topic Re: Shot down for CSP - should I recon for Freedom? in Credit Cards

Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:07:30 GMT

I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

I kind of hate the fact that I "wasted" an inquiry. Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

I figured that since I used the inquiry, I might as well get something....

Re: Shot down for CSP - should I recon for Freedom?

newportguy — Wed, 14 Nov 2012 05:10:28 GMT

I would... You have nothing to lose

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:12:17 GMT

newportguy wrote:
I would... You have nothing to lose

Well it could lower my AAoA. Does having a Freedom help with getting other Chase credit products?

Re: Shot down for CSP - should I recon for Freedom?

armbenderc — Wed, 14 Nov 2012 05:12:20 GMT

charyot77 wrote:
I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

I kind of hate the fact that I "wasted" an inquiry. Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

I figured that since I used the inquiry, I might as well get something....

What is your highest credit card limit?

Yes, I would try and ask for freedom card.

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:12:56 GMT

armbenderc wrote:
charyot77 wrote:
I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

I kind of hate the fact that I "wasted" an inquiry. Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

I figured that since I used the inquiry, I might as well get something....
What is your highest credit card limit?

Yes, I would try and ask for freedom card.

My highest credit limit is a $4000 card from US Bank that I got in September.

Re: Shot down for CSP - should I recon for Freedom?

newportguy — Wed, 14 Nov 2012 05:16:22 GMT

Any new card ( but Amex if you already have 1) will lower your AAoA. The Freedom will get you in the door with Chase if your approved.

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:16:37 GMT

newportguy wrote:
Any new card will lower your AAoA. The Freedom will get you in the door with Chase if your approved.

Good point....has this been done before? I wonder if anyone else has asked for a lower tier card.

Re: Shot down for CSP - should I recon for Freedom?

RyVision — Wed, 14 Nov 2012 05:27:14 GMT

charyot77 wrote:
newportguy wrote:
Any new card will lower your AAoA. The Freedom will get you in the door with Chase if your approved.
Good point....has this been done before? I wonder if anyone else has asked for a lower tier card.

You could always call Chase and ask that very question. Sometimes they are very personable, esp if you get the right person. Just ask them if they can use the credit report they pulled for you CSP application for consideration on a Freedom, you have a decent chance being you're asking for a lesser card (Freedom's CL's are all ranges). Your stats are very much in line for a Freedom even if they don't think you've had enough exp with high enough limits for CSP.

It sure can't hurt to ask since you've already taken an HP for the CSP attempt. Tell them you were thinking of looking into Discover, but since Chase already had your current report, you'd thought you'd call and ask about the possiblity with Freedom. :smileywink:

Re: Shot down for CSP - should I recon for Freedom?

trumpet-205 — Wed, 14 Nov 2012 05:28:59 GMT

I'm not sure what you are asking is even allowed in the first place. Asking for Freedom is not reconsideration, but rather asking for a new card.

Beside, by doing that you won't be able to get sign up bonus on Freedom.

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:33:27 GMT

That's too bad. Is the regular Sapphire card also a Signature card?

Re: Shot down for CSP - should I recon for Freedom?

newportguy — Wed, 14 Nov 2012 05:36:44 GMT

That's too bad. Is the regular Sapphire card also a Signature card?

Yes it is

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:38:08 GMT

newportguy wrote:
Yes it is

Then I'll just ask, and see what they say. I definitely wont be opening an account if it means missing out on the signing bonus. And I dont need the Slate.

Re: Shot down for CSP - should I recon for Freedom?

ccnewcc — Wed, 14 Nov 2012 05:40:32 GMT

Why wouldn't you get the sign up bonus? Don't all new cards come with a sign up bonus of 100$ if 500 is spent in the first 3 months?

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 05:41:28 GMT

ccnewcc wrote:
Why wouldn't you get the sign up bonus? Don't all new cards come with a sign up bonus of 100$ if 500 is spent in the first 3 months?

Because I originally applied for a CSP. It may not be possible to ask to be considerd for a Freedom, but if I am...they may not offer the sign-up bonus.

Re: Shot down for CSP - should I recon for Freedom?

newportguy — Wed, 14 Nov 2012 05:43:42 GMT

Then I'll just ask, and see what they say. I definitely wont be opening an account if it means missing out on the signing bonus. And I dont need the Slate.

How can you miss the sign up bonus.!!!!!! You don't even have a chase card yet. The other post about you missing the sign up bonus is incorrect.

Re: Shot down for CSP - should I recon for Freedom?

trumpet-205 — Wed, 14 Nov 2012 05:47:46 GMT

newportguy wrote:
Then I'll just ask, and see what they say. I definitely wont be opening an account if it means missing out on the signing bonus. And I dont need the Slate.

How can you miss the sign up bonus.!!!!!! You don't even have a chase card yet. The other post about you missing the sign up bonus is incorrect.

You get sign up bonus by filling up application. If OP does manage to recon for Freedom, he/she won't get it because he/she didn't fill out a Freedom application to begin with.

Sign up bonus is application depended. That's why by filling out application at different website you get different sign up bonus.

Re: Shot down for CSP - should I recon for Freedom?

ccnewcc — Wed, 14 Nov 2012 05:53:17 GMT

charyot77 wrote:
ccnewcc wrote:
Why wouldn't you get the sign up bonus? Don't all new cards come with a sign up bonus of 100$ if 500 is spent in the first 3 months?
Because I originally applied for a CSP. It may not be possible to ask to be considerd for a Freedom, but if I am...they may not offer the sign-up bonus.

The Freedom has had this offer for....gee, seems like an eternity now... at least for several months. That this is their standard offer. New Freedoms will come with the sign up bonus and all the other perks and offers that come with the Card.

Re: Shot down for CSP - should I recon for Freedom?

trumpet-205 — Wed, 14 Nov 2012 05:58:23 GMT

If you apply CSP at Chase website, it is 40,000 points after $3,000 spending. This is not the same as your standard Freedom offer.

Re: Shot down for CSP - should I recon for Freedom?

charyot77 — Wed, 14 Nov 2012 06:31:58 GMT

trumpet-205 wrote:
If you apply CSP at Chase website, it is 40,000 points after $3,000 spending. This is not the same as your standard Freedom offer.

Yes I originally applied for a CSP, but was told that I didnt have enough experience with big limits. Since the Freedom is a regular card, I wanted to see if they would consider me for that instead.

I could understand why they would not give the sign-up bonus for the Freedom...but as far as I can tell, the applications for all of the Chase cards look exactly the same...one should be as good as another in my opinion.

Re: Shot down for CSP - should I recon for Freedom?

toiletbowl69er — Wed, 14 Nov 2012 09:19:40 GMT

charyot77 wrote:
I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

I kind of hate the fact that I "wasted" an inquiry. Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

I figured that since I used the inquiry, I might as well get something....

How was your credit score, AAoA, any baddies, and current utilization rate at the time of application? Or was it just that one reason you got denied?