Chase freedom

[Anonymous]

Hello friends, 

I'm looking into this card. I have a score of 664 and 654 from transunion and equifax, respectively. Also a fico score of 680 from walmart. I have one inquiry in the last 12 months. I have a few baddies,  but it was 3 years a go and no lates in that same time frame. Utility is 29 percent. What are my chances? 

[LS2982]

Util might be a tad high. Do you have cc's with a year history?

[Anonymous]

Cp1(2 cards) about two years old. Walmart about two years old, discover more about 11 months old. All perfect payment history.

[LS2982]

Id say go for it!! Good luck!!!

[Anonymous]

+1

[Open123]

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@LS2982 wrote:
Id say go for it!! Good luck!!!

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+1

Worth a shot.  Regardless, you'll never know where you stand until you apply.  If you're declined, then you can call them for a recon.  Even if unsuccessful, you can ask the credit analyst what you can do to improve your profile in order to be successful next time.

[Rhaeny]

Yea I kinda agree that the util is a bit high, but I don't think it will stop you from an approval.  It may just hinder you from getting the highest CL possible but with what you have I think you have a good chance.

[Anonymous]

Go for it! And remember if denied, recon. I was approved on recon. I had about 28% UTIL. CSR brought it up when I asked for more than $1000 CL. Needless to say, I didn't get approved for more than a $1000. I would give it a shot.