Got it!
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.
Wonderful!
Applied & was approved for $11,500 with 725 credit score
approved
3 months of credit history and i was approved for 1000
thank you Chase for Believing in Me
also im a authorized user on a capital one card 4yrs old
helped me generated a fico Score
Current Fico 8 Scores are
Transunion 744 5inquirys
Equifax 766 3 inquirys
Experian 768 7 inquirys
Vantage score
Exp 708
Tran 710
Equifax 721
Current Cards
Discover Secured 1000
Capital 1 Secured 200
Self lender Loan 500
all accounts 3months old except my Authorized User acct
and Having a Checking Account with Chase Most likely Helped me get approved also. approval wasnt Instant, I had to Call the Fraud Prevention Number to Verify my Identity which i did that at my Local Chase Branch with assistance from My Banker
they Pulled My Transunion Report and My Experian
i hope this info Help
typo
Latest
Fico 8 Scores
Experian 744 7 inquirys
TransUnion 768 5 inquirys
Eqiufax 766 3 inquirys
Wonderful
I applied even though KK said my chances were poor. I bank with Chase and have maintained a good standing with them for the past few years. I was instantly approved for a card with a limit of $4300. That’s my highest limit and I was beyond pleased. My fico is 717 and my other scores are around 690 with excellent payment history but short credit length. I’d say if you bank with chase and it says poor odds then try anyway like I did. My capital one card was only a $300 limit and just raised to $500. Besides that all I have is HSN and Victoria secret both with limits under $700. It’s been a few weeks now and it hasn’t been closed all a sudden like others so I hope I’m in the clear. I just paid off my balance of $800 and will continue to keep using this card and paying it off monthly.
great review, im Literally the same when it come to Short history
and Banking with them..My Fico 8 is 744, 745, and 760
but im not applying yet i have 5 inquirys withing the last yr
i think its best i wait till they are a yr old
When you apply for credit , do so all at one time , I think you have a 14 day period where if you apply 10 x it will go on your CR as "One" inquiry, I had only 1 when i was approved , In fact i have the Chase Unlimited 15k and jut got the Freedom 20k , Keep your utilization at 10% , Pay it off every month
Poor customer policies here, avoid Chase
I had a Chase card. It was in good standing and closed by the company without proper notification. No email, no phone call, and they only sent one letter which was never recieved. They were also unwilling to reopen it despite the fact that I caught the situation after only 11 days. Their logic? It was already closed, so I had to apply for a new one. No exception or alternative. I will never do business with Chase again.
Excellent card!
not the best
they just up and closed my account because I was not using it enough. Informed me even if I tried to use it now, they would still close it. I have or had 2 different chase cards. I was getting good points on 1 and just keeping this 2nd card as a back up to increase my total credit amount. I've used up all my points from the 2nd card & got several hundred dollars in gift cards & now I'm going to close it as well.
Tricky and misleading indeed
They get off the phone quick if you are approved. They do this to avoid allowing you to do a balance transfer. Called back to see why the transfer didn't go through and the rep says that there is no such offer on the account. Wait 2 days to see if that offer comes available. If I wait two days it's not the day the card was approved therefore it won't qualify for sure. I will not recommend anytime soon a friend to volunteer to be taken advantage of.
Yeah, sure they want to avoid a balance transfer. If you are a good risk, they will almost beg you for a balance transfer if you carry a balance on another card. If you are not a good risk, they don't give you an option to transfer a balance lol. Ok, yeah, Chase is the problem.
Terrific card, free money!
This card is in the category of cards you wouldn't want to carry a balance on due to its high interest rate. With that being said if you use it to pay for items you have to purchase every month anyways which you would normally pay out of your bank account then it works extremely well. We use our card only to pay for food and gas and we have it configured to auto pay pay in full out of our checking account by its due date every month so we aren't incurring any interest fee's. We allow our reward points to stay and will use them to offest the cost our anuual vacation which we wil also use the card to pay for and pay off the balance immediately.
horrible experience
I was instantly approved and received my card quickly via mail. It was only used 2 days and then my card would decline my purchases. I checked my account only to find out my card was randomly closed 2 days later, with no notice. I called customer service and never got a direct nor helpful reply as to why this was happening. Do not waste your time!
What was your credit score and did you bank with them?
Instant Approval
Currently, score is in mid 600s- I was approved instantly, but only for a $500 CL. I am just needing this card to add to my number accounts, not for the actual credit. You can get approved if you are low 600s! Don’t lose hope!