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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Chase Freedom App - Denied - Recon Later

[ Edited ]

kwazziee wrote:

I say wait and apply again at a later time when your utl is below 10%. This way you will not be getting a toy limit.


Not necessarily. I apped for the Freedom when my UTL was at 24% and was instantly approved at $3k

 

OP, you have to wait until your new balances begin to show up on your credit report before reapplying. If you call about that app you previously submitted, they will have to pull your credit again and if they see the same info as before, they will not approve you and you'll have wasted an additional HP. I'd wait for your UTL to be 30% or lower before reapplying again.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Chase Freedom App - Denied - Recon Later

YMMV, for optimal results I would get your uti in the teens.  If your not scared to waste an HP and your sure your uti has updated with the berue's go for it.  I would rather  not give them any reason to deny, GL.

 

BOA: 8.9k
CSP: 5k
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Member
Posts: 7
Registered: ‎10-05-2012
0

Re: Chase Freedom App - Denied - Recon Later

I was going to recon or reapply on the 22nd, when everything reports on my CR, I'm wondering if I should actually recon, or just submit another app. I'm thinking the recon would give me a better chance as a reapp would probably require me to recon anyway.

Regular Contributor
Posts: 179
Registered: ‎07-12-2011
0

Re: Chase Freedom App - Denied - Recon Later

Unless you get a significant boost from paying down your Utilization i would not waste another hardpull on a recon.

 

 

Member
Posts: 7
Registered: ‎10-05-2012
0

Re: Chase Freedom App - Denied - Recon Later

Well, I got my util down to 27% and reapplied when equifax reported... 

 

They pulling experian and I got a two week wait...

 

Well called in, got asked a couple of verification questions and "Welcome to the Chase Family, you're approved for $3,000"

 

They almost doubled my previous max limit.

 

Also got approved for a $700 Sams store car... 

 

Onward to gardening... 

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Chase Freedom App - Denied - Recon Later


JL421 wrote:

Well, I got my util down to 27% and reapplied when equifax reported... 

 

They pulling experian and I got a two week wait...

 

Well called in, got asked a couple of verification questions and "Welcome to the Chase Family, you're approved for $3,000"

 

They almost doubled my previous max limit.

 

Also got approved for a $700 Sams store car... 

 

Onward to gardening... 


Congrats on your approval! Smiley Happy

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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