I'm thinking of applying for Chase Freedom and need help.

[Anonymous]

I'm thinking of applying for Chase Freedom just got approved for Discover It 2 weeks ago. My scores are in the 720's. I have 7 back months of credit history. PIF every month. 0% Utilization. I wonder what are my chances of being approved?

[Anonymous]

Go to the Chase website and check and see if you are pre-qualified and report back..

[Anonymous]

I wasn't pre-qualified. It said Chase was unable to find me any offers.

[Skye12329]

How many cards do you have? Your history is slim but I think you might have a chance. Just for the sake of utilization, does your report show 0% utilization or a small %. I ask because maybe let a small balance report.

[Anonymous]

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@Anonymous wrote:
I wasn't pre-qualified. It said Chase was unable to find me any offers.

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Ok.  No worries.  List yours for seperately for TU, EX and EQ.  Also,  you stated you have 7 months of credit history.  Do you have any baddies at all? What cred card do you have now and what is the limit?

[Anonymous]

I have 2. A Capital One Platinum that was PC'ed to a QS which is my first card and got that in July and the Discover It which I was approved for 2 weeks ago. No baddies. This statement I had a 2% uti on the report but usually it's 0%.

[Anonymous]

TU 724, EQ 717, EX 730

[Anonymous]

Sorry forgot to mention the limits. 2,300 on the Cap One card 1,250 on the Discover It.

[Anonymous]

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@Anonymous wrote:
I have 2. A Capital One Platinum that was PC'ed to a QS which is my first card and got that in July and the Discover It which I was approved for 2 weeks ago. No baddies. This statement I had a 2% uti on the report but usually it's 0%.

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What are the limits on these cards?  How many inquiries do you have on each report?

[driftless]

Is your Cap One eligible for a CLI increase? One of my thoughts that is that Chase is viewing your existing CL's as low.