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Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

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

Never ever, ever , ever take NO for an answer!!!  If not yes next rep please!!! CONGRATS!! Be good to her!:smileyhappy:


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
0

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

Haha..this was a fun thread to read. Such an encouraging community. Congratulations OP!!!

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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


annielorie wrote:

Never ever, ever , ever take NO for an answer!!!  If not yes next rep please!!! CONGRATS!! Be good to her!:smileyhappy:


+1




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
bturner9697
Posts: 20
Registered: ‎02-13-2012
0

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

Congrats on the card!!  That's great!

TU98 FICO: 659 as of 03/01/2012,TU08 Walmart: 677 as of 03/29/2012, EQ FICO: 637 as of 03/24/2012, EX FICO: ???
GOAL: 700 Club
New Member
Jphxaz
Posts: 5
Registered: ‎12-16-2012
0

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

My situation was almost alike. 3 calls. 2 calls the night before, 1 the next morning. Called to confirm that the documents have been shredded (last app does not exist?)the night before, call again the next morning, (no such app exist). So I chose another card to apply, submit it, approved, called in to confirm the amount, take it, and that's my last app for the garden mode.

 

TU (Wal08) 679 (before the drop in balance)

EXP/EQ about the same???

First time apping on EXP/EQ since GEMB is all TU, Disc TU....TU, TU, TU.....

New Member
rizbangaliny
Posts: 28
Registered: ‎02-07-2013
0

Chase Freedom -- denied, APPROVED AFTER RECON!

oy hoy.............i did apply for chase freedom 3 weeks ago.last week i got a deniel letter from chase the reason was NOT ENOUGH LONG CREDIT HISTORY.

 

so far i have capital one secured $200 and discover more $750 limit.

 

so after reading this forum a lot it did inspire me and i called chase back door number which is 1 880 245 0625.a lady rep answer i explain that i have i do have to other card and i useto have good credit history in uk.than she put me on hold after 2 min.SHE DENIED ME TOO.

 

i call again after 2 days another lady picked up was nice in the phone but denied again.lol  NO LUCK WITH LADYS

 

i decided to take one more last chance call again to day and a man picked up....at last.

 

i told even if it is a small limit i want to start with chase.than he took some of my information......which is very basic.put me on hold for 3.11 sec. and came back with APPROVE OF $500..

 

i have only 4 months credit history.so i now i think history dose not matter.

 

so all of you guys DO NOT GIVE UP.!!!!!!

 

 

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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

Congrats!! I had to beg and plead for mine too a few months ago. I would have never done that before coming to these boards! Heck, I called 4 different times this week to get a cli on my Amazon card.....it took 3 no's to get a yes but it was worth it.
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
New Member
rizbangaliny
Posts: 28
Registered: ‎02-07-2013
0

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

hi great to know that..........so right know how many card do you have????? and you start gardening now thats cool

 

can you tell me one thing what card i should apply now............i mean likely easy to get with good credit limit??????

 

Advance thanks:smileyhappy:

New Member
rizbangaliny
Posts: 28
Registered: ‎02-07-2013
0

Re: Chase Freedom -- denied, worth a recon?

hi how are you........i need so advice i moved from uk last year so as you know as an new fresher i am still new in usa credit history. so far i manage to get capital one secured $200 discover more $750 and last week chase freedom $500 i dnt know my credit score yet.

 

so my question is what i sould apply now.........what card you think will give me good credit limit.

 

or if i apply for amex.........when and which card i should apply???

 

is it amex zync?????

 

and thanks in advance:smileytongue:

Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012
0

Re: Chase Freedom -- denied, worth a recon?

Unfortunately the Amex Zync has been discontinued.  That being the case, I think it might be best for you to stand pat and wait for these two new cards to age before you go app crazy.  With basically no US credit history, it will be difficult for you to get many other cards.  In fact, I'm surprised you were approved by both Chase and Discover and would consider that a win.

 

So probably your best bet is to let these cards age about a little longer, and then either hope for a CLI or apply for a new card then.  I would say with the loss of the Amex Zync, you are probably unlikely to be approved for an Amex at this point.

 

Lastly, you may want to see about a product change from Discover More to Discover It.  I am pretty sure it is better in every way, but somebody can corect me if I'm wrong.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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