Chase Freedom Unlimited Denial When Should I Apply Again
Chase Freedom Unlimited®
Overall card rating
4.4
from Credit Karma members
Most helpful positive review
Credit Karma Member
I take 685 between the 2 scores on hither. Got canonical really quick but only a $500 limit. Oh well information technology'southward a start. I take a majuscule one with $half-dozen,500 and a delta rewards Amex with $thousand limit. This may be why it was so low only I also have 4 older derogatories. Trying to go my credit back in shape. Wish me luck.?
Nigh helpful negative review
Tedious Your Roll!
Credit Karma Fellow member
I had plan on submitting a review whether I was approved or denied, and then here goes. Similar many of you, I am also on the credit repair track. Terminal December I was approved for two Cap I cards after years of denials and credit fail. Since and then I've been responsible with using it and makin payments. I was fifty-fifty awarded an increase on both cards back in February. Since then I haven't practical for credit, but allowing my score to rise, slowly but surely; until yesterday, when I decided to pull the trigger to utilize for this carte. Now according to CK my chances were "good" and I did my due diligence and read every single review. But I wasn't canonical. I waited a day then called the afterthought line and I spoke to a very polite lady, who told me that I was on the right track but I wasn't approved because I need more of a history with the cards that I have. I figured that was fair plenty and that was that. My TU is at 650 and EQ is at 637. I have 0 derogatory remarks on my credit and I have 3 (now four) credit inquiries. Needless to say, I will not be applying for any kind of credit anytime soon my ii cards are upwards for another increment adjacent month and that volition have to suffice. If I could give any advance to anyone with circumstances similar to my own, seek preapproval from Hunt straight before applying, that'due south the just matter I would've done differently bated from reading reviews earlier pulling the trigger. Good luck!
Member ratings
All member reviews (1859)
995
262
119
67
416
FINALLY!!!
Credit Karma Fellow member
I accept been trying for three years!!! Information technology always gets declined and when I call reconsideration line they say I take too many new accounts. Even though I've been banking with them going on 8 years. My credit was ever good just I was always over the five/24 rule. I recently went under 5/24 and decided why the heck not, specially since synchrony closed my accounts. My scores were 741 TU/735 EQ. I'yard a college student making 35k a yr. Applied and got the 30 day bulletin. I got excited because the last 6 times were direct denials. The next twenty-four hours, I got an email maxim approved for $4,800!!!! I'm so happy. I have been trying for soooooo long. Credit Karma said approving odds were poor but I still shot and won!
Pre-approved
Credit Karma Fellow member
Approved using Chase pre-approval site. TU 702 EQ 702 EX 691 given $1800 credit line beginning chase card. They pull from EQ and EX. Easy to obtain sign on bonus. Looking to complete chase trifecta. Good catch all carte du jour.. Exist enlightened of 5/24 rule
CHASE SUCKS STAY Abroad U BEEN WARNED
Credit Karma Member
Customer SERVICE IS THE Absolute WORST
Great card for Hunt Bank customers
Credit Karma Fellow member
This carte gives the most cash back on my purchases more than than my other 2 cards. I admit to existence a little bias since the card payment is withdrawn and payed the aforementioned day because I'm a Hunt Depository financial institution customer, simply it's a large reward to my Amex and Capital 1. Client service is very helpful too. If I decide to acquire another credit card, information technology will definitely be from Hunt.
Take to call every time considering I can't log in.
Credit Karma Member
Horrible. It'south entering the twilight zone. Overseas call center. Bad telephone connection. Prepare password. Side by side twenty-four hour period it doesn't work. Try to reset and message says tin't discover the business relationship. Even with the social security number. FRUSTRATED!!
Don't believe approval odds of pre approvals
Credit Karma Member
This card was one of the cards that I was denied the carte du jour yet I got canonical for American Express. Took a ding on the credit rating when it showed the card to be favorable at credir karma and at Experian.
Great Carte du jour My become to!
Credit Karma Fellow member
I applied this card on a pre-approved noticed through chase, back in the Dec, 2020. 780 CS, 60k Income, 15k Credit line. Cant complain! Use it every time on 1.5% CB. Yous also get offers like 10% Off Stores/Services. I used a couple on Starbucks, DD, Udemy, Bose, Walmart etc.
AWFUL Feel
Credit Karma Member
I applied for and received the Chase Freedom Unlimited card. The card didn't arrive in the four business days they promised, more like 8 days, okay, could exist worse. I validated the card and ready upward my online business relationship, only started to see some problems on the website which was asking for data (address, email, telephone) that I had already supplied. During subsequent logins to the website I was repeatedly asked for the same information, as though I had never provided it and information technology apparently never gets saved. In my personal info department the website says in that location is a trouble - I oasis't supplied my address, yet there is no place to type it in. Attempts to actually use the credit carte failed so I tried calling the number on the dorsum of the bill of fare for back up. I was on agree for 2 HOURS AND 20 MINUTES before I finally had to hang upward and move on. On that call I had to listen to the recorded operator proverb over and over how much they appreciate my business organisation. I couldn't have a worse impression of Hunt and then far and experience that since I tin can't get through to them I volition take to just cancel the account. Horrible, stay away.
They dropped me
Credit Karma Member
Had the card for years along with 10 other cards. They dropped me out of the bluish. Years later I applied again , I accept a high credit score and many cards that I always pay in total before the due appointment only I effigy you know what I'm going to say. YES they denied me. Don't apply for this carte du jour, information technology will driblet your credit rating.
It is fine equally long as yous pay in full.
Credit Karma Member
To me credit card is a convenience detail non for credit. I don't apply a card unless I have the funds in my checking account first. I don't similar debit cards because if you lot experience fraud it's your money and information technology takes time to go squared away. Banks are in no bustle to refund your money merely eventually they do. To sum upwardly credit cards are good for cash back and brand it convenient for y'all to practice biz. Also I noticed a couple of people complaining about depression credit limits on new cards. The reason. Most likely it is considering of high limits i has available that even with first-class credit they want to limit exposure because y'all all ready take a deep well to take from.
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Source: https://www.creditkarma.com/reviews/credit-card/single/id/chaseFreedomUnlimited
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