Chase freedom 7-10 message

[taxi818]

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@CreditCuriousity wrote:

Sorry to hear ...  What is your available open credit if you don't mind me asking?  Utilzation and is your available credit > income x 1 or x2?

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I think that is the problem. i put down my expected income for 2014. as 38k. last year i cleared. 70k. So i put 38k and m available. is about 75k

2 times my income. my utilization is about 7percent. not so bad. she clearly said that was the only reason for denial. experian at 703. she did mention i had 13 new accounts in the last year. 2 in the last 6 months.. so im sure that is it as well. i have 1 baddie. she did not mention. a 5 year old collection from a cable bill. brighthouse. paid in full. only negative ever. so. its ok. i really have more than i need. i was trying to get some cusion as i will use about 10k of this credit in the next 6 months. 7k for taxes. and 3k for travel. then the cards i use i will SD and pay them off slowly. thanks all. im not upset. just had to have 1 more app before the end of 2014.

too bad i have to go back to seedling.

[Creditcurious74]

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@taxi818 wrote:

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@CreditCuriousity wrote:

Sorry to hear ...  What is your available open credit if you don't mind me asking?  Utilzation and is your available credit > income x 1 or x2?

---

I think that is the problem. i put down my expected income for 2014. as 38k. last year i cleared. 70k. So i put 38k and m available. is about 75k

2 times my income. my utilization is about 7percent. not so bad. she clearly said that was the only reason for denial. experian at 703. she did mention i had 13 new accounts in the last year. 2 in the last 6 months.. so im sure that is it as well. i have 1 baddie. she did not mention. a 5 year old collection from a cable bill. brighthouse. paid in full. only negative ever. so. its ok. i really have more than i need. i was trying to get some cusion as i will use about 10k of this credit in the next 6 months. 7k for taxes. and 3k for travel. then the cards i use i will SD and pay them off slowly. thanks all. im not upset. just had to have 1 more app before the end of 2014.

too bad i have to go back to seedling.

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Sorry to hear that, but look at the bright side, you have encounter new accounts this year so take that as a accomplishment..

[chalupaman]

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@taxi818 wrote:

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@CreditCuriousity wrote:

Sorry to hear ...  What is your available open credit if you don't mind me asking?  Utilzation and is your available credit > income x 1 or x2?

---

I think that is the problem. i put down my expected income for 2014. as 38k. last year i cleared. 70k. So i put 38k and m available. is about 75k

2 times my income. my utilization is about 7percent. not so bad. she clearly said that was the only reason for denial. experian at 703. she did mention i had 13 new accounts in the last year. 2 in the last 6 months.. so im sure that is it as well. i have 1 baddie. she did not mention. a 5 year old collection from a cable bill. brighthouse. paid in full. only negative ever. so. its ok. i really have more than i need. i was trying to get some cusion as i will use about 10k of this credit in the next 6 months. 7k for taxes. and 3k for travel. then the cards i use i will SD and pay them off slowly. thanks all. im not upset. just had to have 1 more app before the end of 2014.

too bad i have to go back to seedling.

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I think it has more to do with newer accounts and stuff. You can always try recon again and if that doesn't work, just try again at another time when your accounts are older.

[Anonymous]

I applied a few days ago, but got denied because of the charge off and 2 collections I have. Don't think I'm applying for anymore cards till I get those squared away in March/April. 

[uswala]

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@taxi818 wrote:

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@chalupaman wrote:

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@taxi818 wrote:

Just apped for freedom to get in with chase. Got pending message. Says if approved card will arrived in a few days. In denied a letter will arrive. Can I call to recon now?  Anyone has number. Thanks. Back door number needed. 

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I've gotten the 7-10 day message before resulting in a denial and usually it's been verification stuff if it says it's pending and that you'll receive a response in the next 30 days but maybe your case might be different. In either case, just be sure to have a convincing plea for them to overturn the decision if it's a denial. You might have to try it several times.

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I called first number. Denied. Rep said. Reason was. Too much available credit. Don't know if I even want to recon.  

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Sorry to hear that. Chase seem to have same issue with a lot of people. They refuse to give me any CLI citing the same reason.

[Anonymous]

Did you check chase pre-approve site first? try it sometimes even after u got denied if there is an offer they will approve you lol dont ask me why but chase is odd!

[Creditwiser]

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@Anonymous wrote:

Did you check chase pre-approve site first? try it sometimes even after u got denied if there is an offer they will approve you lol dont ask me why but chase is odd!

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This is a good point !  Ive recently read a thread or two where people were denied the app but approved via prequal. 

[Anonymous]

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@Anonymous wrote:

Did you check chase pre-approve site first? try it sometimes even after u got denied if there is an offer they will approve you lol dont ask me why but chase is odd!

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I just did and they didn't have anything for me lmao. Guess my credit is still too bad. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Did you check chase pre-approve site first? try it sometimes even after u got denied if there is an offer they will approve you lol dont ask me why but chase is odd!

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I just did and they didn't have anything for me lmao. Guess my credit is still too bad. 

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Don't feel bad. I have 4 cards with them and still can't get a Slate pre-approval!

[FinStar]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Did you check chase pre-approve site first? try it sometimes even after u got denied if there is an offer they will approve you lol dont ask me why but chase is odd!

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I just did and they didn't have anything for me lmao. Guess my credit is still too bad. 

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Don't feel bad. I have 4 cards with them and still can't get a Slate pre-approval!

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Forget the Slate... I think the Ritz is calling your name now

https://www.theritzcarltonrewardscard.com/offer140k