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Chase Freedom Success RECON

Established Contributor

Re: Chase Freedom Success RECON

Sorry to hear you didn't make it. I'm beginning to feel like the guy in the Discover thread who got the $10k credit limit lol

 

Sometimes you just slip in unnoticed..

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 21 of 24
Established Contributor

Re: Chase Freedom Success RECON


kulamrazool82 wrote:

Congrats. Had applied for Freedom on 08/12/2012 (Sunday) got 7-10 day msg, called  800-432-3117 and spoke to a CSR and later got connected to a Funder ( Credit Analyst), she analysed my credit report and denied. Reason she said was too many inquiries and too many new accounts (Discover, Walmart & Auto Loan), they made TU pull, I guess score might be high 600s. Disappointed! But after reading your post, got some courage and tried 888-270-2127(the number which you called) just before 30 mins and got directly connected to a lady; she informed me that I was denied and someone made this decision on Sunday itself. But I requested her to reconsider, she put me on hold and came back to deny once again. And this time around, the reason told was that I have limited credit history (I have history for more than a year and they need 2 yrs of history), though I tried to convince her by saying that I have good payment history, having checking account with them for more than 2 yrs, got recent salary increment, ready to share my paystub & I am eager to have a prime card..blah blah!!  nope nope..she is not interested. Thanked and hang up.

 

Futile effort from me :-(

 

 

FYI this is my 3rd credit app for Freedom..I am trying this card since 2010. I have a decent score, mid-to-high 600 and decent income 78K.

 

I have Toyota Financial Auto Loan ~ 17K(0.9% APR)  DCU Visa - 5K, Genisys CU Visa - 2K Discover More - 1K Cap One - 750 Cap One Cash rewards - 500 Walmart - 500 Macys - 200 Kohls - 300

 

Each time Freedom & Amex eludes..have to figure out. I have planned to be in the garden for a year, then re-app for Freedom & Amex. 



 

In your other thread you say all three reports have 12+ inquiries. Not including this recent app spree, how many others are in the last 6 and last 12 months. And how old are your oldest two credit cards?

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 22 of 24
Valued Member

Re: Chase Freedom Success RECON

Hi YahComb,

 

Last 12 Months (apart from App Spree): EQ-7 TU-6 EX-4

Last 6 Months (apart from App Spree): EQ-3 TU-1 EX- 2

Before App Spree as of 07/20/2012: EQ-12 TU-11 EX-8

After App Spree as of today: EQ-16 TU-18 EX-12

 

My credit history is around 28 months old.

 

Oldest card - Genisys Visa approved in Sep 2011

Newest card before app spree - Household MC approved in Jan 2012

 

Thanks

Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Message 23 of 24
Established Contributor

Re: Chase Freedom Success RECON

I just remembered that I left out one detail that is worth mentioning: I had a prior 1 year relationship with Chase back in 2007. I used one of their cards for I think 1 purchase and paid it in full - I had a $2500 limit when it was closed due to inactivity.

 

This might have helped me with re-establishing a relationship - it's too bad that they don't backdate like AMEX.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 24 of 24