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Chase Freedom Denied Amex Approved

Regular Contributor

Chase Freedom Denied Amex Approved

I opened a Chase checking account in a local Branch and they asked if I would like to open a Freedom Card checking account and I said yes.

The Bank representative filled out the application on his computer and when I got home I checked on the application and it gave the 7-10 day notification.

A few days later I called the Chase Recon Number and the CSR was very nice and told me i was denied for the Freedom Card because I only had 

eight months of credit History.

She took all my information put me on hold and about four minutes later said that Chase could not issue me a Card at this time do to the thin history file.

Amex however just approved me for $10,000 CL for a Costco True Earnings card.

Go figure.

 

 

I have a Capital one secured card with $2,000 CL

Amex Costco True Earnings $10,000 CL

I pay my CapitalOne card in full every month and usage is 10%

 

Fico Scores all over 725

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 1 of 30
29 REPLIES
Senior Contributor

Re: Chase Freedom Denied Amex Approved

That is crazy!!! Ive beeb seeing so many people get Amexs on here lately!!!! Wow!! Im still scared of them though. You know who they pulled?
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 2 of 30
Regular Contributor

Re: Chase Freedom Denied Amex Approved

They pulled EXperian.

 

I do own my house with no Mortgage.

 I pay in full monthly on my CapitalOne Platinum Card and never have had a balance.

I have had the card for eight Months.

I do not go over 10%

 

I called their CSR and Amex even backdated my card to 1983 !!

I love Amex customer service.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 3 of 30
Valued Contributor

Re: Chase Freedom Denied Amex Approved

Chase seems pretty tough sometime.

Congrats on your AMEX! Nice CL! 



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 4 of 30
Regular Contributor

Re: Chase Freedom Denied Amex Approved

I am wondering if i should call the recon number again (888-245-0625) and see if I get different results.

My denial letter is on its way.

I could wait for it to arrive and then try to plead my case.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 5 of 30
Valued Contributor

Re: Chase Freedom Denied Amex Approved

well if amex backdated you to 83 you should have no problems getting a freedom signature once it reports. 

granted that you have nothing else thats bad on your reports. 

 

congrats on the amex though. 

 

in 25 years when im 46 ill be glad i opened an amex in  2012 that was in good standing. =-) 

 

 

edit: do you have any other inquries. 

 

after that reports and bumps your aaoa to xxx you should go for the chase trifecta if everything else is good on your reports. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 6 of 30
Valued Contributor

Re: Chase Freedom Denied Amex Approved

I would think you would have no problem getting the Freedom when the AMEX reports. Obviously you had a prior relationship with AMEX, and that is how you got backdated. That also played a role in the approval. When you call Chase back, they may have to pull another report to verify that you have the other credit line reporting (since 1983). If they do this on a manual review, they will see the account was opened in 1983, but it is not going to show a payment history since 1983.

 

On Chase's denial letters, it has some language on the bottom about needing to pull another report to reconsider an application (not sure of the exact language, but it is there).


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 7 of 30
Established Contributor

Re: Chase Freedom Denied Amex Approved

Congrats.. I apped for the Chase Freedom on Thursday.. got the 7- 10 notice also. Called the status line to check and it is still under review... I feel its going to be a denial.. but I did get a BofA Cashrewards card for #3.5k

Total Overall Credit Limit- $325k
Message 8 of 30
Regular Contributor

Re: Chase Freedom Denied Amex Approved

I was wondering if Chase does an additional Hard Pull for each Recon call

when following up a denial. 

 

 

 

 

 

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 9 of 30
Frequent Contributor

Re: Chase Freedom Denied Amex Approved

I'd gladly surrender all my Chase cards for a AMEX/Costco True Earnings!! Smiley Happy

Message 10 of 30