls . Today decided to try for the Freedom for the hell of it and BAM , approved instanly !!! $1200 limit , need roughly $3k , should I call and recon the limit ?

My income is over $70,000 and I have virtually no debt other than my car payment , and zero balance on my other cards ??

 

 

 

TU-655 MyFico

EQ-628 MyFico

EX-618 MyFico

Message 1 of 16
15 REPLIES 15
mongstradamus
Super Contributor

Re: Chase Freedom approval!!


@TravisT45 wrote:

Apllied 3-4 times with Chase in the past year all to no avail , even turned down twice after recon calls . Today decided to try for the Freedom for the hell of it and BAM , approved instanly !!! $1200 limit , need roughly $3k , should I call and recon the limit ?

My income is over $70,000 and I have virtually no debt other than my car payment , and zero balance on my other cards ??

 

 

 

TU-655

EQ-628

EX-618


I would say it doesn't hurt to try and recon just make sure they don't do another HP.I have heard mixed things about success of recons with chase thought ,so ymmv . BTW your experian score is an bit on low side so not sure how successful you will be on getting an higher credit limit.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 16
TravisT45
Valued Member

Re: Chase Freedom approval!!

Yeah Experian doesnt like me !

Message 3 of 16
gdale6
Moderator Emeritus

Re: Chase Freedom approval!!

Grats on your new Chase card Smiley Happy   A recon with Chase will be a 2nd HP so think about it wisely, you can always make multi payments in a month, I used to shove over 2500 thru a Cap-1 card with a 500 limit monthly.

Message 4 of 16
TravisT45
Valued Member

Re: Chase Freedom approval!!

Wonder wich one they would HP ? I'm not even sure wich one they pulled for my approval yet but in the past it was always EX .

Message 5 of 16
mongstradamus
Super Contributor

Re: Chase Freedom approval!!


@TravisT45 wrote:

Wonder wich one they would HP ? I'm not even sure wich one they pulled for my approval yet but in the past it was always EX .


I think chase is an experian only puller. Not 100% sure about it though 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 6 of 16
coldnmn
Mega Contributor

Re: Chase Freedom approval!!

Congrats! Welcome to the forum and thanks for sharing

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 16
TravisT45
Valued Member

Re: Chase Freedom approval!!

Thanks for all the replies folks ! I do have checking and savings with witha decent balance with Chase as well , not sure how much that influenced thier decision .

 

Message 8 of 16
BigBS
Senior Contributor

Re: Chase Freedom approval!!

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 9 of 16
NursePurse
Frequent Contributor

Re: Chase Freedom approval!!

Congrats! I'm in the same boat as you, I've applied for the Chase Freedom twice already this year  and denied both times with a no go on recons. Although I was just approved for the Amazon Chase earlier this week, I would have rather had the freedom. Thanks for giving me hope!

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G
Message 10 of 16
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