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Established Contributor
Posts: 566
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!! Smiley Very 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. Smiley Happy

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


Super Contributor
Posts: 7,530
Registered: ‎12-11-2011
0

Re: TaDaaaaa....!!

Congratulations!! With a pretty nice limit too considering the fact you were initially denied! Smiley Very 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 Smiley Very Happy 



Frequent Contributor
Posts: 284
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 !!

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: TaDaaaaa....!!

CONGRATS!!!



EQ FICO 548 3/3/16
Senior Contributor
Posts: 3,345
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. Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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: 911
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: 566
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.Smiley Mad

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: 3,345
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.Smiley Mad


 

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! Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

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