Reply
Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Denied for Chase Freedom..advice please!

Join a credit union and apply for a credit card...or try your chances with something from Cap1 like the MTV Visa or the Journey. They are known to approve for cards like that that won't grow but it would be for general spending purposes plus no AF. We all have to start somewhere.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Denied for Chase Freedom..advice please!


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



Yes it works btw, if a direct family member lives in PA and opens a PSECU account, btw I'm in Florida too, after you get one if you sponser me in I'll pay for your deposit LMAO 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Denied for Chase Freedom..advice please!


distantarray wrote:

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



Yes it works btw, if a direct family member lives in PA and opens a PSECU account, btw I'm in Florida too, after you get one if you sponser me in I'll pay for your deposit LMAO 


I'll have to ask if anyone is a member or if they will join.
You'll pay for my deposit!?? What?! LOL!




-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Denied for Chase Freedom..advice please!


Sitori wrote:

distantarray wrote:

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



Yes it works btw, if a direct family member lives in PA and opens a PSECU account, btw I'm in Florida too, after you get one if you sponser me in I'll pay for your deposit LMAO 


I'll have to ask if anyone is a member or if they will join.
You'll pay for my deposit!?? What?! LOL!

 

 


me want PSECU lmao! I'm kinda crazy like that haha, or I can do something nice like trade services which would help your scores :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Denied for Chase Freedom..advice please!

That's an awesome starting limit with amazon! I would think you can garden that for 4 months and then ask for a credit line increase. I still say go for walmart in four months. At that time you may be approved for the discover version which can be everywhere that accepts discover

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Denied for Chase Freedom..advice please!

 Congrats on Amazon!!! I would go for a Cap 1 and Walmart immediately, and use them responsibly for a year. The only issue you might have going forward is your  income, but if Amazon gave you $1200.00, maybe the other two will give you a decent  credit line.....


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Denied for Chase Freedom..advice please!




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



Yes it works btw, if a direct family member lives in PA and opens a PSECU account, btw I'm in Florida too, after you get one if you sponser me in I'll pay for your deposit LMAO 


I'll have to ask if anyone is a member or if they will join.
You'll pay for my deposit!?? What?! LOL!

 

 


me want PSECU lmao! I'm kinda crazy like that haha, or I can do something nice like trade services which would help your scores :smileywink:


 

LOL!! I don't think my sister or her husband are members but maybe I can ask them to join. I'll let you know


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Denied for Chase Freedom..advice please!


webhopper wrote:
That's an awesome starting limit with amazon! I would think you can garden that for 4 months and then ask for a credit line increase. I still say go for walmart in four months. At that time you may be approved for the discover version which can be everywhere that accepts discover

woohoo! I didnt know walmart had a discover version!   Thats a good idea.  :smileyhappy:


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Denied for Chase Freedom..advice please!


JonStur wrote:

 Congrats on Amazon!!! I would go for a Cap 1 and Walmart immediately, and use them responsibly for a year. The only issue you might have going forward is your  income, but if Amazon gave you $1200.00, maybe the other two will give you a decent  credit line.....


Which Cap 1??? The secured or unsecured?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: Denied for Chase Freedom..advice please!

Cap one pulls from all 3 reports. I would recommend the unsecured if report has no badies
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}