Credit Cards

[helovesyou]

This would be my second recon. I'm wondering if I should call back?

[Jlu]

Yes. Tomorrow morning first thing. Don't waste a HP for a utilization denial reason.

[helovesyou]

I don't know what reason I could give them for high util. Any one out there have ideas?

[Jlu]

Taking advantage of a 0% interest promo?

[youngandcreditwrthy]

Exactly! :-)

[srn]

I have applied to chase freedom (FICO 668) online and got a "decision pending" message. I called the number mentioned in this thread. They told me that it is denied because one of my badies (CO, which i paid in full) is only a year ago. The Rep on the phone told me that if the badies are 3 to 4 years old then they might have approved.

After that i applied Amex Zync, and i was approved. I had an Amex blue 7 years ago which was closed due to late paments and i have PIF when the account was closed. The reason i took risk of applying Zync was that i may be backdated. I read on this forum that Amex may back date the card.

[youngandcreditwrthy]

I had two baddies when I got approved for Chase on Recon; however, one baddie was removed and one was disputed shortly after my approval with Chase, and they were from '09 - the two accounts in question were actually not mine; both were fraud.

IMO,  I'd work on trying to get the CO removed via dispute, or at least get that "acct info disputed by consumer" on your CR so that any potential creditors can see that you dispute it.

All it takes is talking to the right person to get APPROVED! :-)