08-16-2012 10:55 AM
08-16-2012 11:12 AM
08-16-2012 11:15 AM
They have been very lenient as of late. And while the limit may be low, I've seen some low 600 score approvals....
08-16-2012 11:18 AM
08-16-2012 11:24 AM
I recently was denied Chase Freedom with a 649 score on their own scoring system, but I called two diff times for a recon and got a $5k limit! I'd say go for it as long as you have a year or two of history and a few credit cards in good standing. For recon, you can actually ask them to pull any report.
08-16-2012 11:26 AM
I got denied last month with a score of 651. They pulled TU for me. I did call to recon and they were concerned with my utilization on my Citibank card and my HSBC(now Captial One). Both were hovering at 80-90% utilization. I think I would have been approved on recon if not for that. Last late payment on a card was exactly 2 years ago and one paid collection showing on TU.
08-16-2012 11:26 AM
I agree that they have been pretty open about accepting lower scores lately. I recieved my score of 655 (not fico) from them when I got my card. I did get the review message and called in and got denied. Did a recon and got approved for a decent limit. Plus I burned them for about 1000 about 5 years ago and they pulled EX. Had 3 recent inquries in a month span.
08-16-2012 11:27 AM
I had a tough experience with them when they approved me for the Freedom. They denied me for several times in recon; they just wanted me to lower my util % and when I did they immediately approved me. The limit was low but it's CHASE ! NOW, I just got approved for another card backed by CHASE.. the Amazon.com card.
I'd say the approvals don't depend on the scores anymore .. they're more about the current and past use of credit .
08-16-2012 11:40 AM
As many know I was approved 8/12/12 for $2k Chase Freedom. Transunion pulled 631. Called (888) 270-2127 day after getting 7-10 day message. Be prepared to explain any baddies/inq.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.