topic Re: Chase recon? in Credit Cards

Chase recon?

kwazziee — Tue, 09 Oct 2012 18:52:16 GMT

Okay so I really want the Chase Freedom but my utl is around 50% due to being on my DW Chase Freedom Card. EDIT: I am an AU on my DW card.

I have my business banking with them for one year now. If I app and get denied can I call and recon right away or should I wait tomorrow? Will my business banking with them help? There has been a 20K - 40K deposit in total each month since account was opened? Will this help with my recon? Thanks.

Re: Chase recon?

kwazziee — Tue, 09 Oct 2012 19:20:54 GMT

BUMP! Anyone?

Re: Chase recon?

alboto — Tue, 09 Oct 2012 19:28:41 GMT

Having a relationship with them will definitely help, I was approved two months ago with a 78% util. And the only reason I was approved was because I had checking/savings with them. During the application they will ask you if you have an account with them.

Re: Chase recon?

migliogiorni — Tue, 09 Oct 2012 19:29:44 GMT

What is your overall uti, is this your only card? recons can be requested immediately.

Re: Chase recon?

Jlu — Tue, 09 Oct 2012 19:30:58 GMT

You may be in luck since Chase generally does not include AU accounts in their analysis.

Re: Chase recon?

kwazziee — Tue, 09 Oct 2012 19:41:20 GMT

migliogiorni wrote:
What is your overall uti, is this your only card? recons can be requested immediately.

My overallutl. is around 50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

Re: Chase recon?

Jlu — Tue, 09 Oct 2012 19:42:35 GMT

kwazziee wrote:
migliogiorni wrote:
What is your overall uti, is this your only card? recons can be requested immediately.

My overallutl. is around 50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

No, you should re-read my post and realize your DW's utilization has no impact on your own approval/denial.

Re: Chase recon?

kwazziee — Tue, 09 Oct 2012 19:44:51 GMT

Jlu wrote:
kwazziee wrote:
migliogiorni wrote:
What is your overall uti, is this your only card? recons can be requested immediately.

My overallutl. is around 50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

No, you should re-read my post and realize your DW's utilization has no impact on your own approval/denial.

Didn't see that. Thank you for the response. I think I will pull the trigger today. Thanks again.

Re: Chase recon?

Jlu — Tue, 09 Oct 2012 19:55:48 GMT

You're welcome. Good luck & please report back.