Today I applied for the Chase Freedom card. I have an equifax score of 750 and expected that the chances were pretty good for getting approved. After submitting the application online, I got a message saying that they could not approve the application. Called the recon line and spoke to someone who told me they declined it because I had too many new credit cards (referred to in online forums as the 5/24 rule). Two of the 5 recent cards (within last 2 years) for me were cards that I am an authorized user on, one of which I did not want to be on (a parent added me to it without consulting me first). I explained this to the people I spoke to. The first two people I spoke to were not very friendly in my opinion and they told me that even though two cards were authorized user cards they could not reconsider my application. They did not seem to care at all about trying to help me at least get it reconsidered. I finally called the recon line (888-270-2127) back a 3rd time and explained to the person that I did not feel that the people I spoke with fairly looked at my application and asked to speak to a supervisor. She was friendly and transferred me to an application supervisor in the lending department. The supervisor was very friendly and said she was happy to do a reconsideration. After verifying some income and employment information and waiting on hold for 5 minuets, she told me that she completed her review and the application would need to be reviewed further by another department. She said it was neither approved or declined and I would be notified of the decision in 1-2 weeks. The wait now begins! If you dont feel that someone you spoke to on the recon line fairly examined your application, dont hesitate to ask for a supervisor! Always be polite of course, but there clearly is some discretion that these people have. I was discouraged after speaking to the first two people, but finally had some success with a supervisor! I will post an update when I receive the recon decision!
Mod note: I've updated your subject to reflect your approval; feel free to change/edit if you would like. --UB
