Chase freedom flex

[Anonymous]

Hi everyone,

I was thinking about applying for the chase freedom flex. I'm under the 4/24 rule. I currently have a 677 credit score. I have one Amex card 1000$ limit and an Apple Card 1500$ limit. What do you guys think? Any tips or what credit report they pull? My strongest score is from Experian. 

[800wannabe420]

---

@Anonymous wrote:

Hi everyone,

I was thinking about applying for the chase freedom flex. I'm under the 4/24 rule. I currently have a 677 credit score. I have one Amex card 1000$ limit and an Apple Card 1500$ limit. What do you guys think? Any tips or what credit report they pull? My strongest score is from Experian. 

---

I'm in Texas and Chase pulled EX and TU

[K-in-Boston]

In many cases Chase will pull two bureaus for new applications.  My experience has been 2 for new apps and one for CLI requests.  If your highest score is in the 670s, I would think the likelihood of an approval is marginal.

[Citylights18]

I'd say its probably worth a shot at a 677 credit score, particularly if they think you're the type of consumer that can grow into Chase like I did.

Don't expect the APR to be great on the card if you do get it.

[K-in-Boston]

---

@Citylights18 wrote:

I'd say its probably worth a shot at a 677 credit score

---

It's been a long time since I've read a sub-700s Chase approval here, and denials in the lower 700s are very common.  Personally I would think it would be a waste of a HP or two if OP's highest score (and odds are high they will actually pull 1 or 2 scores that are lower) is 677.

OP, do you know all 3 of your FICO 8 scores?   Your only other post mentioned an Experian VantageScore 3.0, which could be as much as 100 points or more in either direction from a FICO 8 score.

[randomguy1]

I'm in Texas and Chase just pulls EX for me (3x now). Chase pulled EX only for me when I applied for the CSP in California. 

[K-in-Boston]

Looking back, CSP (now CSR), Slate (closed), and CFU were EX/TU double pulls for me in MA.  CLI requests were always EX.

[Anonymous]

Thank you guys so much!!! I think I will wait it off...I was at a 717 this morning. I paid my self loan lender off and boom, my score drops 40 points! Never was late and paid on time for the 12 month period. 

fico 8 today (updated today)

ex: 677

tu:683

Eq: 695

[Anonymous]

the self lender account finished and dropped my score 40 points today  ☹️

[Anonymous]

Im getting pretty close to finishing my self lender loan also. Any tips on this I really dont want to drop 40 points.