Credit Cards

[MountainHiker]

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bmd0224 wrote:

Chase pulled EQ only for me in NC.

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Thank you for that.Very reassuring! Btw, I think North Carolina is a great state! Considering a move to either Raleigh or the Asheville area.Love those down home values and the food!!

[creditnocash]

kind of late now but they pulled ex only when i apped for chase freedom last month. got approved for 500 :/ 

[CREDITSURFER]

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

[09Lexie]

Welcome to the forum!

Chase usually requires 6-12 mos of revolving history. I say usually because YMMV but I think 2 mos is too short for Chase.

You might want to start a new thread to ask for suggestions other than this threads topic.

[CREDITSURFER]

thanks for the quick reply!

[HiLine]

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CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

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Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase.

[dodgerslv]

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HiLine wrote:

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CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

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Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase.

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wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.

[Revelate]

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dodgerslv wrote:

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HiLine wrote:

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CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

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Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase.

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wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.

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I was approved for a Freedom with three secured cards on my credit report.  

I don't think this is the case honestly, though I agree that 2 months is too short of time unless you have a good chunk of increasing change in a Chase depository account and have had that for a non-trivial amount of time.

[HiLine]

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dodgerslv wrote:

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HiLine wrote:

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CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

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Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase.

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wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.

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Let me be more specific. When I applied for Chase Freedom, the Chase credit analyst said the reason for denial was that my only card was a secured card. This exchange left a deep impression in me - why not? They rejected my application, and worse, they looked down upon the card I had proudly been owning and using. 

I really hope what the Chase person said to me did not reflect Chase's policy, but to be on the safe side, I would suggest that you obtain a non-secured card before applying for a Chase card. Or having multiple secured cards may help you like it did Revelate.

[dodgerslv]

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HiLine wrote:

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dodgerslv wrote:

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HiLine wrote:

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CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.

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Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase.

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wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.

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Let me be more specific. When I applied for Chase Freedom, the Chase credit analyst said the reason for denial was that my only card was a secured card. This exchange left a deep impression in me - why not? They rejected my application, and worse, they looked down upon the card I had proudly been owning and using. 

I really hope what the Chase person said to me did not reflect Chase's policy, but to be on the safe side, I would suggest that you obtain a non-secured card before applying for a Chase card. Or having multiple secured cards may help you like it did Revelate.

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Well eventually i want to get in with Chase (got denied back in Aug.2012 and denied on 1st recon attempt). Would like to try around sep/oct. of this year but afraid i may still get denied. I am going to take my chances and aim high (CSP), dont know what my chances will be come the time but i will be prepared to recon this time and take no for an answer...LOL.