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How long should I wait before applying for the freedom unlimited?

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rgd51
Frequent Contributor

How long should I wait before applying for the freedom unlimited?

I am now under 5/24 again and I had opened a freedom flex a couple years ago and then PCd to a freedom unlimited. I applied for the flex a few days ago but was instantly declined because I had received the SUB on 11/20/2020 previously. I changed my unlimited back to a flex that same day and asked if I could apply for a freedom unlimited but a new account so I could have both freedom cards. The CSR lady told me I should wait a little bit until the system processes that I PCed fbe unlimited to a flex before applying or else I will get instantly declined if it thinks I still have the unlimited. How long should I wait before opening a new freedom unlimited account?

Message 1 of 5
4 REPLIES 4
OmarGB9
Community Leader
Super Contributor

Re: How long should I wait before applying for the freedom unlimited?

Probably a month at a minimum. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 5
rgd51
Frequent Contributor

Re: How long should I wait before applying for the freedom unlimited?

Is that how long their system takes?

Message 3 of 5
OmarGB9
Community Leader
Super Contributor

Re: How long should I wait before applying for the freedom unlimited?


@rgd51 wrote:

Is that how long their system takes?


I have no idea how long their system takes. I was just saying a month because I figure it's a good, safe cushion in case of anything. Plus it'll allow for an update to the credit bureaus, so there's that. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 5
rgd51
Frequent Contributor

Re: How long should I wait before applying for the freedom unlimited?

The credit bureaus just say JPMCB card. It doesn't say which chase card I have. I will probably call chase to make sure I'm safe to do it before I apply for a new FU. Feel it's beneficial to have both freedom cards in case I try to do the chase trifecta down the line

Message 5 of 5
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