Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
Re: Chase Freedom Recon experience...
+9001

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
New Contributor
PetRaccoon
Posts: 359
Registered: ‎11-29-2011
Re: Chase Freedom Recon experience...

Chase is a huuuuuuge pain to get into the front door imho unless you've been babying your credit, unless you have a nice big balance in one of thier checking or savings accounts.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Regular Contributor
PleioneG
Posts: 114
Registered: ‎08-29-2012
Re: Chase Freedom Recon experience...
[ Edited ]

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 - $3000
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!
New Contributor
PetRaccoon
Posts: 359
Registered: ‎11-29-2011
Re: Chase Freedom Recon experience...

PleioneG wrote:

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.


If it was the Amazon Credit card, those are backed by Chase.  I don't think Chase likes two apps in a short period for thier cards, at least from what I've gathered here.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Regular Contributor
PleioneG
Posts: 114
Registered: ‎08-29-2012
Re: Chase Freedom Recon experience...

It was a store card. Both were store cards. While they are not credit cards, they were still considered accounts of some form. Eventually a rep decided to give me a chance based on my payment history and utlization.


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
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!
New Contributor
PetRaccoon
Posts: 359
Registered: ‎11-29-2011
Re: Chase Freedom Recon experience...

PleioneG wrote:

It was a store card. Both were store cards. While they are not credit cards, they were still considered accounts of some form. Eventually a rep decided to give me a chance based on my payment history and utlization.


Ah, well that was nice of that rep to reconsider then.. I for one don't have the guts to app spree more than 2 accounts at one time, if at all.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)