Reply
Established Contributor
Posts: 531
Registered: ‎02-14-2012
0

TaDaaaaa....!!

What's the saying? If at first you don't succeed.... I apped for Freedom last night and got the 7-10 day message. Early this afternoon, I called and spoke with Brandy who denied me for inquiries (even though I explained I was auto shopping). She said no go, wait a year.  I simply was not willing to accept a denial for a HP.  So I called back about two hours later and Tina asked me a ton of questions...Why did I want the card? Why the new credit (I have three new cards in 6 months. Told her I was simply moving some things around, closing some accounts in favor of others, etc.)?  Ever filed BK? Address? She then put me on hold for a bit and I thought she would come back with like a $500 CL which is better than a denial given the inquiry. On this, my second recon call, Tina (bless her heart!!!) reversed the denial on my Freedom app and approved me with a $2000 CL!! :smileyvery-happy: 

 

I am so done apping! I now have the Chase trifecta and plan to use it to the fullest. I have all the cards I set out to get on this journey thanks to these forums. :smileyhappy:

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


Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
0

Re: TaDaaaaa....!!

Congratulations!! With a pretty nice limit too considering the fact you were initially denied! :smileyvery-happy: 

 

I would've done the same thing if my inqs were from auto shopping. Before I came to this forum I saw a denial as a denial, didn't know you could call up and ask for recons. I probably could've started my credit journey a year earlier than I did had I started here first :smileyvery-happy: 

;
Regular Contributor
Posts: 244
Registered: ‎07-29-2012
0

Re: TaDaaaaa....!!

$2000 is good starting limit Chase denied me for Slate last month due to BK !!! But I have Freedom !!

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: TaDaaaaa....!!

CONGRATS!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,318
Registered: ‎05-05-2011
0

Re: TaDaaaaa....!!

Congrats! That's a great CL on recon. They only approved me for $3k earlier this year and wouldn't increase it on recon. Sounds like you got a really nice rep. :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
Posts: 178
Registered: ‎09-12-2012
0

Re: TaDaaaaa....!!

Congrats! I did the same as you last week and received the same limit! I can truly understand your joy! Thank goodness for nice reps.
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: TaDaaaaa....!!

Congrats on your persistence!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: TaDaaaaa....!!

congrats to u ....nice cl on a recon.....


Established Contributor
Posts: 531
Registered: ‎02-14-2012
0

Re: TaDaaaaa....!!

[ Edited ]

Thanks guys! Yeah, she was totally cool and laid back. I just flat out told her how I really wanted the card and anything she could do to help me out would be really appreciated. We chatted about my job (cause she verified employer and salary) and such. Yeah, she was really helpful. The first rep acted like the cl was coming out of her pay.:smileymad:

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


Senior Contributor
Posts: 3,318
Registered: ‎05-05-2011
0

Re: TaDaaaaa....!!


adavis425 wrote:

Thanks guys! Yeah, she was totally cool and laid back. I just flat out told her how I really wanted the card and anything she could do to help me out would be really appreciated. We chatted about my job (cause she verified employer and salary) and such. Yeah, she was really helpful. The first rep acted like the cl was coming out of her pay.:smileymad:


 

Yeah, I've talked to reps like that. Very frustrating. Glad you had the persistance to call back and talk to someone having a better day! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

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.

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.