Does Chase Freedom Unlimited do a hard pull? This question is about the Chase Freedom Unlimited®

Does Chase Freedom Unlimited do a hard pull?

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This question is about the Chase Freedom Unlimited®

William Memphis, WalletHub Credit Card Advisor

@bill.memp1 • 08/25/21 This answer was first published on 08/25/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, Chase Freedom Unlimited does a hard pull. Having said that, please note that the Chase Freedom Unlimited requires a credit score of at least 700 (i.e. good credit).

At this point, it is worth mentioning that you can check if you prequalify for the Chase Freedom Unlimited on Chase's pre-qualification page. This will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.

Lastly, you can learn more about how to minimize the credit score damage by reading this article.

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How do I apply for the Chase Freedom Unlimited card?

You can apply for the Chase Freedom Unlimited card online or in person at a Chase Bank branch. You can't apply for a Chase Freedom Unlimited card over the phone.

Here’s how to apply for the Chase Freedom Unlimited card:

Online: To apply for Chase Freedom Unlimited online, you'll have to supply Chase with your personal and financial information, and your Social Security Number (SSN). In most cases, you’ll get a decision instantly, but it could take up to 30 days to receive a decision letter by mail. ... read full answer

In person: You can also submit a Chase Freedom Unlimited application at a Chase branch location during normal business hours.

Keep in mind that you can always check your application status over the phone at (800) 945-2000. It should only take a few minutes to find out whether your Chase Freedom Unlimited application is approved, denied, or pending. There is no option to check the status of your application online.

Ultimately, if your application is rejected, Chase will tell you the reason(s) in the letter they send you. If you were rejected but you feel you qualify for the card, call the reconsideration line at (888) 270-2127 and state your case to a representative.

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What credit bureau does Chase Freedom Unlimited use?

There's no way to tell with certitude what credit bureau Chase will use to process your Chase Freedom credit card application, as that information is not publicly available.

Nevetheless, you can use the answer here as a guideline. As you can see, that can vary from state to state, but they certainly seem to prefer Experian and TransUnion. ... read full answer

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What is the Chase Freedom Unlimited credit score requirement?

The Chase Freedom Unlimited credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Chase Freedom Unlimited card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Chase Freedom Unlimited credit score requirement. You can check your credit score for free on WalletHub.

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