12-22-2012 07:29 AM
12-22-2012 08:48 AM
12-22-2012 08:57 AM
Hi All. I decided to reapply for the Chase Freedom and it was declined for the same reasons. But I am working with a very understanding rep and he did the recon and recommended approval for the card. His recommendation has to go to another department for final review. He said he would know on Monday. Keeping my fingers crossed!!!!
Hey! I think you will be approved. Frankly- I'm surprised he couldn't answer you today. Please keep us informed! .
12-22-2012 09:04 AM
On a side note!!!! Stop apping!!!! I don't think you are doing your mortgage app any good! If you get this card (you will btw) You are getting it probably at the expense of your mortgage terms/APR. Just friendly advice!!
12-22-2012 09:04 AM
12-22-2012 09:07 AM
12-24-2012 11:27 AM
12-24-2012 12:15 PM
Hey Everyone! I have an update on my Chase Freedom application! They did the final review after it is was recommended for approval a couple of days ago. From their final review, they said they are "looking to approve" once I fax in a copy of my SS card and proof of address. So they officially declined UNTIL I provide that information. They said it will two weeks before I hear the decision. He said if I was declined declined, he would have told me today but he said they are looking to approve after I provide that info. He said it is not a guarantee but they are looking to approve.
Does this sound like a slam dunk or should I get prepared for a let down? I am assuming he couldn't guarantee it because some documents that have been sent in have been fraudulent? I know my docs won't be so does that mean I am approved? Anyone here go through this process with Chase, and if so, what was the outcome?
I am cautiously excited!
I think you've got it! If it were another decline, they would not request the documentation that they did, they would simply decline for the same reason(s). Sounds to me like you've got the beginnings of a relationship with Chase!
If you're looking to build a portfolio, try other cards that have an easy approval and are good for CLI. AMEX Clear or BCE would be good cards to include. One doesn't always need to have beaucoup rewards, sometimes having the card with decent and regular CLI is/should be the goal. Citi was very good to me with the Diamond Preferred MC, and I've read that Citi can be generous.
12-24-2012 12:37 PM
12-25-2012 08:05 AM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.