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Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
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Re: Denied for Chase Freedom..advice please!

[ Edited ]

codimom wrote:

^^^ this.  Walmart would be a good starter as its a: GE and they grow nicely and b: free tu score :smileyhappy:

close that fp as soon as you can.. don't pay an AF for that garbage.

then garden garden garden!


Walmart it is...

but BOO on the FP! I really need something else along with the retail card, just for general purposes.  Is there something else I could get besides the FP? Or is the secured route my only option


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EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
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codimom
Posts: 395
Registered: ‎09-08-2010
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Re: Denied for Chase Freedom..advice please!

a secured card from your bank or credit union.  I'd start there.

Back in the garden!
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distantarray
Posts: 2,112
Registered: ‎09-25-2011
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Re: Denied for Chase Freedom..advice please!


Sitori wrote:

Or is the secured route my only option


Secured DCU like I already mentioned remember that free fico score monthly would run you $240 a year in power score purchases alone =x plus they're a good bank that'll grow with you. PSECU if you can for Ex score but PA residents only unless your family or live with a current member.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
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Re: Denied for Chase Freedom..advice please!

My family lives in PA. I live in FL.  Would that work? lol.

 

I think DCU requires a min of $500. I would probably have to start lower than that for now and increase it later. I'm a full-time student and barely work


distantarray wrote:

Sitori wrote:

Or is the secured route my only option


Secured DCU like I already mentioned remember that free fico score monthly would run you $240 a year in power score purchases alone =x plus they're a good bank that'll grow with you. PSECU if you can for Ex score but PA residents only unless your family or live with a current member.





-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Established Contributor
swpopham
Posts: 554
Registered: ‎06-02-2012
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Re: Denied for Chase Freedom..advice please!

lack of income is alot of the problem.

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
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nuggets321
Posts: 344
Registered: ‎03-25-2011
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Re: Denied for Chase Freedom..advice please!

Dont be dismayed.... i called for a CLI on my measly $5oo limit that they gave me a year ago.... had to take a hard pull for it..... tried over and over again to get them to do it via soft pull , but about 5 different CSRs said no way. I let them go ahead and do a a hard pull and they agve me another joke of a $300 increase bringing it to $800. I would say go the secured route for 8-12 months (maybe out at least 1k in the deposit account if possible) and see what happens in a year. They say higher limits beget higher limits and I think myself, that it does ring true.... just remember to be patient ...(my one downfall in this whole credit game)

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 10,000 CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 3000CL / GEMBWalMart 5000CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase Slate$4000/BofA2500/ToyotaRewardsVisa$6500BofA$6500
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
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Re: Denied for Chase Freedom..advice please!

What about "student" cards? Are they the same thing as secured cards?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: Denied for Chase Freedom..advice please!


Sitori wrote:

What about "student" cards? Are they the same thing as secured cards?


Student cards are almost as hard to get a normal cards...  You really don't have a good chance with them right now. It would be a waste of inquiries


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Denied for Chase Freedom..advice please!

[ Edited ]

Sitori wrote:

My family lives in PA. I live in FL.  Would that work? lol.

 

I think DCU requires a min of $500. I would probably have to start lower than that for now and increase it later. I'm a full-time student and barely work


distantarray wrote:

Sitori wrote:

Or is the secured route my only option


Secured DCU like I already mentioned remember that free fico score monthly would run you $240 a year in power score purchases alone =x plus they're a good bank that'll grow with you. PSECU if you can for Ex score but PA residents only unless your family or live with a current member.


If you are a full time student and barely work, that's even more reason to go the secured route. If you run into problems and think you might be late, you can always call and request them to close it before you are late. Then they can use your deposit to pay the account in full and you get your funds back.  A "regular" credit card is not as easy to deal with if you get in a tough spot.
I agree with others who have suggested that you look into a Credit Union.  At this point I would say hold off on a "regular" card, and go with a "secured" one.  At this stage in your life you can substantial harm rather than good by getting a product that is beyond your ability to repay

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Denied for Chase Freedom..advice please!

YAY!! I was approved for Amazon with $1200 CL  :smileylol:   

 

Yes, I will do the secured card and get rid of the FP asap.  Hopefully with this amazon card (and possibly another store card in the next month or so) I will have some history and will be able to get a better unsecured card next year.  =)

 

thanks for all your help!!!


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EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).

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