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Chase Freedom -- denied, APPROVED AFTER RECON!

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Eschaton
Regular Contributor

Re: Chase Freedom -- APPROVED AFTER RECON

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful Smiley Happy 

Capital One Journey (12/2010) $750 | Chase Freedom (03/2012) $3500 | American Express Zync (03/2012) NSPL | Amazon Prime (08/2018) $6000 | Chase Sapphire Preferred (10/2018) $8000 | Bank of America Cash Reward 10/2018 $8000 | Chase Freedom Unlimited 06/2019 $2700

Experian score: 793 (9/2018)
Message 31 of 52
MsLadyRover
Valued Contributor

Re: Chase Freedom -- APPROVED AFTER RECON

CONGRATULATIONS!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 32 of 52
Anonymous
Not applicable

Re: Chase Freedom -- APPROVED AFTER RECON

Good for you! Congrats Smiley Very Happy

Message 33 of 52
mAndrew1980
Established Contributor

Re: Chase Freedom -- APPROVED AFTER RECON

Yay!!!! Congrats!!!! You just got yourself a great card.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 34 of 52
FrugalRican
Blogger

Re: Chase Freedom -- APPROVED AFTER RECON


@Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful Smiley Happy 


It's a start.

See, not so terrible to call a second time Smiley Happy And you didn't even get the dreaded "no".


Congratulations!

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 35 of 52
LS2982
Mega Contributor

Re: Chase Freedom -- APPROVED AFTER RECON


@Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful Smiley Happy 


Big Congrats Eschaton!!!!!!!




EQ FICO 548 3/3/16
Message 36 of 52
casi218
Valued Member

Re: Chase Freedom -- APPROVED AFTER RECON

Yay! Glad it worked out for you Smiley Happy

Message 37 of 52
Anonymous
Not applicable

Re: Chase Freedom -- APPROVED AFTER RECON


@Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful Smiley Happy 


That is awesome!  Congrats!

Message 38 of 52
radiomando
New Contributor

Re: Chase Freedom -- APPROVED AFTER RECON

congrats!  now you can request the special cash back offer ( $300  after first $500 spent)   send the request thru the secure message center once you set up you online acct.  they will be happy to oblige Smiley Happy

Message 39 of 52
AF_23
Frequent Contributor

Re: Chase Freedom -- denied, APPROVED AFTER RECON!


@Eschaton wrote:

Hi guys, I just got denied by Chase Freedom, I thought I'd apply because of all the success I've seen lately.

 

I was denied for: 

 

Length of time on accounts that have been established (1 year 3 months)

Too many inquiries in the last 12 months (2, 1 from a credit union to open an account and one from Amex)

Balances too high compared to credit limites (20% utilization)

 

My question is, is it worth trying to recon this? I kind of expected the denial because my low history

 

They pulled EX and said my score was 728.


 Chase is all over the place it seems. I had 2 INQ that Citi and BoA reported 1 day before i apped for a Freedom when i went on an application spree. They said nothing to me. Your balances arent high either. Its like they made up reasoning to deny you Smiley Sad

Message 40 of 52
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