CK said I have fair odds but applied anyway. Result said they need to review more so I figured oh well and it did hit my score by 3 right away. I have the Sapphire with 8k limit and kept balance really low. Signed on my phone to make my payment and noticed I have the Freedom Unlimited underneath my Sapphire. I was excited to see that I was approved for $6100. Called costumer service to make sure and verify that it’s not a mistake and they said yes it was approved. So with my odds of just fair I think Chase consider your other accounts with them maybe and if you’re in good standing maybe they base it on that as well. My payment history is at 100%. CS is 690 at the moment but I just started building my credit for about 3 years now. So happy to say I’m excited to have this card and will take advantage of that 15 months 0% APR.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 16.49% - 25.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 16.49% - 25.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I've had this card less than 1 month and already made a good size payment, and that's where the issue began.
What they don't tell you in any documentation is that they will show your balance as lowered by the payment amount, but if you look at your available credit it won't show the payment.
From what the customer service rep told me, they place all new accounts into a payment hold for the first 4 months. On my case nearly a week from payment date to phone call had lapsed and they said it would still be additional time before it cleared.
I ended up calling since I didn't know anything about this "payment hold" and to prove my payment has cleared they did a conference call with my bank, it was only after that that they released the hold..
They said that I would need to repeat that process over the next 4 months.. Other cards I have have never had more than a 2 business day hold.
I'm probably going to take a hit on my credit, but this account is getting closed, and probably before the first bill even is cut.
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