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try again with chase. did you call the recon number? did the give it to the exec credit team?
I called the recon number found in myfico. Even the voice said it "Chase lending dept". Is that ok to call them again and again?
you could try to put things in positive light as to why you opened so many accounts recently.
for example, if you owe little to no balances, you can explain you're doing it for the rewards since different cards have different rewards structure and bonuses for different purchases etc. this reason might not apply to you but try to think of something that makes you look good.
always worth a few tries I suppose.
HEllo. It just goes to show that preapprovals mean nothing. Congrats on all your recent new cards. You just need to be responsible with the cards you have and pay the balances in full ontime and you will have great credit for a long time to come. The cards you already have are good. Just have a little patience and let them age and you will be in great shape. The hardest part can be to not charge up big balances and to pay in full for anything you charge as soon as possible. Getting the cards is a first step. The hardest part for me however was not giving into the temptation to shart charging stuff on them that I wouldn't otherwise buy and ending up in debt.. Good luck.
Good news!!!!!!!!!!!!! I called Chase Recon yesterday for the third time and declined. The analyst was not allowing me to speak.. I tried today, ans the day was patient, asked me personal information and after 7 mins(exactly) said the good news.. Approved for Chase Freedom $1200!!!!! Thanks for your advice guys...... My next goal is CSP since I will travel abroad this year end and need a travel card..
My curent cards..
BOA 123 Secured card $500 - Dec 2012 [Planning to close because I approved for the Unsecured version for $2000]
Discover IT - Jan 2013 - $750
DCU Platinum Visa - No rewards - $3000 - Jan 2013
Capital One for New comers - $500 - Feb 2013
BOA 123 Unsecured - $2000.- Applied on Apr 3. Declined. Caled Recon on Apr 24 per your advice. Pulled TU and approved..
Chase Freedom - $1200 - Applied on Apr 10. Declined. Called recon manytimes per advice.. Approved today 04/26/2013 after 4 recon calls.
I am planning to close BOA 123 - Secured version. Is that a problem?
I planning to apply for CSP. How long I should wait to apply for it..
You guys are awesome. With your advice I am able to convert 2 declines into approvals in the space of 3 days..
@fearlessdragon wrote:Good news!!!!!!!!!!!!! I called Chase Recon yesterday for the third time and declined. The analyst was not allowing me to speak.. I tried today, ans the day was patient, asked me personal information and after 7 mins(exactly) said the good news.. Approved for Chase Freedom $1200!!!!! Thanks for your advice guys...... My next goal is CSP since I will travel abroad this year end and need a travel card..
My curent cards..
BOA 123 Secured card $500 - Dec 2012 [Planning to close because I approved for the Unsecured version for $2000]
Discover IT - Jan 2013 - $750
DCU Platinum Visa - No rewards - $3000 - Jan 2013
Capital One for New comers - $500 - Feb 2013
BOA 123 Unsecured - $2000.- Applied on Apr 3. Declined. Caled Recon on Apr 24 per your advice. Pulled TU and approved..
Chase Freedom - $1200 - Applied on Apr 10. Declined. Called recon manytimes per advice.. Approved today 04/26/2013 after 4 recon calls.
I am planning to close BOA 123 - Secured version. Is that a problem?
I planning to apply for CSP. How long I should wait to apply for it..
You guys are awesome. With your advice I am able to convert 2 declines into approvals in the space of 3 days..
Awesome news on your Chase!! I think you have one less recon attempt than another poster on here. I did it twice as well before I got my approval. It's all about who you get on the other end of the phone that is the determining factor. So success to you again!
@fearlessdragon wrote:Good news!!!!!!!!!!!!! I called Chase Recon yesterday for the third time and declined. The analyst was not allowing me to speak.. I tried today, ans the day was patient, asked me personal information and after 7 mins(exactly) said the good news.. Approved for Chase Freedom $1200!!!!! Thanks for your advice guys...... My next goal is CSP since I will travel abroad this year end and need a travel card..
My curent cards..
BOA 123 Secured card $500 - Dec 2012 [Planning to close because I approved for the Unsecured version for $2000]
Discover IT - Jan 2013 - $750
DCU Platinum Visa - No rewards - $3000 - Jan 2013
Capital One for New comers - $500 - Feb 2013
BOA 123 Unsecured - $2000.- Applied on Apr 3. Declined. Caled Recon on Apr 24 per your advice. Pulled TU and approved..
Chase Freedom - $1200 - Applied on Apr 10. Declined. Called recon manytimes per advice.. Approved today 04/26/2013 after 4 recon calls.
I am planning to close BOA 123 - Secured version. Is that a problem?
I planning to apply for CSP. How long I should wait to apply for it..
You guys are awesome. With your advice I am able to convert 2 declines into approvals in the space of 3 days..
Congrats on the persistance and approval! I would keep the secured BOA open for atleast a year, then close it out.
Any reason why I should open the BOA secured for a year?
Actually today is 5th time. I called them twice yesterday.. Today was lucky.. Maybe Weekend effect!!!