Chase approval!

Tbelle · ‎09-19-2014

I've been rebuilding for over a year. Last year this time. Chase denied me for a Slate with a 690 score. Fast forward to now: Barclays rewards $ 1,500 and then two weeks after I get pre approval for Chase Slate, apply and instant approval at 1k. The next day I get a pre approval for Chase Freedom, I read the forum and decided to app instant approval 1k. I must say its a big improvement from last year and the best thing is I can only see one hard pull from Chase so far!! So here's the thing, I have high util on my other cards but Chase has the lowest limits, what is your advice for recon for a cli at activation or should I just work on getting my util down? Honestly, I want a cli on the Slate so I can do a bal transfer, right now the 1k is pretty useless for that. Thoughts?

coldnmn · ‎09-19-2014

Congrats! In my opinion you should get your utilization below 30% less is better.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

Tbelle · ‎09-19-2014

Yes I was thinking I can get my util down by the 6 month mark on Chase and I can hopefully get an auto cli. Thanks for responding!

Anonymous · ‎09-20-2014

Congrats!

BUN · ‎09-20-2014

congrats!

Starting Score : 575 May, 2013
Current Scores: EQ 716 6 INQ TU 745 4 INQ EX 726 3 INQ Last INQ December 2015, In the GC until Jan 2017.

alvon123 · ‎09-20-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

chalupaman · ‎09-20-2014

Cool. Congrats on your Chase approvals.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

CreditMagic7 · ‎09-20-2014

Comgrats! on the new Chase Approval!

Tony275 · ‎09-20-2014

Congrats x3!! Keep up the good work! Welcome to the garden!

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