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Member
bmjohns31
Posts: 9
Registered: ‎08-16-2012

Chase, Discover and Recon

Applied for Discover yesterday they denied me but came back with the Discover More card at a 1000 Limit which I accepted. I also applied for the Chase Freedom have not called to talk to them yet. If denied how does chase respond to a recon.

 

My scores are in high 600's to 706 being the highest, the lower limit is because i only earn 25k a year.

Discover More 1000
Capital One Platinum MasterCard 500
NMAC Auto Loan 14k
TU 704 (11/27/12) EQ 682 (11/27/12) EX 652 (12/7/12)


Valued Contributor
daybreakgonesXe
Posts: 1,625
Registered: ‎11-17-2012

Re: Chase, Discover and Recon


bmjohns31 wrote:

Applied for Discover yesterday they denied me but came back with the Discover More card at a 1000 Limit which I accepted. I also applied for the Chase Freedom have not called to talk to them yet. If denied how does chase respond to a recon.

 

My scores are in high 600's to 706 being the highest, the lower limit is because i only earn 25k a year.


I've heard good things about Chase recons, so don't sweat it!! They may just ask some questions! Be sure to know your credit report like the back of your hand!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $7k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 737 TU FICO 746 Credit Karma (TU) 780 Transrisk 816/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 751
Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011

Re: Chase, Discover and Recon

Denial with Chase doesn't necessiarly mean denied - I was denied for my freedom (7-10 day message) called in and they just needed to verify ID and address and was approved on the spot after faxing the info. Give em a call. :smileyhappy:


Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

Re: Chase, Discover and Recon

I was denied two recons by chase because I didn't have an account that was a year old. 

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: Chase, Discover and Recon

pat- That was the same reason they used when I applied and then asked them to recon. The lady was very nice, and just told me to have 1-2 more accounts in good standing for another 6 months and then try again. But, I was still bummed out...:smileytongue:. She said they want to see more history with other issuers before they give out a card. Whatever, I'll try again in May/June and see if they approve me. Chase is easy to recon from what I have heard, and I've never had to recon Discover, they pretty much accepted me after I called in and verified everything with them. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
New Contributor
jpparker07
Posts: 64
Registered: ‎11-15-2012

Re: Chase, Discover and Recon

I successfully recon'd with both of those two last month. With the Chase Freedom just know whats on your report. I even had an unpaid collection from 2007 (just recently paid it) and I explained to her about it being medical and blah blah. She then came back and approved me!

Cards: AMEX BCE (2k), AMEX Zync (NPSL), Barclay Arrival Mastercard (1500), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne (750), CapOne Quicksilver (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-665

Goal- 720 Across the Board
Member
bmjohns31
Posts: 9
Registered: ‎08-16-2012

Re: Chase, Discover and Recon

I called chase and was told i was denied, i asked them to take a second look, i had a verizon account go into collections in 2010 and payed it off the begining of last year, also only have one other credit card showing right now. So there reasons were lack of Credit Card History and the Verizon Collections, i asked about another card that might fit my needs and the person i talked to said he delt mostly in lending and he could not help me. This is the number i called 888-270-2127 is it correct one since he said he delt with lending? And should i call again and try to explain the Verizon Collection (i had moved did not have service and they refused to close the account)?

Discover More 1000
Capital One Platinum MasterCard 500
NMAC Auto Loan 14k
TU 704 (11/27/12) EQ 682 (11/27/12) EX 652 (12/7/12)


Member
bmjohns31
Posts: 9
Registered: ‎08-16-2012

Re: Chase, Discover and Recon

also does anyone know which reports chase pulls?

Discover More 1000
Capital One Platinum MasterCard 500
NMAC Auto Loan 14k
TU 704 (11/27/12) EQ 682 (11/27/12) EX 652 (12/7/12)


Established Contributor
swpopham
Posts: 539
Registered: ‎06-02-2012

Re: Chase, Discover and Recon

All of them. Mainly tu for credit cards. I ask them to pull eq
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
New Contributor
jpparker07
Posts: 64
Registered: ‎11-15-2012

Re: Chase, Discover and Recon

Maybe that was the difference in my case. I had two unpaid collections one medical and one for Comcast. The medical one I explained was when I was 18 with no insurance and she didn't care about the Comcast one. (I think they see that a lot). BUT I did have two Capital One cards for almost two years each and I have an Amex Green and Zync since August. Maybe that history is what makes the difference especially if the representative mentioned it.

Cards: AMEX BCE (2k), AMEX Zync (NPSL), Barclay Arrival Mastercard (1500), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne (750), CapOne Quicksilver (750)

Current Scores- Experian- 690, Equifax- 676, Transunion-665

Goal- 720 Across the Board

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