Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 517
Registered: ‎02-28-2013
0 Kudos

Re: Chase Recon with Insufficient Credit History?

I was in fact denied last week, not due to short credit history but because of my delinquencies in past (Auto Loan, CHASE CC, CapitalOne CC). I called the recon number and the lady over the phone was very nice. She asked me the reason of my delinquencies in past (Nov 2011) and also mentioned my delinquencies will drop off next 6 months. She then asked few more questions to verify identity and finally approved me with $500 CL. I know thats not much but something to start with. 4 months back i couldn't have imagined of applying for any credit anywhere.


She did mention one of the major reason of me getting approved is having a Checking & Savings account with them for over 2 years. CHASE valued the membership. 


I would recommend CHASE as best to bank with. 2 years back when i was getting denied everywhere because of overdrafted accounts and being reported to CHEX system; CHASE was the one who gave me second chance and let me open CHASE Access checking. 6 months of good history they converted the account to Regular checking. 


Sorry didn't mean to hijack the thread but just wanted to share some good experience with CHASE. I would say you hang on for one more year and will be treated really good by them. Meanwhile try to open a checking account there.

Starting Score: EQ: 499
Current Score: EX: 659, EQ: 622, TU: 659
CHASE Freedom Unlimited: 1K, CHASE Sapphire: 5K, Barclay Arrival+: 5K, CapOne: 3K,CapOne: $3K, AMEX BCE: 3.9K, AMEX BCE: 1K, WellsFargo: 300, Discover: 8.7K, DISCOVER IT: 2K, CITI Double Cash:2.8K, Southwest Premier: 2K, Express: 2.5K, Paypal: 3.6K, Amazon: 2.5K, Macys: 7.6K, Walmart: 1.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Cash Rewards: 300

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.