Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Shot down for CSP - should I recon for Freedom?

I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

 

I kind of hate the fact that I "wasted" an inquiry.  Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

 

I figured that since I used the inquiry, I might as well get something....

Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

Re: Shot down for CSP - should I recon for Freedom?

I would... You have nothing to lose


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Re: Shot down for CSP - should I recon for Freedom?


newportguy wrote:

I would... You have nothing to lose


Well it could lower my AAoA.  Does having a Freedom help with getting other Chase credit products?

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Shot down for CSP - should I recon for Freedom?


charyot77 wrote:

I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

 

I kind of hate the fact that I "wasted" an inquiry.  Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

 

I figured that since I used the inquiry, I might as well get something....


What is your highest credit card limit?

 

Yes, I would try and ask for freedom card.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Re: Shot down for CSP - should I recon for Freedom?


armbenderc wrote:

charyot77 wrote:

I was shot down for a Chase Sapphire Preferred and when I called the backdoor / recon line they said it was because I dont have experience with big limits.

 

I kind of hate the fact that I "wasted" an inquiry.  Would it be stupid to call the backdoor again and ask them to use my credit pull to get a Freedom card instead?

 

I figured that since I used the inquiry, I might as well get something....


What is your highest credit card limit?

 

Yes, I would try and ask for freedom card.

 


My highest credit limit is a $4000 card from US Bank that I got in September.

Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

Re: Shot down for CSP - should I recon for Freedom?

[ Edited ]

Any new card ( but Amex if you already have 1) will lower your AAoA. The Freedom will get you in the door with Chase if your approved.


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Re: Shot down for CSP - should I recon for Freedom?


newportguy wrote:

Any new card will lower your AAoA. The Freedom will get you in the door with Chase if your approved.


Good point....has this been done before? I wonder if anyone else has asked for a lower tier card.

Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Shot down for CSP - should I recon for Freedom?


charyot77 wrote:

newportguy wrote:

Any new card will lower your AAoA. The Freedom will get you in the door with Chase if your approved.


Good point....has this been done before? I wonder if anyone else has asked for a lower tier card.


 

You could always call Chase and ask that very question.  Sometimes they are very personable, esp if you get the right person.  Just ask them if they can use the  credit report they pulled for you CSP application for consideration on a Freedom, you have a decent chance being you're asking for a lesser card (Freedom's CL's are all ranges).   Your stats are very much in line for a Freedom even if they don't think you've had enough exp with high enough limits for CSP.

 

It sure can't hurt to ask since you've already taken an HP for the CSP attempt.  Tell them you were thinking of looking into Discover, but since Chase already had your current report, you'd thought you'd call and ask about the possiblity with Freedom.   Smiley Wink

Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
0

Re: Shot down for CSP - should I recon for Freedom?

I'm not sure what you are asking is even allowed in the first place. Asking for Freedom is not reconsideration, but rather asking for a new card.

 

Beside, by doing that you won't be able to get sign up bonus on Freedom.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Re: Shot down for CSP - should I recon for Freedom?

That's too bad.  Is the regular Sapphire card also a Signature card?

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.