Chase Freedom recon success, thin file

Anonymous · ‎03-07-2016

Just figured I'd share my recon success with Chase today. I applied for the Freedom on March 3rd, and apparently they sent the denial letter on the same day (at least, that's the date on the letter). My score on the letter was a 700 "Card Acquisition Risk Score" - they pulled from TU and my TU FICO is 706. Two total revolving accounts, oldest is 6 months with a $500 secured limit, newest is 4 months with a $400 unsecured limit (AAoA is 5 months).

Called the backdoor number for the credit analyst (888-245-0625), was asked a few more questions (how long have you been at your current job, how long have you lived at your current address, etc), and was approved for $500! It's not much, but I'm happy to get my foot in the door with Chase, especially with such a short credit history.

Anonymous · ‎03-07-2016

Congrats!

Anonymous · ‎03-07-2016

Congrats on your recon success !!

Anonymous · ‎03-07-2016

Congrats on your approval.

Anonymous · ‎03-07-2016

Congrats on the recon and approval!

lg8302ch · ‎03-07-2016

Welcome to MyFico forum

Congrats on Chase success...now add that card to your siggy ..

Anonymous · ‎03-07-2016

I posted earlier, but I figure I'll post again since I just got another approval.

Applied with FICO: EQ 699, TU 706, EX 716; 6 months total history, 4 months newest account, 5 months AAoA, $900 total credit limit

Chase Freedom

Got 7-14 day message and was initially denied. Called the credit analyst backdoor number and was approved for $500.

Discover It

Applied for this card on a whim; instant approval for $1,500.

I'm impressed - not only is that currently my largest credit limit on a single card (and more than doubles my current overall limit), but I'm also pleasantly surprised that I was able to get approved for 2 cards in one day.

Needless to say, my current secured card is getting sockdrawered, with a few small purchases a month.