Chase Freedom Recon attempt #2 Success

[Cubist]

I applied for a Chase Freedom card & got the 7-10 day message. I called the next day to recon and was told I had too many INQ and a high utilization. Denied. The high utilization is due to a large appliance purchase on a new Lowes card & the only reason it has a balance at all is because I was taking advantage of the financing deal they offered. My three other accounts have a ) balance. I attempted to explain that the majority of my INQ were mis-coded & were from my mortgage being shopped to different lenders. (I have 14 INQ in 2 years and at least 10-11 of them are from my recent mortgage process). The rep I got that day didn't’t seem to want to hear anything about it & seemed to be keeping to a script/ set of hard coded rules on approvals.

I decided that I would try again. I already had the hard pull, so I really had nothing to lose. Maybe I just got the wrong type of rep the first time. I explained all the same reasons for the INQ & utilization & was approved w/ a $1200 CL after a short hold.

Persistence pays with Chase I guess. If you don’t have recon success with them, try again. You may get a more flexible rep the second time around.

Now off to the garden for me!

[MsLadyRover]

Congratulations!

Yes...Persistence pays! When I got my Freedom it took 2 recon calls as well.

[CashOnDelivery]

I got that same message back in July. It wasn't a recon because they didn't say no. It was just a identity verification and they had questions about an account that had a high balance. I told them that it was 0% finance and the rest of my accounts had low or no balances. They liked that answer and were easy to deal with.

[Danizzle]

Instead of making a new thread I thought I"d bump this one with my question..

I know I saw in another topic that Chase requires 12 months of history as one of their requirements for a Freedom card. I'd like to get one for the quarterly rotating categories. I have a Sapphire card already, so does Chase want 12 months of history with that card or 12 months. AAoA? Or one account that's been open for a year?

[09Lexie]

@Danizzle

The 12 mo requirement is not set in stone and generally applies to new or rebuilding credit. If you already have their CS, no recent baddies you havent added too many ccs in the past 6 mos and your util is good I don't see a problem

Good luck.