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Chase Freedom Got Declined after Prequalified

Valued Contributor

Re: Chase Freedom Got Declined after Prequalified

try again with chase. did you call the recon number? did the give it to the exec credit team? 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 11 of 42
Valued Member

Re: Chase Freedom Got Declined after Prequalified

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?

Discover - 12/30/2013 - $750
BOA 99/500 Secured 123 - 12/31/2013 - $500
DCU - 01/05/2013 - $3000
Cap One Newcomer Card - 02/24/2013 - $500
BOA 123 Cash Rewards - 04/24/2013 - $2000
Chase Freedom - 04/28/2013 - $1200
Citi Thank you - 05/29/2013 - $6000

CK score : 713
Quizzle: 701
Credit Sesame: waiting to update
DCU free EQ score : 688
Message 12 of 42
Valued Contributor

Re: Chase Freedom Got Declined after Prequalified

One person here got approved on the third call. It doesn't hurt to try. All they can say is no.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 13 of 42
Super Contributor

Re: Chase Freedom Got Declined after Prequalified

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.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 14 of 42
Valued Contributor

Re: Chase Freedom Got Declined after Prequalified

      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.

Message 15 of 42
Valued Member

Finally Chase Freedom approved for $1200

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..

Discover - 12/30/2013 - $750
BOA 99/500 Secured 123 - 12/31/2013 - $500
DCU - 01/05/2013 - $3000
Cap One Newcomer Card - 02/24/2013 - $500
BOA 123 Cash Rewards - 04/24/2013 - $2000
Chase Freedom - 04/28/2013 - $1200
Citi Thank you - 05/29/2013 - $6000

CK score : 713
Quizzle: 701
Credit Sesame: waiting to update
DCU free EQ score : 688
Message 16 of 42
Valued Contributor

Re: Finally Chase Freedom approved for $1200


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!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 17 of 42
Established Contributor

Re: Finally Chase Freedom approved for $1200


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.

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 18 of 42
Valued Member

Re: Finally Chase Freedom approved for $1200

Any reason why I should open the BOA secured for a year?

Discover - 12/30/2013 - $750
BOA 99/500 Secured 123 - 12/31/2013 - $500
DCU - 01/05/2013 - $3000
Cap One Newcomer Card - 02/24/2013 - $500
BOA 123 Cash Rewards - 04/24/2013 - $2000
Chase Freedom - 04/28/2013 - $1200
Citi Thank you - 05/29/2013 - $6000

CK score : 713
Quizzle: 701
Credit Sesame: waiting to update
DCU free EQ score : 688
Message 19 of 42
Valued Member

Re: Finally Chase Freedom approved for $1200

Actually today is 5th time. I called them twice yesterday.. Today was lucky.. Maybe Weekend effect!!!

Discover - 12/30/2013 - $750
BOA 99/500 Secured 123 - 12/31/2013 - $500
DCU - 01/05/2013 - $3000
Cap One Newcomer Card - 02/24/2013 - $500
BOA 123 Cash Rewards - 04/24/2013 - $2000
Chase Freedom - 04/28/2013 - $1200
Citi Thank you - 05/29/2013 - $6000

CK score : 713
Quizzle: 701
Credit Sesame: waiting to update
DCU free EQ score : 688
Message 20 of 42