04-10-2013 08:41 AM
I was rejected for a Chase Freedom due to lack of credit history according to Chase. She also hinted at the fact that I just got a Chase Saphire Preffered. Currently I have...
Chase Saphire Preffered 5k, $69/5000 01/2013
Capital One VentureOne 3K, $0/3000 09/2012
Macy's AMEX $300, $0/300, 05/2008
Neiman Marcus Card 2K, $0/2000, 11/2007
Macy's Store Card 2K, $0/2000, 09/2005
Is my credit history insufficient, or should I try again with recon? She said if I did get one, the limit would be low.
Tbh, I really wanted one for the 5% categories and the ability to get UR points with it to combine with the CSP.
04-10-2013 08:45 AM
Also for what it is worth, I have no bad marks on any of my credit reports and my FAKO scores are Credit Karma 745, Credit Sesame 775
04-10-2013 09:30 AM
You may be able to get a 500 cl , but I would have to agree. you oldest cards look to be store cards. Also you just got saphire with chase in jan ,and your other credit card is not even a year old yet.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
04-10-2013 09:34 AM
Can't hurt to recon!
04-10-2013 10:14 AM
04-10-2013 10:21 AM - edited 04-10-2013 10:22 AM
Recon ASAP. Getting approved for a CS/CSP recently isn't a guarenteed denial for the Freedom.
| Total CL: $177,300|
Highest CL: $10,000
Average CL: $6,300
Total PLOC: $26,000
| AAoA: 3 yrs & 11 mos|
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
04-10-2013 10:27 AM
I got my freedom not to long after my Chase Sapphire was upgraded to CSP
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