Got FICO? Posted May 19, 2007 Report Share Posted May 19, 2007 As of today no more subprime cards!!!!!!Got the Chase Freedom and will be transferring balances from 1st premier and Orchard bank.Chase pulls primarily TU but I think EX also got pulled. EX has traditionally been a thorn in my side but since my new mortgage was posted on my CR my EX went up 40 pts. to the 625 range and my TU is in the 680 range.I feel like a million bucks; not even a year ago my scores were in the upper 400s and lower 500s; on time payments and knowing how to delete and fix my baddies has paid off."They like me, they really like me!!!!" Link to comment Share on other sites More sharing options...
cajunbulldog Posted May 19, 2007 Report Share Posted May 19, 2007 Congrats on approval.Just remember they pull hards for a requested credit line increase. Uncertain if they still ratejack. Link to comment Share on other sites More sharing options...
sambabchip1 Posted May 19, 2007 Report Share Posted May 19, 2007 accpunts. i have 4 or 5 sub prime cards that i have 0 bal. but i keep them openthxsam Link to comment Share on other sites More sharing options...
Got FICO? Posted May 19, 2007 Author Report Share Posted May 19, 2007 OK Cajun BD, seems like you have some expertise here. I have a question; upon activation of the card I was going to ask for a CLI to match the limit I have on a joint Chase account that I have with my mother. Don't really care about the inquiry because I can bump it anyway.........well in time.What do you think? Is it possible? Link to comment Share on other sites More sharing options...
jc72 Posted May 20, 2007 Report Share Posted May 20, 2007 Congrats!Did you have any negatives? Link to comment Share on other sites More sharing options...
cajunbulldog Posted May 20, 2007 Report Share Posted May 20, 2007 I did ask for a credit line increase at activation. I ate a hard and was bumped from $3500 to $15K. I have ave. Fico of 788 and they were competing with my Amex account. If you can "b" it off,I see no harm in trying.They seemed to cap me at $15K with two seperate denials for more so they are currently collecting dust in my offshore bag! Link to comment Share on other sites More sharing options...
Got FICO? Posted May 21, 2007 Author Report Share Posted May 21, 2007 JC had two COs one from 6 years ago and the other paid less than full. The lady that called to verify home phone/address asked me about the one paid less than full and must of liked my answer because she said that she was giving me a 3500 card.I also have student loan lates 120 days three years ago. Link to comment Share on other sites More sharing options...
jamesjmcgee Posted May 23, 2007 Report Share Posted May 23, 2007 I got a chase today! only a 300 limit, but hey they gave me one when Jc penny,lowes, and juniper said no. Link to comment Share on other sites More sharing options...
mspzcpmom Posted May 23, 2007 Report Share Posted May 23, 2007 With Chase - DO NOT ever be late or DO NOT ever go near your credit limit or else you will see your interest rate at 29.99% and they will not help you with a lower rate. They are difficult to deal with so be careful. Link to comment Share on other sites More sharing options...
Got FICO? Posted May 24, 2007 Author Report Share Posted May 24, 2007 Thanks that's definitely advice I would need to know! Link to comment Share on other sites More sharing options...
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