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soooo I've been rebuilding my credit - no late payments for over 2 years, 6 low limit credit cards, 3 paid off with 0 balances, utliziation at 40%. it's a wonder I was able to get approved. I applied and got the dreaded 'pending decision' message so I called the backdoor number, hung up if I got the vibe I got from the person answering that they were not in a good mood. Eventually, I got a nice woman who was able to approved me for $1000. I waited 1 hour, and did the same method, got a guy this time, who seemed innocent enough, and got him to increase it to $1500. Granted, they were 2 HPs BUT the Chase Freedom is worth it to have a brand name card on mine, not a subprime like merrick, etc...
can't believe I got this! I must say I KNOW I am good on the phone with people and 'sweet talking' them, but it was this forum that gave me courage to call them multiple times to get approved. this is my FIRST good CC. Thanks everyone!
Congrats!!! I had the same experience a few days ago. It feels good. This forum has been very helpful to me as well
@alanquiroz83 wrote:can't believe I got this! I must say I KNOW I am good on the phone with people and 'sweet talking' them, but it was this forum that gave me courage to call them multiple times to get approved. this is my FIRST good CC. Thanks everyone!
Congrats!!! I'm sure this had everything to do with it. It's a very good card. I've already racked up $30 in rewards so far on a total of about $700 in groceries.
Congrats. What is the back door # to call and what did you say to get them to approve and increase the line?