topic Re: Recon for chase freedom success! in Credit Cards

Recon for chase freedom success!

langchevy — Mon, 08 Oct 2012 01:56:36 GMT

So today I got the itch to apply for the Chase Freedom after clicking on and off the app page for about 20 minutes. I did the application and got the dreaded "account pending further review". I then decided not long after to call the app status number which told me the same thing (I was expecting to get a denial at this point, but it still said pending further review) At which point I got really brave and called the backdoor recon number. On the other end was a very polite young analyst. She told me my card had been declined due to too many inquiries. She asked me why I had so many inquiries, which I had 8+ in the last three months. I explained to her that 7 of those were for an auto loan I was trying to get. She asked if I would like to have her take "another look". Which surprised me greatly due to the fact that most of what I read is the customer initiating the recon, not the analyst. I then explained to her that all my revolving accounts where always paid in full before the end of each month. She then asked me about my employment history, income, and housing obligations. After which I was put on hold for about 5 minutes, which felt like 5 hours. She comes back on the phone and says congrats Mr.. Langchevy let me get everything finalized for you and we will be sending out your card within 5-7 days. I was approved for a $1,000 limit.

My EQ fico score at the time was 699 not sure what TU was or is.

My credit history real quick

BBRZMC $700 limit opened 1/1/10

Cap 1 Classic Platinum $1000 limit opened 12/1/11

Jareds $1250 limit opened 6/2/12

So at this point I'm pretty excited about the whole thing and plan on using the chase card as my main card and sock drawering the rest.

Hope you enjoyed my recon story.

Re: Recon for chase freedom success!

littlelottie — Mon, 08 Oct 2012 01:58:27 GMT

Congrats! The freedom is a great card.

Re: Recon for chase freedom success!

adavis425 — Mon, 08 Oct 2012 02:02:18 GMT

Congrats!!!! :smileytongue: I don't see the sense in wasting an inq without at least attempting a recon. They can only say no-and they've said that already. What do you have to lose?? Wtg!

Re: Recon for chase freedom success!

shakalaka — Mon, 08 Oct 2012 02:12:12 GMT

Congrats

Re: Recon for chase freedom success!

Mellon — Mon, 08 Oct 2012 02:22:09 GMT

congrats!!

Re: Recon for chase freedom success!

isoldmyatlas — Mon, 08 Oct 2012 02:38:18 GMT

Congratulations!! Chase does seem to have a really nice recon staff, I had great service from them today as well.

Re: Recon for chase freedom success!

langchevy — Mon, 08 Oct 2012 02:49:19 GMT

Thanks for all the well wishes guys. I'm new here and wasn't sure how my post was going to be reacted to. I'm glad to see a lot of you are very helpful and contribute to the threads around here in a friendly and professional manner. It's definitely a breathe of fresh air compared to some of the forums I frequent. I will say that I honestly don't think that I would have gotten approved have I not read the many threads and FAQ's around here. I would again like to extend my thanks to this forum and it's members!

Re: Recon for chase freedom success!

migliogiorni — Mon, 08 Oct 2012 03:52:24 GMT

congrats it's nice to see others lurking and using the tools given on this website. Very nice card to.

Re: Recon for chase freedom success!

jnkp2001 — Mon, 08 Oct 2012 04:05:51 GMT

I just got the denial letter yesterday. It said because I had a bankruptcy. My bk is over 7 yrs old!:smileyfrustrated: I'll admit I have a high utilization. so, my question is, If I do a recon, do they just look at the bk? and can they tell me what my score was? Thanks for the help.

Re: Recon for chase freedom success!

Shogun — Mon, 08 Oct 2012 04:18:44 GMT

Nice card. Congrats!!!

Re: Recon for chase freedom success!

kwazziee — Mon, 08 Oct 2012 04:59:16 GMT

jnkp2001 wrote:
I just got the denial letter yesterday. It said because I had a bankruptcy. My bk is over 7 yrs old!:smileyfrustrated: I'll admit I have a high utilization. so, my question is, If I do a recon, do they just look at the bk? and can they tell me what my score was? Thanks for the help.

They will more than likely to look at your overall CR and not just your BK. In any case when you are denied for any credit you have the right to request your score.

Just so you know, instead of hijacking this thread make another thread and I am sure you will get more response to your question.

Re: Recon for chase freedom success!

jnkp2001 — Mon, 08 Oct 2012 05:23:51 GMT

how am I hijacking this thread? It's about Chase freedom card....:smileywink:

Re: Recon for chase freedom success!

MountainHiker — Mon, 08 Oct 2012 07:00:09 GMT

Congrats and welcome to the Chase family!!

Re: Recon for chase freedom success!

tinuviel — Mon, 08 Oct 2012 17:19:44 GMT

jnkp2001 wrote:
how am I hijacking this thread? It's about Chase freedom card....:smileywink:

While it's true that this is about the Freedom card from Chase, the OPs experience with this matter is a bit different from yours. You have a question that is specific to YOUR experience. So, posting a separate thread would most likely result in your getting better responses, as your question wouldn't be buried in the middle of someone else's thread. :)

Re: Recon for chase freedom success!

rtw — Mon, 08 Oct 2012 17:30:21 GMT

Congrats! Nice success story.

Re: Recon for chase freedom success!

maiden_girl — Tue, 09 Oct 2012 10:59:49 GMT

Congrats on recon success! Never take a HP without attempting a recon! :D