Credit Cards

[cd2004]

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..

[rtw]

Congrats! I'm still waiting to get back in the Chase family. Was denied the Freedom last month.

[UFGuy2006]

Congrats! Enjoy the new freedom card. I love mine.

[wealthcreator]

Congrats. I hv been denied in april and approved last week. Waiting for my chase card and $100 signing bonus after 3 months

[MsLadyRover]

Congratulations!

[cd2004]

thanks everyone ... I forgot to add that on my file I have about 18-22 inqs on all reports due to auto shopping in the last year, 3 new store cards in May 2012 and one paid collection from 2011

[MountainHiker]

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cd2004 wrote:

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..

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CD, I am so happy for you. Your experience gives me hope.I too want to re-establish a relationship with Chase.Here's hoping!!

[jordanmedical]

Chase pulls EQ in FL. Congrats!

[MountainHiker]

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jordanmedical wrote:

Chase pulls EQ in FL. Congrats!

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Nice!!! That is my highest score.

[cd2004]

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MountainHiker wrote:

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cd2004 wrote:

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..

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CD, I am so happy for you. Your experience gives me hope.I too want to re-establish a relationship with Chase.Here's hoping!!

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If I was approved then you should be good. I never thought I would see prime cards until after all my baddies hit the 7yr mark...I will be closing Orchard and Household once I get a nice increase from my GERCB cards so that I wont lose utilization that I need