Alexander 31 Posted February 20, 2008 Report Share Posted February 20, 2008 Chase Freedom cardWhat a great, great FICO score can do!I am putting this in the credit repair forum to give people hope and to gloat a bit.I applied for a Chase Freedom card online last week. I was immediately approved. This is a cash rebate card. It pays 1.25% on all purchase and 3.75% on the 3 most used of 15 bonus categories.I got a CL of $9,500 and an interest rate of 15.99% variable. Never mind that the Schumer box on the on-line site lists the interest rate at 17.24% variable. Oh and I get a one time $50 back bonus in about 8 weeks.I called the regular 24 hour customer service number on the back of the card and an automatic system activated the card. I pressed option zero to go to a service rep. I asked for a CL increase. She asked me what I would like. I said $25,000. She asked me my income, what I do and why I wanted the increase. I told her the answer to the first two questions and said that I wanted to keep my credit utilization low on the card. She said they would have to do a hard pull. I said fine. I got the $25,000. Then I asked if I could get a lower interest rate. She transferred me to a supervisor.The supervisor said I could have either 9.99% fixed predominately or Prime + 1.99 variable = 7.99%. I took the Prime + 1.99%.Last known FICO score = 788 from my Equifax file via MyFICO.com about 10 months ago.Te He!http://www.chasefreedomnow.com/home Link to post Share on other sites
andrena67 15 Posted February 20, 2008 Report Share Posted February 20, 2008 great job.. Link to post Share on other sites
Amerikaner83 1,026 Posted February 20, 2008 Report Share Posted February 20, 2008 Lucky bast_rd Link to post Share on other sites
nylady 21 Posted February 20, 2008 Report Share Posted February 20, 2008 Congrats:D:DWanna switch scores? Link to post Share on other sites
hasas13 64 Posted February 20, 2008 Report Share Posted February 20, 2008 Just what I need. just what I need. Congrats:mrgreen: Link to post Share on other sites
justagirl003 10 Posted February 20, 2008 Report Share Posted February 20, 2008 *jaw drops* Congrats! Link to post Share on other sites
TheRoadBack 39 Posted February 20, 2008 Report Share Posted February 20, 2008 nice score and cl....congrats Link to post Share on other sites
CleverCynic 1,029 Posted February 20, 2008 Report Share Posted February 20, 2008 That's a goal card for me. Way to fight for better terms! Link to post Share on other sites
Alexander 31 Posted February 20, 2008 Author Report Share Posted February 20, 2008 Lucky bast_rd Yup. But I worked long and hard to build up my credit profile. I started with a CH 7 BK and 32 negative accounts and public records across 3 credit files in 2001. Now I have over 100K in CL and 13 credit cards 5 of which are cash rebate cards of one type or another. Link to post Share on other sites
AboveAverage 779 Posted February 20, 2008 Report Share Posted February 20, 2008 Yup. But I worked long and hard to build up my credit profile. I started with a CH 7 BK and 32 negative accounts and public records across 3 credit files in 2001. Now I have over 100K in CL and 13 credit cards 5 of which are cash rebate cards of one type or another.LOL..I was going to write a real long, angry, jealous rant... Then I read this. My friend, you have full license to gloat, brag and yell from the mountain tops your success story. If imitation is flattery, then I definitely wish to flatter you. Congrats man, and you seem to be at a place where BKs will never be a part of your life ever again. You definitely give me hope. Link to post Share on other sites
Happy 10 Posted February 21, 2008 Report Share Posted February 21, 2008 That is great...........congratulations.I have hope that I can be back there soon, too. Link to post Share on other sites
Amerikaner83 1,026 Posted February 21, 2008 Report Share Posted February 21, 2008 Yup. But I worked long and hard to build up my credit profile. I started with a CH 7 BK and 32 negative accounts and public records across 3 credit files in 2001. Now I have over 100K in CL and 13 credit cards 5 of which are cash rebate cards of one type or another.That's wonderful! You certainly do have standing to brag a little bitCongrats again! Link to post Share on other sites
PCS 37 Posted February 21, 2008 Report Share Posted February 21, 2008 I have 750 scores too, and I have $60,000 in credit card limits. If you want to keep your high score do not max out your credit cards. Pay them off every month! Link to post Share on other sites
Alexander 31 Posted March 5, 2008 Author Report Share Posted March 5, 2008 Agreed.I can’t remember the last time I went over 1% CL utilization. Link to post Share on other sites
Fizzle1979 720 Posted March 5, 2008 Report Share Posted March 5, 2008 I got Chase Freedom but with $1000 credit limit. haha Maybe one day I'll get back into the 750 club. Link to post Share on other sites
new mom 42 Posted March 5, 2008 Report Share Posted March 5, 2008 I am soooooooooooooooooooo jealous!!!!!!!!!!!!!!!!!Congrats Link to post Share on other sites
Magdalen77 395 Posted April 8, 2008 Report Share Posted April 8, 2008 Chase Freedom cardWhat a great, great FICO score can do!I am putting this in the credit repair forum to give people hope and to gloat a bit.I applied for a Chase Freedom card online last week. I was immediately approved. This is a cash rebate card. It pays 1.25% on all purchase and 3.75% on the 3 most used of 15 bonus categories.I got a CL of $9,500 and an interest rate of 15.99% variable. Never mind that the Schumer box on the on-line site lists the interest rate at 17.24% variable. Oh and I get a one time $50 back bonus in about 8 weeks.I called the regular 24 hour customer service number on the back of the card and an automatic system activated the card. I pressed option zero to go to a service rep. I asked for a CL increase. She asked me what I would like. I said $25,000. She asked me my income, what I do and why I wanted the increase. I told her the answer to the first two questions and said that I wanted to keep my credit utilization low on the card. She said they would have to do a hard pull. I said fine. I got the $25,000. Then I asked if I could get a lower interest rate. She transferred me to a supervisor.The supervisor said I could have either 9.99% fixed predominately or Prime + 1.99 variable = 7.99%. I took the Prime + 1.99%.Last known FICO score = 788 from my Equifax file via MyFICO.com about 10 months ago.Te He!http://www.chasefreedomnow.com/homeI remember reading your thread and being envious. About a week later I decided, "what the heck" and applied. I didn't get your great CL or interest rate, but $7,000 at 15.24% and 0% on all balance transfers is pretty darn good for me. My TU was only about 680 when they pulled it, so I'm amazed I even got the card. Link to post Share on other sites
