topic Re: Denied Chase FU recon tips? in Credit Card Applications

Denied Chase FU recon tips?

Anonymous — Sat, 26 Nov 2016 13:10:33 GMT

So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.

Re: Denied Chase FU recon tips?

Anonymous — Sun, 27 Nov 2016 14:53:15 GMT

Before recommending if you should recon, what are your scores and what cards do you have? Can you list the limits also?

Re: Denied Chase FU recon tips?

BronzeTrader — Sun, 27 Nov 2016 16:01:26 GMT

@Anonymous wrote:
So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.

The FU is a Visa Signature card and it has a $5k minimum CL. That was what I was told with a Chase Recon rep. You can certainly drop the CL below $5k, but that is the requirement at application. So most students do not qualify.

Re: Denied Chase FU recon tips?

Anonymous — Sun, 27 Nov 2016 16:12:55 GMT

My Freedom unlimited is not signature and started at 3k. Auto cli to 4k at 4 months. Have not heard of this card requiring 5k limit. It's been said many times about the csp though.

Re: Denied Chase FU recon tips?

Anonymous — Sun, 27 Nov 2016 17:43:54 GMT

@BronzeTrader wrote:
@Anonymous wrote:
So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.
The FU is a Visa Signature card and it has a $5k minimum CL. That was what I was told with a Chase Recon rep. You can certainly drop the CL below $5k, but that is the requirement at application. So most students do not qualify.

Thats incorrect. There are people who have a $500 limit so the rep. is wrong.

Re: Denied Chase FU recon tips?

BronzeTrader — Sun, 27 Nov 2016 19:07:57 GMT

@Anonymous wrote:
My Freedom unlimited is not signature and started at 3k. Auto cli to 4k at 4 months. Have not heard of this card requiring 5k limit. It's been said many times about the csp though.

I just relay what the rep said. He certainly could be wrong. I've seen UL card as Visa, not the Signature Visa.

Re: Denied Chase FU recon tips?

Anonymous — Mon, 28 Nov 2016 02:40:22 GMT

@Yes-Its-Me

Sure can!

723-726 across all three bureaus, no negatives.

Card #1 Capital One $500 limit since Feb

Card #2 AMEX BCE $12K Limit since august.

Re: Denied Chase FU recon tips?

Anonymous — Mon, 28 Nov 2016 02:44:02 GMT

@BronzeTrader I have never heard of it being a visa signature only card, I read that a lot of people got started with very low limits on it.

Re: Denied Chase FU recon tips?

Anonymous — Mon, 28 Nov 2016 08:11:21 GMT

Fact: the Chase Freedom Unlimited is available as a Platinum or Signature version. You can often start with the Platinum version and as your CL equals $5K request to upgrade to the Signature version.

Re: Denied Chase FU recon tips?

Anonymous — Thu, 01 Dec 2016 21:47:33 GMT

Got the denial letter today, they pulled Equifax of 739 and denied for "not enough accounts opened long enough to establish a credit history"

Any chance that this can be recon? I've read conflicting reports.

Re: Denied Chase FU recon tips?

Scupra — Fri, 02 Dec 2016 18:28:33 GMT

@Anonymous wrote:
Got the denial letter today, they pulled Equifax of 739 and denied for "not enough accounts opened long enough to establish a credit history"

Any chance that this can be recon? I've read conflicting reports.

Can't hurt to try..

Re: Denied Chase FU recon tips?

Anonymous — Fri, 02 Dec 2016 18:39:17 GMT

That seems very odd! i would try again for sure and report back. You have great scores adn no negatives like you said.