Declined Chase Freedom :(

[TheRealJosh94]

No luck on getting approved on the Chase Freedom card today. Applied last night and got a message pending, so I thought they needed more information since my credit file is thin ( less than a year). Moreover, I called first thing this morning (called back door number) and within a second a manager answered the phone and I provided him with my info. After he put me on hold he tells me I was declined because of short credit file, only 6 months. I asked If there was anything he could do to help me out. Turns out he asked if I had a bank account with chase, mortgages, installment loans, etc. with chase I said no, then he said if I had one I could of gotten approved. Weird. But it's w.e. it's my 6th hard inquire on my EQ file so I'm done credit card shopping for a while. I guess when I turn 19 I will try again!

[vish1]

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@TheRealJosh94 wrote:
No luck on getting approved on the Chase Freedom card today. Applied last night and got a message pending, so I thought they needed more information since my credit file is thin ( less than a year). Moreover, I called first thing this morning (called back door number) and within a second a manager answered the phone and I provided him with my info. After he put me on hold he tells me I was declined because of short credit file, only 6 months. I asked If there was anything he could do to help me out. Turns out he asked if I had a bank account with chase, mortgages, installment loans, etc. with chase I said no, then he said if I had one I could of gotten approved. Weird. But it's w.e. it's my 6th hard inquire on my EQ file so I'm done credit card shopping for a while. I guess when I turn 19 I will try again!

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Chase generally needs atleast a year. I will agree with you. No more apping for atleast 6 more months. I am assuming that you have atleast 2 open cards. If NOT, you need them.

[RhubarbPie]

you should call again and see if you get a more sympathetic CS rep. Sometimes even if the first recon call doesnt work, the 2nd one might!

[fearlessdragon]

I have less than 4 months of history and I got my freedom after my 5th recon call. But I had CHase checking account and the Credit Analyst saw that I paid my Discover through my Chase checking and approved me for 1200. So try again...

[TheRealJosh94]

I will but I hope I don't get the same guy again. But I'll call again tomorrow to see what they can do for me!

[boomhower]

Try to recon again but Chase typically likes 12 months of revolving credit before approving for their cards.

[FinStar]

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@TheRealJosh94 wrote:
I will but I hope I don't get the same guy again. But I'll call again tomorrow to see what they can do for me!

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Sorry to hear about the Freedom CC decline.  However, not everyone calling over and over will get successful results.  As it appears that you don't have a Chase relationship established to leverage an approval and the fact that your file is still considered thin will only result in another denial.  You may get a sympathetic ear, and while some folks encourage to call again, this will be counterproductive.  I would hedge the advice/consensus of other seasoned posters above who have suggested to garden what you have.  Just remember, credit is not a race, and the Freedom CC will be around for a while.

[JonStur]

If you want this card bad enough, are you willing to establish a relationship with them ( ie. checking, savings)?

[LS2982]

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@FinStar wrote:

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@TheRealJosh94 wrote:
I will but I hope I don't get the same guy again. But I'll call again tomorrow to see what they can do for me!

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Sorry to hear about the Freedom CC decline.  However, not everyone calling over and over will get successful results.  As it appears that you don't have a Chase relationship established to leverage an approval and the fact that your file is still considered thin will only result in another denial.  You may get a sympathetic ear, and while some folks encourage to call again, this will be counterproductive.  I would hedge the advice/consensus of other seasoned posters above who have suggested to garden what you have.  Just remember, credit is not a race, and the Freedom CC will be around for a while.

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This ^^^^^^^^^^^^^^^^^

You don't want a toy limit approval, I would consier gardening for a year then getting a good starting CL from them!

[enharu]

I would just wait if I were you. Chances are if you are approved they will give you a 500-1000 card.