Recon chase freedom?

[credit_noob]

Hey everyone! I recently posted about starting to apply for credit cards, and the forum has provided quite valuable infornation about starting off. I am currently 18 and a student in college with ~11000 income (over the summer). I originally applied for the cgase freedom and was denied for short history, and attempted a recon, but failed. (This was four days ago). Since then, I have applied for the bofa student travel rewards card (approved with 800 cl), the amex pr gold (approved), and the amex bce (approved but don't know limit yet). I had a 797 EX score when I checked 7/30, but I don't know my other scores yet. Anyways, I was wondering if I should try the recon line with chase again, or if I should jusylt wait a couple of months and try again. Thanks!!

[djc1puno]

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@credit_noob wrote:
Hey everyone! I recently posted about starting to apply for credit cards, and the forum has provided quite valuable infornation about starting off. I am currently 18 and a student in college with ~11000 income (over the summer). I originally applied for the cgase freedom and was denied for short history, and attempted a recon, but failed. (This was four days ago). Since then, I have applied for the bofa student travel rewards card (approved with 800 cl), the amex pr gold (approved), and the amex bce (approved but don't know limit yet). I had a 797 EX score when I checked 7/30, but I don't know my other scores yet. Anyways, I was wondering if I should try the recon line with chase again, or if I should jusylt wait a couple of months and try again. Thanks!!

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first congrats on the approvals! as for chase, it's worth another recon...but if you're still denied, then yes i would let your new accounts age, increase your AAoA and then try again i'd wait at least 6 months...a year would be best to get more history under your file...and since you got approved for others, i'm sure chase can wait a bit

[Dreamwalker]

Unless you were using a 'couple of months' liberally, you should recon now. Otherwise wait six months and try again. If you wait just a couple of months then you have all of this recently obtained credit, and the inquries (and possibly a lower AAoA).

Congrats on the cards. Amex thinks I have too much in student loans.

Edit:Ninja'd.

[JonStur]

You can always try there is no harm in that. However, your history is still short to them because you haven't established a pattern of showing you can be responsible with credit yet... Even if you do convince them to extend credit, it will probably be a small limit. Establish yourself and Chase can be generous... It's up to you to decide whether its worth the wait..Welcome to the Forum and good luck!!!!

[randeman]

Exactly, like JonStur said, there's no harm in trying.  It will only cost you a few minutes of your time, and the reward if you're successful is NICE!

[myjourney]

Use the cards you have if you got in with Amex with a short history then build from there and if after 6 months of CC history you still want a Chase CC go for it then.

Congrats on the CC's 

[credit_noob]

Sorry, another dumb question. When I recon, should I mention my new cards or no? I assume that the credit report they look at would be the one that they initially pulled for my application?

[FinStar]

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@credit_noob wrote:

Sorry, another dumb question. When I recon, should I mention my new cards or no? I assume that the credit report they look at would be the one that they initially pulled for my application?

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It will be another HP.  You are asking Chase to re-review the original decision so they will not use the same report - or may reference some of that information with a new one.  They may also pull an alternate CR which could potentially show them your other recent inquiries.

[myjourney]

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@FinStar wrote:

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@credit_noob wrote:

Sorry, another dumb question. When I recon, should I mention my new cards or no? I assume that the credit report they look at would be the one that they initially pulled for my application?

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It will be another HP.  You are asking Chase to re-review the original decision so they will not use the same report - or may reference some of that information with a new one.  They may also pull an alternate CR which could potentially show them your other recent inquiries.

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+1 correct

which is why i suggested wait 6 months and try again

[cjpar007]

First off, Congrats on being responsible, and getting started on your credit history early, unlike the majority of clueless college students.

The chase freedom is a great card, but there are other cards that are very similar that can be beneficial to you. I would recommend the Discover It for Students, you earn 1% on all purchases, plus 5% on categories that rotate every quarter. In addition, it comes with exceptional benefits, and security features.

I can tell you from experience that if you do get approved for the chase freedom through a recon, you will most likely get the high 22.9% APR and it would apply indefinitely even if you manage the account well, and pay the balance in full. That's what happened to me. However, you are on the right track, but don't apply for too many accounts if you dont need them. As you can see, I made that mistake and it would really knocked my score. Best wishes!

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Bank of America Better Balance Rewards (10K) 03/2010

Citi Forward (5K) (06/2011)

Best Buy (4,2K) (05/2011)

Discover It (2,5k) (10/2011)

Chase Freedom (5,5K) (02/2012)

Citi Thank You Preferred (8K) (03/2012)

Citi Thank You (6,5K) (04/2012)

Citi Dividend (3K) (06/2012)