- Centurion Member
- Posts: 232
- Joined: Sun Jul 17, 2011 11:47 am
- Website: http://www.ivotedale.tumblr.com/
- Location: Mesa, AZ
I don't really have any huge pointers on the Chase Freedom- I was sort of surprised I was approved. I wasn't instantly approved, as it said I would receive a decision within 10 business days; I called one of the backdoor numbers here a couple days after however, and an automated teller told me I was approved for a $1,000 limit, quite generous from having a $500 Capital One card. I'll never use that much in a month anyway, but I had the Zync one month before the Chase inquiry, which why I was a bit hesitant. I believe they too pulled from Experian.
If anything though, you'd probably have a much better chance at the Chase Freedom than the Blue Cash Preferred imo.
I figured my current three cards are the best for my situation anyway- Cap One is one of my first cards (longest history), no foreign transaction fee, double cash back for travel purchases.
Chase Freedom has 5% quarterly cashback deals, as well as the $200 sign-up bonus.
Lastly, the Zync is my foot in the door w/ Amex, and will use that a long while before getting a Blue Cash credit card.
As far as scoring- I signed up for Zync's financial pack, which indicates my current credit report and credit score- it says 728. Upon receiving my new card information from Chase however, it showed a 628-ish score. I'm not sure what the deal is, though I don't know that a new account would bring it down 100 points.
I just checked my updated report from Amex, shows the new Chase account in the report, but the 728 score appears the same. So who knows.
Edit: i should also mention I've banked with Chase for a few years now, so I'm not sure if that had any influence on approval.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF