@Anonymous wrote:It's not about telling them anything different. It's just about getting a new rep who may be more willing to approve you.
@Eschaton wrote:
@laboi_22 wrote:
You should call to recon again. Chase can take up to 3 calls before successful recon. Call them again tomorrow. Don't give up. Don't waste the HP!We can request a recon more than once?
Problem is, I'm not sure what I can tell them differently than today which would change the decision. They asked me my about my income, and was put on a brief hold. She came back and told me she wasn't able to over turn :/
exactly, maybe one in a approving mood!!!
Definitely call back! I don't want to give false hope but I had basically the same situation and had to call and recon 3 times! The third person finally gave me the green light 
My utilization was lower but my score was too. Like you, I also had a shorter AAoA but had 12 inq's!!! However 6 of those were for a car loan. I agree with others and say don't waste the HP! It can't hurt to try again!! The first call I made they told me no way and to call back once I paid on the cards I had for a year or so. Hope this helps! 
@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.
How'd you manage to call 3 times...
2nd time around, I was told "sir, looks like we already looked at this", i panicked and basically said I was sorry for calling lol 
third time, a different day, the lady actually looked at my file. and gave me the same reason the 1st lady gave me.
The only bad thing I see about your profile is that your aaoa is low. the inquires are bs
@FrugalRican wrote:Casi was one of the people I told to call at least twice.
I'll be honest with you, OP, you got denied on very shaky grounds. You're score is good enough and your utilization isn't really that high for a Freedom. And just 2 INQ's? To be honest, and this is an informal opinion... I'm betting it's that AMEX INQ that probably is stinging them.
I got approved for a Freedom with a lower score than you and with a higher utilization.
Call again. Who cares if they get upset, it's just a stranger on another part of the planet who will never hear from you again.
If anything, you can always just say: I figured I'd give it a shot, besides, you sounded friendly.
What's the worst they can say? NO.
Meh. I've gotten NO'S from more important people.
+1
@FrugalRican wrote:Casi was one of the people I told to call at least twice.
I'll be honest with you, OP, you got denied on very shaky grounds. You're score is good enough and your utilization isn't really that high for a Freedom. And just 2 INQ's? To be honest, and this is an informal opinion... I'm betting it's that AMEX INQ that probably is stinging them.
I got approved for a Freedom with a lower score than you and with a higher utilization.
Call again. Who cares if they get upset, it's just a stranger on another part of the planet who will never hear from you again.
If anything, you can always just say: I figured I'd give it a shot, besides, you sounded friendly.
What's the worst they can say? NO.
Meh. I've gotten NO'S from more important people.
You're right I'm going to try three times.
The worse they can do is say no, and I end up gardening for a year or two and apply to Citi or Discover.
