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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Chase recon?

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‎10-09-2012 11:51 AM - edited ‎10-09-2012 11:52 AM

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.

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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Chase recon?

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‎10-09-2012 12:20 PM

BUMP! Anyone?

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Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012

Re: Chase recon?

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‎10-09-2012 12:28 PM

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.
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Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012

Re: Chase recon?

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‎10-09-2012 12:29 PM

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

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
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Frequent Contributor
Jlu
Posts: 460
Registered: ‎06-12-2012

Re: Chase recon?

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‎10-09-2012 12:30 PM

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

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Chase recon?

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‎10-09-2012 12:41 PM

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.

 

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Frequent Contributor
Jlu
Posts: 460
Registered: ‎06-12-2012

Re: Chase recon?

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‎10-09-2012 12:42 PM

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.

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Chase recon?

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‎10-09-2012 12:44 PM

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.

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Frequent Contributor
Jlu
Posts: 460
Registered: ‎06-12-2012

Re: Chase recon?

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‎10-09-2012 12:55 PM

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

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
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