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Chase recon?

Regular Contributor

Chase recon?

Okay so I really want the Chase Freedom but my utl is around 50% due to being on my DW Chase Freedom Card. EDIT: I am an AU on my DW card.

 

I have my business banking with them for one year now. If I app and get denied can I call and recon right away or should I wait tomorrow? Will my business banking with them help? There has been a 20K - 40K deposit in total each month since account was opened? Will this help with my recon? Thanks.

Message 1 of 9
8 REPLIES
Regular Contributor

Re: Chase recon?

BUMP! Anyone?

Message 2 of 9
Highlighted
Regular Contributor

Re: Chase recon?

Having a relationship with them will definitely help, I was approved two months ago with a 78% util. And the only reason I was approved was because I had checking/savings with them. During the application they will ask you if you have an account with them.
Message 3 of 9
Established Contributor

Re: Chase recon?

What is your overall uti, is this your only card? recons can be requested immediately. 

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 4 of 9
Established Contributor

Re: Chase recon?

You may be in luck since Chase generally does not include AU accounts in their analysis.

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 5 of 9
Regular Contributor

Re: Chase recon?


migliogiorni wrote:

What is your overall uti, is this your only card? recons can be requested immediately. 

 


My overallutl. is around  50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

 

Message 6 of 9
Established Contributor

Re: Chase recon?


kwazziee wrote:

migliogiorni wrote:

What is your overall uti, is this your only card? recons can be requested immediately. 

 


My overallutl. is around  50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

 


No, you should re-read my post and realize your DW's utilization has no impact on your own approval/denial.

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 7 of 9
Regular Contributor

Re: Chase recon?


Jlu wrote:

kwazziee wrote:

migliogiorni wrote:

What is your overall uti, is this your only card? recons can be requested immediately. 

 


My overallutl. is around  50%. Which is mainly my DW Freedom card. I have AMEX, CapOne, Discover, Wally Discover, Citi all in good standing. Should I app and then recon right away if denied? Thanks again.

 


No, you should re-read my post and realize your DW's utilization has no impact on your own approval/denial.


Didn't see that. Thank you for the response. I think I will pull the trigger today. Thanks again.

Message 8 of 9
Established Contributor

Re: Chase recon?

You're welcome. Good luck & please report back. 

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 9 of 9