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.
You can apply for the Chase Freedom Unlimited card online or by submitting a written application at a Chase Bank branch. You can't apply for a Chase Freedom Unlimited card over the phone.
To apply for Chase Freedom Unlimited online, you'll have to supply Chase with your name and address, date of birth, income and employment information, contact details, and 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
Having that said, you can always check your application status by logging into the account you created when you applied. Simply click on the options menu (3 horizontal lines) in the upper left corner, then click on “Application status.” There, you can see all your pending Chase credit card applications and their statuses.
Ultimately, if your application is rejected, Chase will tell you why 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.
The Chase Freedom Unlimited® credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Chase Freedom Unlimited 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
If you excel in other areas, 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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