This page may include: credit card ads that we may be paid for (“advertiser listing”) and general information about credit card products (“editorial content”). All information is presented without any warranty or guarantee to you. And the advertised offers may be subject to additional terms and conditions of the advertiser. So, your actual offer terms from an advertiser may be different than the offer terms on this site. We strive to keep our information accurate and up-to-date, but some information may not be current. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. To support our work, we are paid for providing advertising services. Our reporters create honest, accurate, and objective content to help you make decisions. You may want to increase your credit score first, and then apply for a Freedom-branded credit card once you have good credit.We are an independent publisher. However, there's a much higher likelihood of a denial. It's still possible, and having a bank account with Chase can help. Successful applications from consumers in this position are rare. If you haven't reached a credit score of 670 yet, Chase probably may not approve you for the Chase Freedom Unlimited® or the Chase Freedom Flex℠. You could consider opening a Chase bank account if you want to improve your chances of success. There are indications that consumers who bank with Chase have better approval odds for Chase credit cards. Otherwise, Chase could deny your application because your credit file is too thin, regardless of your credit score. That means you should have a credit card you've been using for a year or longer with no late payments. Other factors that can affect your application include:īased on reports consumers have made, a credit history of at least one year is recommended before applying for the Chase Freedom Unlimited® or the Chase Freedom Flex℠. You're better off not applying for now if you won't pass this rule. This practice is known as Chase's 5/24 rule. If it's five or more, Chase almost always denies the application. One of the most important is the number of Chase credit cards you have opened in the past 24 months. Chase looks at several factors in addition to an applicant's credit score. Keep in mind that a credit score of 670 or above doesn't guarantee an approval. Just make sure you choose a way that provides your FICO® Score. There are plenty of free ways to get your credit score online to see if you're likely to meet the threshold for the Chase Freedom Unlimited® credit score. This is another type of credit score that can be much different. Quite a few online credit score tools provide your VantageScore. When Chase checks your credit, it pulls a specific type of credit score known as your FICO® Score. Most successful applicants have good credit, which starts at a credit score of 670, and many have credit scores in the 700s. To get the Chase Freedom Unlimited® or the Chase Freedom Flex℠, you should have a credit score of 670 or higher.
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