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Chase - in-branch 5/24 exception to get Freedom?

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expatCanuck
Super Contributor

Chase - in-branch 5/24 exception to get Freedom?

Greetings.  Currently at 8/24.  Have a Chase checking account (with direct deposit), a CSP and CFU.  YTD $30K spend (PIF'd) through those two cards.

 

Given those stats and a healthy (tho' hardly C-level) income, can anyone offer thoughts on whether I'd have any success in-branch applying for the Freedom?


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 1 of 15
14 REPLIES 14
kdm31091
Super Contributor

Re: Chase - in-branch 5/24 exception to get Freedom?

I could be remembering wrong but I thought the in branch method around 5/24 has been not succesful for a little while now. I think Chase has really closed most avenues around 5/24.

 

If you have an actual preapproval, sometimes that does get around 5/24. Just straight up applying in a branch is no different than applying online in terms of processing/result.

Message 2 of 15
Anonymous
Not applicable

Re: Chase - in-branch 5/24 exception to get Freedom?


@expatCanuck wrote:

Greetings.  Currently at 8/24.  Have a Chase checking account (with direct deposit), a CSP and CFU.  YTD $30K spend (PIF'd) through those two cards.

 

Given those stats and a healthy (tho' hardly C-level) income, can anyone offer thoughts on whether I'd have any success in-branch applying for the Freedom?


 

An in-branch application will only work if you also have an in-branch pre-approval.  So check with a personal banker at a local branch to see if you have any in-branch pre-approvals.

Message 3 of 15
expatCanuck
Super Contributor

Re: Chase - in-branch 5/24 exception to get Freedom?

How 'bout this: ask Chase to issue a Freedom using half of the existing CL of my CFU? 

 

In this particular case, it's not about getting a higher CL -- it's about getting the 5% categories.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 4 of 15
kdm31091
Super Contributor

Re: Chase - in-branch 5/24 exception to get Freedom?


@expatCanuck wrote:

How 'bout this: ask to issue a Freedom using half of the existing CL of my CFU? 

 

In this particular case, it's not about getting a higher CL -- it's about getting the 5% categories.


If you are denied for 5/24, "bargaining" methods like this don't help or matter. It's not about issuing more credit or not. Chase just simply won't approve you if you are above 5/24.  Don't waste a hard pull and expect to talk your way into an approval unless you are preapproved.

 

I totally understand why you want the Fredom card (5%) but Chase won't care about your reason. Not to sound harsh - this is just how Chase is these days!*

 

*unless you are preapproved

Message 5 of 15
Anonymous
Not applicable

Re: Chase - in-branch 5/24 exception to get Freedom?


@expatCanuck wrote:

How 'bout this: ask to issue a Freedom using half of the existing CL of my CFU? 

 

In this particular case, it's not about getting a higher CL -- it's about getting the 5% categories.


Regardless of whether you want to split existing credit lines, the roadblock will be that you're 8/24.  So the only way around it is an in-branch pre-approval for a Freedom card. 

Message 6 of 15
expatCanuck
Super Contributor

Re: Chase - in-branch 5/24 exception to get Freedom?

Got.  Thanks to all.

 

#FirstWorldProblems


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 7 of 15
Anonymous
Not applicable

Re: Chase - in-branch 5/24 exception to get Freedom?


@expatCanuck wrote:

Got.  Thanks to all.

 

#FirstWorldProblems


Expat, Do you have a green check mark for the Freedom?  My CSP and Freedom were both 🤣/24.  I don’t know if the check mark still works.  Good luck.  Given the right category this card is a winner.

Message 8 of 15
Brian_Earl_Spilner
Credit Mentor

Re: Chase - in-branch 5/24 exception to get Freedom?


@Anonymous wrote:

@expatCanuck wrote:

Got.  Thanks to all.

 

#FirstWorldProblems


Expat, Do you have a green check mark for the Freedom?  My CSP and Freedom were both 🤣/24.  I don’t know if the check mark still works.  Good luck.  Given the right category this card is a winner.


Based on what people have been posting, the green check mark has worked lately. 

    
Message 9 of 15
expatCanuck
Super Contributor

Re: Chase - in-branch 5/24 exception to get Freedom?

Thanks, Brian.  Very helpful data point, MB.

 

No green checkmark currently, but my Chase banking relationship is still a seedling.  We'll see if anything happens as the direct deposits from my new job starts to flow (and Chase can 'see' money leave to pay other bank cards).


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 10 of 15
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