Chase freedom denied-should I call recon line?

[Anonymous]

Keep calling till you get someone to give you a $250 limit and 22.9% apr.

[Skye12329]

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@Anonymous wrote:
Keep calling till you get someone to give you a $250 limit and 22.9% apr.

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Thought the min was $500

Explain that you have been responsible with your current card

[ddemari]

It took me a long time to realize i should only blindly apply for a credit card when I know my reports. Wait at least 3 months, apply when you have your card reporting less than 7% or reporting zero. i applied for freedom a year ago, denied for one card having a 50 % utilization and overall utilization of 25%.

Applied 6 months later with overall utilization of 1% and instantly approved. I wish it could have happened overnight but it took time. Apply for a cap1 platinium or qs1 on Friday to help with your utilization. You need another card if you can aftord /use it right.

[FinStar]

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@Skye12329 wrote:

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@Anonymous wrote:
Keep calling till you get someone to give you a $250 limit and 22.9% apr.

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Thought the min was $500

Explain that you have been responsible with your current card

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CLs can be assigned as low as $250.  And let's see, $250 (or even $500 - if approved) with a 22.9% APR with a CC that will not grow even by CLI standards with Chase or wait until the profile is more mature so it is positioned for a better chance of approval and much better terms?... oh decisions, decisions.

[Anonymous]

My CC has been paid in full each month. No late payments or anything. If that's not responsible then idk what is. I just don't know my reporting date apparently. Purchased an airline ticket and paid it off after I got my bill and a few days before the due date.

Granted that my application is apparently active for 30 days, should I call for a recon again in a few days/weeks and hope cap1 reports a new updated balance that shows a utilization of 0%?

[FinStar]

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@Anonymous wrote:
Keep calling till you get someone to give you a $250 limit and 22.9% apr.

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You realize anytime one keeps calling this is documented with their notes right?  Not sure how that's going to help the OP if the results yield the same outcome.

[FinStar]

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@Anonymous wrote:
My CC has been paid in full each month. No late payments or anything. If that's not responsible then idk what is. I just don't know my reporting date apparently. Purchased an airline ticket and paid it off after I got my bill and a few days before the due date.

Granted that my application is apparently active for 30 days, should I call for a recon again in a few days/weeks and hope cap1 reports a new updated balance that shows a utilization of 0%?

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They are still going to use the same HP which would reflect nothing dramatic as far as a change to swing in your favor.  You realize the Freedom CC is not going anywhere anytime soon and the sign up bonuses are still available right?

[Anonymous]

I'm aware, I just don't necessarily want too many hard pulls as I establish credit. If nothing would change in any case then that's much different. I've survived my entire adult life on cash/debit and have been reluctant to open a CC so I might seem a bit impatient and frustrated regarding getting my first unsecured card and establishing credit. I apologize for that

[FinStar]

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@Anonymous wrote:
I'm aware, I just don't necessarily want too many hard pulls as I establish credit. If nothing would change in any case then that's much different. I've survived my entire adult life on cash/debit and have been reluctant to open a CC so I might seem a bit impatient and frustrated regarding getting my first unsecured card and establishing credit. I apologize for that

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If you keep calling them, it's going to look more of a desperate effort than anything.  Your experience will vary from others - some can get in while others may have to wait.  You may be impatient but the world of credit is not a race.  You have to start somewhere, small steps lead to bigger steps.

[Anonymous]

Lol. You guys fail to see the humor in my post. Eventually an analyst will cave in and give the OP the worst possible terms.