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Same thing here. Almost. I tried to recon and explain the situation and was still denied. I think it was because of too little credit established after my bk ch7 discharged in 09. Even though I told her that I just got approved for two cc that week, she said "sorry"
Discover said they won't recon either!
I also apped through a local CU and was also denied, even though I was on the phone with the guy almost 20 minutes! He said the same thing; too little credit established after the BK.
Good luck t hough!
With a score barely over 600 I would think you are not quite there yet. I just squeezed by with a 631. You need to remember that even though they are lenient recently, they are still a prime lender.
I got denied for Chase Freedom with a 687 fico. the only negative is paid CO from Chase from 2005 and they said that didn't matter. I have 21 total accounts on my credit, oldest over 10 years old and AAoA 4 year 100% on time except for that one account from chase.
they were more worried that I had multiple card with balances, I explained that I had just made a large purchase and spread it out over 3 cards. they told me to pay them off and call back.
@Jlu wrote:With a score barely over 600 I would think you are not quite there yet. I just squeezed by with a 631. You need to remember that even though they are lenient recently, they are still a prime lender.
I would like to think that my banking relationship (over $20k in my checking account) and positive Chase TL CC I had open from 2005-2007 helped me.
I'd imagine a previous Chase CO combined with you opening multiple TLs in a matter of days was a huge red flag. You might want to give it 6 months to a year and try again. Opening a Chase checking account like the above poster recommended might also help during manual review, but only if there was a decent amount of money in it - having an account with $11.28 in it might actually hurt you.
I got approved with a 678 Fico score only CL=500. I tried multiple times to get an CLI. I told them I had accounts with chase for over 10 years and then the CSR said "well that's exactly why we gave you the card" around $4000 in Checking and Savings, still didnt get the CLI
appreciate the feedback guys.
I have my primary checking account with Chase, which I pointed out to the lady I spoke to. I've had it for many many years. I also have a JPM brokerage account, however my father is still the custodian, and the lady just shrugged it off.
I just received the denial letter (dated before my recon call) and it specifically stated "delinquency or other derog relationship with our bank".
So the question remains -- should I wait for the next decision letter in the mail, or just go ahead and call the Recon line again and talk to another rep?
Call and try another person... I heard some people had to recon twice or three times to get approved...i reconned 4 times no luck