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Regular Contributor
Posts: 176
Registered: ‎04-17-2013
0

Re: Declined Chase Freedom :(

Could you tell me whether Chase wants an AAoA or the age of the oldest credit card to be more than 1 year?

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Declined Chase Freedom :(

Age of oldest account to be 1 year old, at least. The longer the better preferably
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
New Contributor
Posts: 60
Registered: ‎12-30-2012
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Re: Declined Chase Freedom :(

They told me it has to be at least a year with credit history my AAOA is only 7 months old.
Current line: Capital One Journey's, $750, Capital One Venture 10k, Discover IT card, $2100 , American Express Gold Card, NPSL, BestBuy Citi Card, $4000, Chase Marriott 7k, Chase sapphire 3k, Citi simplicity 2k, Citi diamond preferred 2.8k.
Age: 20 Credit score: EQ: 760 TU:750 EX:745 Goal: 800 age 25
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Declined Chase Freedom :(


TheRealJosh94 wrote:
They told me it has to be at least a year with credit history my AAOA is only 7 months old.

Wouldn't be concerne with AAoA, just make sure you have an account or two a year old in positive history.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 8,725
Registered: ‎10-21-2012
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Re: Declined Chase Freedom :(


LS2982 wrote:

TheRealJosh94 wrote:
They told me it has to be at least a year with credit history my AAOA is only 7 months old.

Wouldn't be concerne with AAoA, just make sure you have an account or two a year old in positive history.


+1

 

Totally agree with LS' advice on this.  You have to get started somewhere and you should be proud of what you have already accomplished thus far.  Growth comes with time/age.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Declined Chase Freedom :(

If you ever want to try again.Thi's how i told them i want to build credit history and it's doesnt how much they start you with ???? If you agree with $500 limit then i would go for it but it still YMMV.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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