Re: Chase Freedom Recon experience
[ Edited ]
01-24-2013 08:02 AM - edited 01-24-2013 08:05 AM
I called three times to get a potential recon for Chase. Each time I used the information they gave me for the decline to my advantage for the next call. The only reason I was ultimately denied was because of two new accounts in a short time period ( Amazon and Walmart ). Yet I sold myself by explaining how I pay in full each month AND my long standing credit history with Capital One. I was eventually reconsiderd because my history was good despite it not being at the age they wanted it to be. It also helped that my utilization was low and I showed no lates or baddies.
They're very hard to get your foot in the door. I imagine your chances would have been better if your utlization was low.
Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $500
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!