Chase Freedom Approval... Should I...?!?

[Anonymous]

Yes, I was approved for my current "Dream Card" - The Chase Freedom... I am very GRATEFUL & APPRECIATIVE!!! However, I am wondering if I should recon for a higher CL from my approved $500...?!? I am thinking a mere $1000 just to put me in a bit more comfort zone to push usage through it without maxing it out all the time, and having to keep PIF several times a statement period... I am not too concerned with HP's at the current time because I have no desire to be apping for awhile... Any recommendations, disputes, insights, and/or opinions are appreciated!!! Thank You in advance!!!  

[js0319]

What APR were you approved for?

[Anonymous]

22% but that doesn't bother me, I don't let my cards carry a balance, I PIF. Thanks!!!

[MT936]

Hey lvkalani definitely call their recon number since they gave you only 500 to start which isn't much

[js0319]

I think that's the issue - 22.99% with a $500 CL. I have seen many posts where the card seems to be perpetually stuck with those terms. Maybe you can try and recon, but I haven't seen too many success stories that state otherwise. 

[Sharingan]

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@Anonymous wrote:

Yes, I was approved for my current "Dream Card" - The Chase Freedom... I am very GRATEFUL & APPRECIATIVE!!! However, I am wondering if I should recon for a higher CL from my approved $500...?!? I am thinking a mere $1000 just to put me in a bit more comfort zone to push usage through it without maxing it out all the time, and having to keep PIF several times a statement period... I am not too concerned with HP's at the current time because I have no desire to be apping for awhile... Any recommendations, disputes, insights, and/or opinions are appreciated!!! Thank You in advance!!!  

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I know you mentioned that you aren't concerned about hard pulls, but I would recommend waiting 6 months or so before trying. At that point, I would take the HP and ask for a more substantial increase. Best wishes.

[TheFate]

In my opinion it's usually a bad sign when offered the highest rate APR. Yes, true you may never carry a balance to encounter that but the picture is bigger than that. 

Why did I get approved with the highest rate APR? 

Just something to keep in mind but I highly recommend anyone to counter an initial offered CL if ur not satisfied. Worst answer u can get is no right? 

[Anonymous]

I guess the reason for this posting is, I don't want to waste my time; I'd like to just enjoy... I have already invested much time & effort to get to where I am now... This all started at the end of April of this year up until last night... I went for & got exactly what I desired cc wise for now, and have been very fortunate; for I gave up on any type of credit since 2002... I am extremely surprised with these achievements,and don't want to over do it...

[Anonymous]

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@Anonymous wrote:

22% but that doesn't bother me, I don't let my cards carry a balance, I PIF. Thanks!!!

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SORRY - ERROR!!! LOL!!!

[Anonymous]

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@MT936 wrote:
Hey lvkalani definitely call their recon number since they gave you only 500 to start which isn't much

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Yo, Yo!!! I knew for some down deep reason you would be one to reply - You have not yet steered me the wrong way!!! Thanks!!!