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Chase Analyst Recommended Myfico

Regular Contributor

Chase Analyst Recommended Myfico

 I was also recently approved for chase for 500 after a recon, lol.  I had to recon for 500, My other credit lines range from 3k-20k and chase gave me 500.

 

They said i had too many new accounts so the only way they could approve me is with the min limit, The analyst then went on to explain to me how apping for too many new cards can hurt your credit.  The analyst also was concerned that i wasnt using the cards as most of my balances were 0, and i had to explain that i pay in full every month. ( i thought they can see recent activity)

 

Anyway the analyst was very nice and ended up telling me to come to myfico to learn how to improve my credit and not app for more cards than i need, hahaha.  I almost didnt accept the card because of the cl, but i figured i would get it now with my other new accounts and let them age together (hoping for a cli in 6 months)

 

 


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 1 of 14
13 REPLIES
Established Contributor

Re: Chase Analyst Recommended Myfico


Chaos122 wrote:

 I was also recently approved for chase for 500 after a recon, lol.  I had to recon for 500, My other credit lines range from 3k-20k and chase gave me 500.

 

They said i had too many new accounts so the only way they could approve me is with the min limit, The analyst then went on to explain to me how apping for too many new cards can hurt your credit.  The analyst also was concerned that i wasnt using the cards as most of my balances were 0, and i had to explain that i pay in full every month. ( i thought they can see recent activity)

 

Anyway the analyst was very nice and ended up telling me to come to myfico to learn how to improve my credit and not app for more cards than i need, hahaha.  I almost didnt accept the card because of the cl, but i figured i would get it now with my other new accounts and let them age together (hoping for a cli in 6 months)

 

 


I was denied a few months ago and i reconed and they denied me again and told me to checkout myfico. Oh well, things are going great for me now, i don't think i'll apply for chase again anytime soon or for any new credit in general for matter of fact.  I'm gonna try to stay in the garden for the next 2 years if at all possible.

 

Capital One QuickSilver MC $4.5K | Walmart $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom Sig $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $6.4K | Citi Double Cash WEMC $6.2k | DCU Visa Platinum $1K (CLOSED0 | PSECU Visa w/PSL $8k | Chase Ink Cash BIZ Sig CC $3k | FNBO Biz Visa $9.5K | AMEX SimplyCash Plus BIZ CC $10k | Fidelity Rewards Visa Sig $4.7k | AARP Visa $500 |
Message 2 of 14
Established Contributor

Re: Chase Analyst Recommended Myfico

same here.when i apply for BOA secured credit card.the nice lady told me check out at myfico. Smiley Very Happy 

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 3 of 14
Valued Contributor

Re: Chase Analyst Recommended Myfico

I think it is great that they are sending people here. This site has been a great help to many of us, and maybe someone who really needs us will show up and we will be there for them. Better to send people here where the answers are, than to let them struggle or be in the dark. Collectively, we are pretty wise and helpful, and we never judge.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 4 of 14
Established Contributor

Re: Chase Analyst Recommended Myfico

I came here then i learned i have to send DV and dispute with credit report.and PIF and PFD lol. iam working on it,iam working on it. thanks myfico !!!! +1000000000000 for all peoples !

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 5 of 14
Established Contributor

Re: Chase Analyst Recommended Myfico

Congrats on your approval btw

Message 6 of 14
Valued Contributor

Re: Chase Analyst Recommended Myfico

Lol, I wonder how many GW letters Chase gets bombarded with as a direct result of sending people here.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 7 of 14
Senior Contributor

Re: Chase Analyst Recommended Myfico

LOL I bet all Chase Analysts know about MyFico. Tbh, it's prob better for them to be "in" with us myfico'ers than on our badside and getting dissed all the time like Crapital One. I don't read much bad stuff on here about Chase. Their rep is to be swell with recons 80-90% of the time.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 14
Senior Contributor

Re: Chase Analyst Recommended Myfico

funny part is the bank is (apparently soemtimes) referring card holders back to the very place they learned most of what they know about credit Smiley Very Happy Good luck on getting a CLI but wouldn't count on it any time soon based on the reasons they gave for the low limit. Chase is good with reallocating limits and approving for multiple products, not so much with CLI requests.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 9 of 14
Moderator Emeritus

Re: Chase Analyst Recommended Myfico

Must me we're doing something right!  Congrats on your recon,  and yes, just let it grow with age.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 14