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Chase Freedom - App Rejected

Established Member

Chase Freedom - App Rejected

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.

 

MY WALLET: Chase Sapphire Preferred $12,500, Chase Freedom $12,500, Chase Ink Bold NPSL, Amex Blue Cash Everyday $25,000, Bank Americard Cash Rewards $17,500, Discover It $9,000
19 REPLIES
Established Member

Re: Chase Freedom - App Rejected

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

MY WALLET: Chase Sapphire Preferred $12,500, Chase Freedom $12,500, Chase Ink Bold NPSL, Amex Blue Cash Everyday $25,000, Bank Americard Cash Rewards $17,500, Discover It $9,000
Valued Contributor

Re: Chase Freedom - App Rejected

Probably because your cards are still pretty new....couldnt hurt to recon...you already took the hit for the pull so you might as well. 

*8/10/13
Established Contributor

Re: Chase Freedom - App Rejected

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!!!


Contributor

Re: Chase Freedom - App Rejected

Definitely call the backdoor recon number!

fico 747
Highlighted
Regular Contributor

Re: Chase Freedom - App Rejected

Can't hurt to recon!

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
Moderator Emerita

Re: Chase Freedom - App Rejected

Chase loves that 'lack of revolving history' line. Assuming these are your individual accounts- call back.
Good luck!
Frequent Contributor

Re: Chase Freedom - App Rejected

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
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Regular Contributor

Re: Chase Freedom - App Rejected

I got my freedom not to long after my Chase Sapphire was upgraded to CSP


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Senior Contributor

Re: Chase Freedom - App Rejected

Macys AMEX with a $300 CL?? Is that possible? curious

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017