Reply
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Chase Freedom Denied Amex Approved

[ Edited ]

Yes, I am very happy with the Amex Costco True Earnings as they gave me a CL of $10,000 on that card.

Far more than any other card I have.

Amex only gave me $1,000 on the BCE 

 

But hey it is a long way from my original Cap 1 secured card.

I would like a Chase Freedom Visa though as not everyone takes American Express.

 

 

 

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)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Chase Freedom Denied Amex Approved


Mustangfrank wrote:

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.

 

 


I would, ASAP. Good luck!!!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Chase Freedom Denied Amex Approved

 

The woman who I spoke to on my first Recon call was very nice and very helpful.

The interview was going well and I thought she was going to approve me for a Freedom card but  after she went through my file

she said eight months (8) just was not enough credit history.

 

I figure i will wait a day and try another Recon Call and hope for a different Chase CSR with better results.

 

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)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Chase Freedom Denied Amex Approved


Mustangfrank wrote:

 

The woman who I spoke to on my first Recon call was very nice and very helpful.

The interview was going well and I thought she was going to approve me for a Freedom card but  after she went through my file

she said eight months (8) just was not enough credit history.

 

I figure i will wait a day and try another Recon Call and hope for a different Chase CSR with better results.

 


Why wait, try it now. They might be able to get you in with $500 CL.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Chase Freedom Denied Amex Approved

I do have a Chase Freedom with a $5k limit...nananananaaa!Haha! Yeah, call the recon line...
Dang! I've never had a mortgage, nor do I particilarly want one... As the word goes.. My generation is gonna have a helluva time trying to pay our student loans back; I personally have $30k ... Not too bad I suppose :-)
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
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Chase Freedom Denied Amex Approved

Mustangfrank: question though, by owning a home, do you mean that you have 15 or 30 years of installment credit history? That's what I interpreted. If so, I'd recon again... Chase seems to deny ppl with limited revolving history but extensive installment loan history... Very weird.
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
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Chase Freedom Denied Amex Approved

I think you are doing great.

I wish I had a clue about intellegent use of credit when I was in college as life would have been much easier.

 

I had lots of credit in the 80's and then after mismanaging my credit  I paid off all my cards and lived my life only paying in full

for eveverything.

 

Now I am starting over.

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)
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Chase Freedom Denied Amex Approved

Mustangfrank: question though, by owning a home, do you mean that you have 15 or 30 years of installment credit history? That's what I interpreted. If so, I'd recon again... Chase seems to deny ppl with limited revolving history but extensive installment loan history... Very weird.

 

I was fortunate enough to inherit my Parents modest house and never had a mortgage.

 

The only reason I applied for the Chase Freedom Card  when I did was the fact that I was opening a Checking account in the Bank Branch

and the Chase Banking Rep asked if I wanted to apply. He thought that I would have no problem being Approved.

I really should have waited till the Amex cards had some history behind them.

 

I am going to call the Recon number a couple of more times and see if I can get a card with a small credit limit.

 

 

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)
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Chase Freedom Denied Amex Approved

Your aaoa should be much higher then 8 months in that case. I think mine is around three years, and all the credit sites still say it's too short . Lol must feel good to have an Amex that will say 'member since 1983' assuming it gets backdated. I do have credit card debt, but most of it is at 0%, and I ALWAYS pay them, even if my life gets hectic with school and partying. I just saw how bad my mom's credit got even when she had plenty of money to pay her bills, she just didn't care. Bad credit can haunt you for a lifetime! Phewww no thanks! Lol. 
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
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Chase Freedom Denied Amex Approved

Oh nvm about the aaoa! BUT on the recon call, mention that you own your home! That makes you a better credit risk in any event. Btw, took me two recon calls to get approved. Initially they denied me due to high utilization on ONE card even though my overall util was like 15% (now it's down to 13%). Hope you get it! Too bad you didn't do it sooner! 5% cashback on gas/restaurants ends 9-30-12!
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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.