(UPDATE) Approved for Chase Freedom! Although for a ridiculously small CL...

[Creditaddict]

If the only 2 cards you have are a $1k Wamu now Chase Card and your new $400 Chase Card you need to get a card or two with another bank!

Citi is known to give very nice CL's and not really caring what you have before them as far as blowing current CL's out of the water. Citi Forward would be my 1st choice.

Try the discover Pre-Approval on website, I have not seen anyone declined if applying by clicking on the Pre-Approval given to them.

Chase "Might" be more giving in future also if you have more cards then just them because currently they are looking at you as a bit of a risk since they can't compare your habits with other banks and with large credit lines.

[CS800]

Congrats OP. Great card to have. Use it well and they will be good to you

[Anonymous]

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@Creditaddict wrote:

Citi is known to give very nice CL's and not really caring what you have before them as far as blowing current CL's out of the water. Citi Forward would be my 1st choice.

Try the discover Pre-Approval on website, I have not seen anyone declined if applying by clicking on the Pre-Approval given to them.

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So I took your advice... No pre-approval from Discover so I applied for Citi Forward (after doing my own research as well, obviously) and just got approved for $5,000! Sweet! Now I'm going to use the Freedom to get the 10,000 point bonus and let it do it's own thing with an auto-CLI in 6 months (hopefully) and use the Forward for my upcoming purchase with 0% interest. Thanks for the tip! Progress is being made.

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:

Citi is known to give very nice CL's and not really caring what you have before them as far as blowing current CL's out of the water. Citi Forward would be my 1st choice.

Try the discover Pre-Approval on website, I have not seen anyone declined if applying by clicking on the Pre-Approval given to them.

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So I took your advice... No pre-approval from Discover so I applied for Citi Forward (after doing my own research as well, obviously) and just got approved for $5,000! Sweet! Now I'm going to use the Freedom to get the 10,000 point bonus and let it do it's own thing with an auto-CLI in 6 months (hopefully) and use the Forward for my upcoming purchase with 0% interest. Thanks for the tip! Progress is being made.

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I get so excited when it actually works out the way I thought it would/should especially friends and credit... If it doesn't work out you always get that look like Im not so sure!

[Anonymous]

Also my Chase Identity Protection FAKO says EQ is 649 but my Citi app said it was 685. Nice surprise there! I checked my actual TU score through annualcreditreport.com and it was also about 25 points higher than the Chase FAKO (696 vs 671). Interesting. Perhaps I don't need to pay extra to have Chase make up scores out of thin air.

[Anonymous]

Chase likes to see a long credit history, stable job and housing.  Thisinfo  was recently gathered from a credit analyst.

[Anonymous]

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@Anonymous wrote:

Chase likes to see a long credit history, stable job and housing.  Thisinfo  was recently gathered from a credit analyst.

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Housing?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Chase likes to see a long credit history, stable job and housing.  Thisinfo  was recently gathered from a credit analyst.

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Housing?

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Yes, they do not want to see that you've moved often.  But if one is in the military, it can be explained during a recon. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Chase likes to see a long credit history, stable job and housing.  Thisinfo  was recently gathered from a credit analyst.

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Housing?

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Yes, they do not want to see that you've moved often.  But if one is in the military, it can be explained during a recon. 

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I don't think this to be true. People rent. I do. I've had 5 different addresses in the last 6 years.

I've had no problem getting two Chase backed cards. Maybe I'm an outlier, but I find that a little hard to believe.

In the same vein, I really haven't had a stable job history either, because of the moves.

As far as employment is concerned, how would they know you have stable employment other than what you fill out on an application?

[cashnocredit]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Chase likes to see a long credit history, stable job and housing.  Thisinfo  was recently gathered from a credit analyst.

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Housing?

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Yes, they do not want to see that you've moved often.  But if one is in the military, it can be explained during a recon. 

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I don't think this to be true. People rent. I do. I've had 5 different addresses in the last 6 years.

I've had no problem getting two Chase backed cards. Maybe I'm an outlier, but I find that a little hard to believe.

In the same vein, I really haven't had a stable job history either, because of the moves.

As far as employment is concerned, how would they know you have stable employment other than what you fill out on an application?

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I'm "retired." now that I draw SS. Before that I was unemployed. I got a Chase Freedom Siggy with a AAoA  < 3y, relatively thin file, and a PO Box.  OTOH, my credit file is clean.