Reply
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Update.Chase Freedom recommended approval and 2 nd review denied

I was just gonna keep everyone here updated about the chase freedom app first was denied then was recomended approval then denied

Ok, what else i can do as far as this app goes.Do i give up or is any executive phone number i could call or just recon one more time?

 

   Thanks for any input on this


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

I think if you were denied after a recommend for approval from the analyst that you probably need to give it 6 months and app again, I don't think reconning again is going to help.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

Ur absolutly right.I dont wanna waste more energy with this.I do believe though that chase was right for the denial base on my new accounts from 4 months ago

They did recomend that the new accounts age from 6 to 12 months and they should have no problem with the approval.

 

CITI FORWARD $15K -PENFED $6,5K- PAYPAL MC $6K
LOWES $6K -COMMENITY $5.2K- PNC $5K- WMART DISC $4K
COMENITY $3.75K BANK OF AMERICA $3K -SAMS CLUB DC $2.5K MACYS $2.2K
JC PENNY $1.8KARGET $0.7K 1%- AAOA 5.5- TOTAL 12 yrs History/

Transunion 714 Equifax 730- Experian 736
 

Didn't you already answer your own question?  Wait the 6-12 mos- Chase recons are great and their analysts are really good. You have alot of nice new prime cards...let them age and you will probably get a much higher limit as opposed to settling for a CL (if they approve you) that you would not be happy with ange dealing with HP for CLI. 
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied


09Lexie wrote:
Re: Chase freedom denied after recon credit analyst recommend approval pending second review

Ur absolutly right.I dont wanna waste more energy with this.I do believe though that chase was right for the denial base on my new accounts from 4 months ago

They did recomend that the new accounts age from 6 to 12 months and they should have no problem with the approval.

 

CITI FORWARD $15K -PENFED $6,5K- PAYPAL MC $6K
LOWES $6K -COMMENITY $5.2K- PNC $5K- WMART DISC $4K
COMENITY $3.75K BANK OF AMERICA $3K -SAMS CLUB DC $2.5K MACYS $2.2K
JC PENNY $1.8KARGET $0.7K 1%- AAOA 5.5- TOTAL 12 yrs History/

Transunion 714 Equifax 730- Experian 736
 

Didn't you already answer your own question?  Wait the 6-12 mos- Chase recons are great and their analysts are really good. You have alot of nice new prime cards...let them age and you will probably get a much higher limit as opposed to settling for a CL (if they approve you) that you would not be happy with ange dealing with HP for CLI. 

I was just wondering if all i could do is done and move on thats all.I appreciate all the support from everyone here.Thanks guys


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Established Contributor
Posts: 567
Registered: ‎09-10-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

Sorry for you, but patience is your friend. I know it is hard, but I just would garden for some time. You have some nice lines already. Calling the EO wouldn´t help much I guess, after this final denial.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

I guess gardening is the way to go right now.Its ok though i got approved for the citi forward this month and i got the foot in to the citis door wich is a great step

But you know what iam really suprised from all the support in here and glad we help eachother.Thank you


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

yes now garden! for about a year and your going to be golden. 

Let those INQUIRIES age away from your score!

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

OMG! I didn't know it was truly possible to get denied after recommended approval. You can call back one last time and tell them you were denied after being recommended for approval to see if there is a chance for approval. If that goes bad, I would wait 6 months as the others said.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 567
Registered: ‎09-10-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied


MovingForward_2012 wrote:
OMG! I didn't know it was truly possible to get denied after recommended approval. You can call back one last time and tell them you were denied after being recommended for approval to see if there is a chance for approval. If that goes bad, I would wait 6 months as the others said.

You really think, one can be approved after two denials? One after a recon? And if so, one would get a decent limit to start with and not only $500? I sincerly doubt that ... Just my 2 cents.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Update.Chase Freedom recommended approval and 2 nd review denied

It has happened here before. There were a few lucky people that were denied twice and approved on the third round. Difference is they were denied after recon, not denied after recommended approval following recon. There is a small chance of approval so I thought I would mention it.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.