Credit Cards

[eviLution]

+9001

[PetRaccoon]

Chase is a huuuuuuge pain to get into the front door imho unless you've been babying your credit, unless you have a nice big balance in one of thier checking or savings accounts.

[PleioneG]

I called three times to get a potential recon for Chase. Each time I used the information they gave me for the decline to my advantage for the next call. The only reason I was ultimately denied was because of two new accounts in a short time period ( Amazon and Walmart ). Yet I sold myself by explaining how I pay in full each month AND my long standing credit history with Capital One. I was eventually reconsiderd because my history was good despite it not being at the age they wanted it to be. It also helped that my utilization was low and I showed no lates or baddies.

They're very hard to get your foot in the door. I imagine your chances would have been better if your utlization was low.

[PetRaccoon]

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PleioneG wrote:

I called three times to get a potential recon for Chase. Each time I used the information they gave me for the decline to my advantage for the next call. The only reason I was ultimately denied was because of two new accounts in a short time period ( Amazon and Walmart ). Yet I sold myself by explaining how I pay in full each month AND my long standing credit history with Capital One. I was eventually reconsiderd because my history was good despite it not being at the age they wanted it to be. It also helped that my utilization was low and I showed no lates or baddies.

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If it was the Amazon Credit card, those are backed by Chase.  I don't think Chase likes two apps in a short period for thier cards, at least from what I've gathered here.

[PleioneG]

It was a store card. Both were store cards. While they are not credit cards, they were still considered accounts of some form. Eventually a rep decided to give me a chance based on my payment history and utlization.

[PetRaccoon]

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PleioneG wrote:

It was a store card. Both were store cards. While they are not credit cards, they were still considered accounts of some form. Eventually a rep decided to give me a chance based on my payment history and utlization.

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Ah, well that was nice of that rep to reconsider then.. I for one don't have the guts to app spree more than 2 accounts at one time, if at all.