Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 637
Registered: ‎07-24-2012
0 Kudos

Chase Recon - Tell Them You Have Checking!

So given the impending rumored demise of the 10-points-per-transaction Chase Exclusives bonus on the Chase Freedom card, I decided to come out of the garden and apply.


My initial application got the 7 to 10 day notice, so I called in to the backdoor recon number. The fellow who answered the phone dismissed me swiftly and curtly citing 7 inquiries and leaving no space for me to get a word in edgewise to try to explain that 2 of those are from rental applications on my recent move and 1 was in dispute as it had been applied by BoA when I did my product change. He gave zero sign of being willing to hear reason, so I simply said thank you and hung up.


I went and pulled a fresh report on CreditSecure to make sure my inquiry count was correct, and seeing that it was, called in again, this time to the number labeled "Credit Analyst" in the backdoor thread instead of the one labeled "App Recon". This time I found a more sympathetic ear...she listened patiently to my explanation of the inquiries, but then said they still didn't like to see even 4 inquiries in the past 6 months. At this point I explained that there was rumor of the Exclusives program being diminished or discontinued, and since I had a checking account with them that is what had spurred me to take advantage of this program while I could, against my better judgment to wait and apply later.


To which she replied, "Oh! You have a checking account with us?"


I, a little mystified that she didn't know this already, said "Yes, yes i do.  And savings as well."


"Give me a moment."


She puts me on hold for 30 seconds, pulls up my account info, comes back on and interviews me about each of my open credit tradelines and why I had applied for it. She also asks what my spending plans for the Freedom card are, whether I intend to use auto-pay (I say yes), and whether I would like the auto-pay to be for the minimum due or full balance (full balance). She comes back and says "Congratulations! You are approved for $400."


Certainly not as much as I might have hoped for, but considering I knew full well this application was 4-6 months earlier than it should have been, I am pleased enough to have my foot in the door and be grandfathered in with the 10-and-10 Exclusives benefits.


So my main reason for posting yet another recon thread:  make sure they know you have other accounts at Chase.  Apparently they're not always automatically made aware of the fact, and given my experience it is clear that that does factor positively in their credit decisions.


Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

Sad you had to go through the troubles but congrats on the approval.

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

Congrats on the successful recon!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor
Posts: 1,556
Registered: ‎09-01-2011
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

Not to impugn your approval and congrats but I thought the min was $500. Surprised they can now go below that, had no idea.

Established Contributor
Posts: 665
Registered: ‎08-02-2011
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

Congrats on your approval - good job!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

congrats, lowest CL I've seen.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0 Kudos

Re: Chase Recon - Tell Them You Have Checking!

come to think of it i applied for the CSP auto approved then Freedom right after and got the dreaded message lol, but then I got it in my favor after I stated I wanted to complete the trifecta lol and mentioned i had 50k in my accounts lol

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.