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Chase Freedom question?

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Anonymous
Not applicable

Re: Chase Freedom question?


@chalupaman wrote:

@Anonymous wrote:

 


@Anonymous wrote:

I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also?  Since there is already 1 hard pull on score?        Fico score:  EQF 670, TRANS 673, EXP 658.   Thanks!!


if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know... Smiley Happy


I have never heard about the AARP being easier to get than the Freedom. Hmmmmmm and it comes with 3% cashback on gas and restaurants and there's no cap. While the 5% cashback categories from the Freedom sound great and all but I'm not even sure if I'd use all those categories or not. Now I think I have a new card consideration for the future and considering how I'm already with Chase, I'll definitely take a look at it next year or so. What scores are they looking for when it comes to the AARP? I already have an idea for the Amazon Chase card but I have no desire for that one whatsoever. 

 

Would be kinda weird for me to have a card like that or to even think about joining AARP so young but you really got me thinking there.


The Freedom needs Higher Score than the AARP,  Maybe the AARP is easier to get because the AARP is Co-Branded, Another thing, The AARP comes with the same $100 if you spend $500 in 90 days like the Freedom does and for the AARP you can be any age........i haven't joined AARP, i just have the Chase AARP Credit Card Smiley Wink

Message 11 of 13
chalupaman
Super Contributor

Re: Chase Freedom question?


@Anonymous wrote:

@chalupaman wrote:

@Anonymous wrote:

 


@Anonymous wrote:

I just had a hard pull and got approved for Discover It today, I also wanted the Chase Freedom card, so is NOW a good time to apply for that also?  Since there is already 1 hard pull on score?        Fico score:  EQF 670, TRANS 673, EXP 658.   Thanks!!


if i were you, i would apply for Chase, i Don't think it will hurt you, Cards to consider, the Amazon and AARP from Chase are easier to get than the Freedom, just so you know... Smiley Happy


I have never heard about the AARP being easier to get than the Freedom. Hmmmmmm and it comes with 3% cashback on gas and restaurants and there's no cap. While the 5% cashback categories from the Freedom sound great and all but I'm not even sure if I'd use all those categories or not. Now I think I have a new card consideration for the future and considering how I'm already with Chase, I'll definitely take a look at it next year or so. What scores are they looking for when it comes to the AARP? I already have an idea for the Amazon Chase card but I have no desire for that one whatsoever. 

 

Would be kinda weird for me to have a card like that or to even think about joining AARP so young but you really got me thinking there.


The Freedom needs Higher Score than the AARP,  Maybe the AARP is easier to get because the AARP is Co-Branded, Another thing, The AARP comes with the same $100 if you spend $500 in 90 days like the Freedom does and for the AARP you can be any age........i haven't joined AARP, i just have the Chase AARP Credit Card Smiley Wink


Makes it even better then. Seeing as how Barclays has shot me down once again (I guess they really don't like me much and I think when I got my SW card with Chase, they saw my more recent accounts and inquiries and stuff), that card is really looking like a great deal.

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
Message 12 of 13
Anonymous
Not applicable

Re: Chase Freedom question?

FYI after being approved for Discover IT they pulled Equifax (fico 670) and there was NO score change from inquiry.  I tried for freedom and did not get approved.  Chase pulled Experian (my lowest number at 658) and the inquiry only caused a fico score reduction by 1 point !  I will not apply for any more cards for 6 months now, and then retry freedom after I get my numbers up by end of Feb.

Message 13 of 13
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