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Reconsideration did not work for me

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Anonymous
Not applicable

Reconsideration did not work for me

Ok I tried to get recon on my chase app I think I called four times and was told that my new acc need to age. I give up no luck on my end I did fill out to many app I really wanted to get a major card instead of all the store cards I have.

I take any advise please feel free if you have any.
Message 1 of 9
8 REPLIES 8
tylaw13
Regular Contributor

Re: Reconsideration did not work for me

what cards do you currently have, also what are your scores and AAoA. i called the exec backdoor number and talked to a very nice lady who got me approved.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Message 2 of 9
Anonymous
Not applicable

Re: Reconsideration did not work for me

I have a secure cap1 2750 for a year 6months, vs 350, gap 300, Walmart 400, saks 600, bloomingdales no limit yet they say I have 1000 but its not a limit I think. My scores are tu625, eq622, ex619. What's aaoa. And my gap,vs and household 300 is 5 mon old. And I just got the others in June.
Message 3 of 9
tylaw13
Regular Contributor

Re: Reconsideration did not work for me

AAoA = average age of accounts. but its seems like all of your accounts are new. you must be just starting out with your credit. wait till your accounts are like a year old and im sure youll have a better chance.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Message 4 of 9
Anonymous
Not applicable

Re: Reconsideration did not work for me

That's the same thing I was thinking and that's what they said and plus I have a judgement that's coming off soon as I go to court so I will wait. No I made bad decision when I was early 20 so I been fixing it over the past few years thanks for the advise
Message 5 of 9
Crashem
Valued Contributor

Re: Reconsideration did not work for me

With those scores and credit profile, I would not have bother recon or even apping to chase. Garden or avoid apping to any prime cards for a while.
               LIMITS IN CARD DESCRIPTIONS
Message 6 of 9
LS2982
Mega Contributor

Re: Reconsideration did not work for me


@Crashem wrote:
With those scores and credit profile, I would not have bother recon or even apping to chase. Garden or avoid apping to any prime cards for a while.

I agree, give it 1 year and go for it!




EQ FICO 548 3/3/16
Message 7 of 9
CreditScholar
Valued Contributor

Re: Reconsideration did not work for me


@Crashem wrote:
With those scores and credit profile, I would not have bother recon or even apping to chase. Garden or avoid apping to any prime cards for a while.
+1. Those scores are borderline lousy. You'll need to garden before you stand a chance with any prime lender.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 8 of 9
Repo-ed
Senior Contributor

Re: Reconsideration did not work for me

www.whogavemecredit.com

 

Wish more people checked this site out, before wasting INQs

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 9 of 9
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