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Chase Freedom Got Declined after Prequalified

Frequent 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!
you truly are a fearless dragon Smiley Happy

 

imo, you shouldn't have any problem if you choose to close the BofA secured card


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 21 of 42
Established Contributor

Re: Chase Freedom Got Declined after Prequalified

Wow... That's persistence. Stories like this make me that much more thankful that I got an instant online approval for my Chase Freedom (and that's because they pulled EX, which was the most favorable of my reports at the time).

 

Congrats man.

      
Message 22 of 42
Valued Member

Re: Chase Freedom Got Declined after Prequalified

Thanks guys!!!! Without your help this is not possible.. I was so worried that I have to wait for around a year to apply again, because thats what the first 4 people said... Can anyone tell me how long I should wait for applying CSP, because I will be traveling to Asia this December and I need a good travel card.

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 23 of 42
Moderator Emerita

Re: Finally Chase Freedom approved for $1200

Well done! Recon recon recon! Your next goal of a CSP will need a little help ( they like $5k CLs) but who says it can't be done? The BOA secured, when does it unsecure?
Message 24 of 42
Valued Contributor

Re: Chase Freedom Got Declined after Prequalified

I wouldn't jump the gun on apping for the CSP card considering how many times you had to recon with the freedom. Lenders like to see a lot of good payment history before they consider extending a second line of credit to you and your second credit line will be significantly lower. You may want to consider doing a PC with your Freedom card but IMO, the freedom card is the best card in their line up.

As of 2017, rebuilding...
Message 25 of 42
Valued Member

Re: Finally Chase Freedom approved for $1200

Secured BOA is my first CC. Got in Dec end 2012. I applied for Unsecured one on Apr 3rd and got declined.. Approved after recon on Apr 24th..

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 26 of 42
Super Contributor

Re: Finally Chase Freedom approved for $1200

use the freedom for about a year, and your chances for the CSP should be good if you keep utilization and everything thing else on your CR.

Use your Freedom a lot too. Chase likes to see heavy usage.

 

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 27 of 42
Mega 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!!!!

 

WTG on the recon tries!!!!!




EQ FICO 548 3/3/16
Message 28 of 42
Moderator Emerita

Re: Finally Chase Freedom approved for $1200

You could always wait until your secured graduates in Dec/Jan. then it would be a perfect time to ask for a CLI on your new one too - 6-8 mos of history.
Message 29 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..


Yay!!! congrats on the recon success!!!

gardening since 5/21/2016
Message 30 of 42