Anyone with CHASE Freedom 30 days response to Credit Card Application

[Anonymous]

    After successfully completing DMP few months ago I decide to revive my credit files by going on an application spree. I enrolled my CHASE MC in the DMP program and all my CC accounts were closed that time. I requested for reopening the account but they decline my request.

  So I decided to apply for the CHASE freedom card online and got the 30-day response message. CHASE CSR/Fraud department called me few days ago to confirm some information, which I promptly gave to them. After the call, the lady told me that the application will be forwarded to  another department for consideration and I should expect a response in 7-10 business days.

My question  to members who have experience with CHASE CC applications is whether the 7-10 business day reply constitute a denial. Does anyone got approved after going through this kind of scrutiny?

[GomerPyle]

I was approved after going through those steps but YMMV. Be patient, they seem to be very meticulous in their processing.

[Anonymous]

Thanks. If you don't mind sharing how long was your processing time.

What was your FICO score?

What is your CL approved?

[GomerPyle]

They pulled EQ. It was 783 at the time. I received $5000 CL on a Freedom card. It took about three weeks total from time of app to card received. This was all in March 2009. I would have appreciated a higher CL but I feel lucky with that considering the current climate.

[Anonymous]

Wow! Thanks for the quick response. 783 is quite high and I believe you got a sizeable CL. Did they offer you any promotional APR? Say 6 months 0% or 12 months? Any 0% BT promotion? They pulled my TU and it was 643 at that time with an 11 months old collection.

Please let me know what kind of promotion you got. I believe they give $50 bonus for the first purchase? Is that right.

[Anonymous]

Does anyone else has similar experience with CHASE? Please chime in and let me know what kind of FICO scores and CL you got for the CHASE freedom card.

[GomerPyle]

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@Anonymous wrote:

Wow! Thanks for the quick response. 783 is quite high and I believe you got a sizeable CL. Did they offer you any promotional APR? Say 6 months 0% or 12 months? Any 0% BT promotion? They pulled my TU and it was 643 at that time with an 11 months old collection.

Please let me know what kind of promotion you got. I believe they give $50 bonus for the first purchase? Is that right.

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Believe it or not I have not even looked at what BT items are possible. I am not a fan of BT and would only do that in an extreme situation. My lack of knowledge about what they offered me  keeps me out of trouble. I applied for several cards in March simply as a hedge against my other cards(esp AMEX) doing a CLD on me. Just trying to stay ahead of the game.