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New Member
helovesyou
Posts: 7
Registered: ‎08-16-2012

Re: Applied For Chase Freedom

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

Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012

Re: Applied For Chase Freedom

Yes. Tomorrow morning first thing. Don't waste a HP for a utilization denial reason.
Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
New Member
helovesyou
Posts: 7
Registered: ‎08-16-2012

Re: Applied For Chase Freedom

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

Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012

Re: Applied For Chase Freedom

Taking advantage of a 0% interest promo?
Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Applied For Chase Freedom

Exactly! :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
srn
Posts: 21
Registered: ‎06-01-2011

Re: Applied For Chase Freedom

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.

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Applied For Chase Freedom

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! :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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