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New Member
langchevy
Posts: 4
Registered: ‎10-07-2012
0

Recon for chase freedom success!

[ Edited ]

So today I got the itch to apply for the Chase Freedom after clicking on and off the app page for about 20 minutes.  I did the application and got the dreaded "account pending further review". I then decided not long after to call the app status number which told me the same thing (I was expecting to get a denial at this point, but it still said pending further review) At which point I got really brave and called the backdoor recon number. On the other end was a very polite young analyst. She told me my card had been declined due to too many inquiries. She asked me why I had so many inquiries, which I had 8+ in the last three months. I explained to her that 7 of those were for an auto loan I was trying to get. She asked if I would like to have her take "another look". Which surprised me greatly due to the fact that most of what I read is the customer initiating the recon, not the analyst. I then explained to her that all my revolving accounts where always paid in full before the end of each month. She then asked me about my employment history, income, and housing obligations. After which I was put on hold for about 5 minutes, which felt like 5 hours. She comes back on the phone and says congrats Mr.. Langchevy let me get everything finalized for you and we will be sending out your card within 5-7 days. I was approved for a $1,000 limit. 

 

My EQ fico score at the time was 699 not sure what TU was or is. 

 

My credit history real quick

BBRZMC $700 limit opened 1/1/10 

Cap 1 Classic Platinum $1000 limit opened 12/1/11 

Jareds $1250 limit opened 6/2/12

 

So at this point I'm pretty excited about the whole thing and plan on using the chase card as my main card and sock drawering the rest. 

 

Hope you enjoyed my recon story. 

Valued Member
littlelottie
Posts: 36
Registered: ‎12-18-2011
0

Re: Recon for chase freedom success!

Congrats! The freedom is a great card. 


Starting Score (January 2013): TU: 704, EQ: 679, EX: 687
Current Score (September 2013): TU: 741. EQ: 703, EX: 712
Goal Score: 730 Across the Board


Take the myFICO Fitness Challenge
Established Contributor
adavis425
Posts: 513
Registered: ‎02-14-2012
0

Re: Recon for chase freedom success!

Congrats!!!! :smileytongue: I don't see the sense in wasting an inq without at least attempting a recon. They can only say no-and they've said that already. What do you have to lose?? Wtg!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Established Contributor
shakalaka
Posts: 554
Registered: ‎09-10-2012
0

Re: Recon for chase freedom success!

Congrats

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 770 (8/18) EQ 732 (8/8) EX 748 (12/5)

Frequent Contributor
Mellon
Posts: 339
Registered: ‎08-31-2007
0

Re: Recon for chase freedom success!

congrats!!

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Frequent Contributor
isoldmyatlas
Posts: 341
Registered: ‎04-28-2012
0

Re: Recon for chase freedom success!

Congratulations!! Chase does seem to have a really nice recon staff, I had great service from them today as well. 

TU: 761 (7/13/14) | EQ: 777 (7/6/14) | EX: 764 (8/10/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $5,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/13); Chase Hyatt, $7,000 (09/13)
New Member
langchevy
Posts: 4
Registered: ‎10-07-2012
0

Re: Recon for chase freedom success!

Thanks for all the well wishes guys. I'm new here and wasn't sure how my post was going to be reacted to. I'm glad to see a lot of you are very helpful and contribute to the threads around here in a friendly and professional manner. It's definitely a breathe of fresh air compared to some of the forums I frequent. I will say that I honestly don't think that I would have gotten approved have I not read the many threads and FAQ's around here. I would again like to extend my thanks to this forum and it's members!

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Recon for chase freedom success!

congrats it's nice to see others lurking and using the tools given on this website.  Very nice card to.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Regular Contributor
jnkp2001
Posts: 135
Registered: ‎01-04-2012
0

Re: Recon for chase freedom success!

I just got the denial letter yesterday.  It said because I had a bankruptcy.  My bk is over 7 yrs old!:smileyfrustrated:   I'll admit I have a high utilization.  so, my question is, If I do a recon, do they just look at the bk?  and can they tell me what my score was?  Thanks for the help.

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Recon for chase freedom success!

Nice card.  Congrats!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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