How to perfectly app/recon for Chase Freedom?

[Spanky23]

Yes my bad it is the IT card.

[ezdoesit]

Right now the Freedom bonus is $150 I would guess that it would go back to $200 but again that is just a guess.  I do agree if you want a VS then go for the CSP but the age of your CC's are going to hurt your chances.  Not the fact that you don't have any card over 5k.  Someone the other day just got approved for 10k and their highest card was just 3K.

Did you go on Chase's site and check for prequal they are pretty accurate I have found if something comes up then there is a great chance that you will be approved for that card.  Also if nothing comes up that doesn't mean you won't get approved either.  Plus if the Freedom comes up then look at the APR that they are offering that will give you an idea of what Chase thinks of your credit.  13.99 - 22.99 is the range for the APR.  Good luck

[Spanky23]

Think I should just garden longer or what? I mean I'd love a siggy but csp just wouldnt make sense right now I dont think. Cash back would. And rotate on and off. Hmm maybe I'll have to look into csp or garden until I feel comfortable going for it

[Spanky23]

Also apr is no biggy as I never let it go over. As soon as bill cuts I PIF

[Anonymous]

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@Spanky23 wrote:
Also apr is no biggy as I never let it go over. As soon as bill cuts I PIF

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Right, but also [sad truth here] Siggy is REALLY no biggy either!  People want it because "it is there" but most/all of the benefits go unused by many people.

[Spanky23]

I mean if I traveled I'd probably use it on the csp. And you're right. I think its one of those that everyone just wants one

Maybe I'll go freedom/recon if no luck garden for like 6 months let them age and then go for csp

[CreditJim]

Just FYI - I was just instantly approved for the Freedom under the $150 signup bonus on their website. Current cards in my signature. I only got $4500, so missed out on getting a Signature. Thinking about calling and seeing if they'll send a Signature if I move some/all of the limit of my BA card. Scores are 714 TU and 705 EX. Have had a few apps in the past few months, so probably just a sign I need to garden, but I was expecting it to be $5k+.

[CreditJim]

Just FYI - I was just instantly approved for the Freedom under the $150 signup bonus on their website. Current cards in my signature. I only got $4500, so missed out on getting a Signature. Thinking about calling and seeing if they'll send a Signature if I move some/all of the limit of my BA card. Scores are 714 TU and 705 EX. Have had a few apps in the past few months, so probably just a sign I need to garden, but I was expecting it to be $5k+.

[Closingracer99]

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@Spanky23 wrote:
Think I should just garden longer or what? I mean I'd love a siggy but csp just wouldnt make sense right now I dont think. Cash back would. And rotate on and off. Hmm maybe I'll have to look into csp or garden until I feel comfortable going for it

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I would Just app for the Freedom ... If you get accepted and don't get a Siggy and say a $3000 CL you can always wait and ask for a CLI to $5000 eventually and also ask for a siggy later