topic Re: Chase Freedom Flex Denial in Credit Card Applications

Chase Freedom Flex Denial

DoctorManhattan — Wed, 31 Aug 2022 00:04:07 GMT

Denied for my first chase card (Freedom Flex) for having too many open accounts (7) and high lines of credit. Also my credit history is "too new". My credit history goes back to 2012. I just switched to banking with them but DD hasn't hit. Maybe I should've waited to build more of a relationship.

Re: Chase Freedom Flex Denial

M_Smart007 — Wed, 31 Aug 2022 00:14:11 GMT

@DoctorManhattan, Sorry for your denial

Have you tried "recon"?

I was able to get a "Chase United denial overturned."

I am quite sure my profile at the time was pretty scary.

Re: Chase Freedom Flex Denial

DoctorManhattan — Wed, 31 Aug 2022 00:13:35 GMT

Really? How did it work out and what did you say if you can please help with pointers.

Re: Chase Freedom Flex Denial

DoctorManhattan — Wed, 31 Aug 2022 00:14:34 GMT

And I am going to wait until my DD hits on Friday to recon. Maybe that will help?

Re: Chase Freedom Flex Denial

M_Smart007 — Wed, 31 Aug 2022 00:14:57 GMT

@DoctorManhattan wrote:
Really? How did it work out and what did you say if you can please help with pointers.

Read post #2, I edited to add.

Re: Chase Freedom Flex Denial

Mdowning30 — Wed, 31 Aug 2022 12:19:15 GMT

Call recon, be polite and explain yourself about the reasons given about the denial. I've been denied for my Amazon Prime card and CLI request on my CFU, but i called recon for both and got them approved.

Re: Chase Freedom Flex Denial

OmarGB9 — Wed, 31 Aug 2022 12:26:02 GMT

@DoctorManhattan wrote:
And I am going to wait until my DD hits on Friday to recon. Maybe that will help?

I don't think DD will really help unless you're running six or seven figures through it.

Re: Chase Freedom Flex Denial

SDMarik — Wed, 31 Aug 2022 14:46:27 GMT

Sorry about the denial.

As others have said, it's definately worth giving recon a shot.

Re: Chase Freedom Flex Denial

CreditMarathoner — Wed, 31 Aug 2022 15:29:40 GMT

How old are your accounts? If you have more than 5 revolving accounts less than 24 months old they will automatically deny.

Re: Chase Freedom Flex Denial

DoctorManhattan — Thu, 01 Sep 2022 00:53:45 GMT

@OmarGB9 wrote:
@DoctorManhattan wrote:
And I am going to wait until my DD hits on Friday to recon. Maybe that will help?
I don't think DD will really help unless you're running six or seven figures through it.

I make a decent living, nothing crazy, but six figures.

Re: Chase Freedom Flex Denial

DoctorManhattan — Thu, 01 Sep 2022 00:54:27 GMT

I was 3/24 when I applied

@CreditMarathoner wrote:
How old are your accounts? If you have more than 5 revolving accounts less than 24 months old they will automatically deny.

Re: Chase Freedom Flex Denial

OmarGB9 — Thu, 01 Sep 2022 01:12:46 GMT

@DoctorManhattan wrote:
@OmarGB9 wrote:
@DoctorManhattan wrote:
And I am going to wait until my DD hits on Friday to recon. Maybe that will help?
I don't think DD will really help unless you're running six or seven figures through it.
I make a decent living, nothing crazy, but six figures.

Six figure DD deposits?

Re: Chase Freedom Flex Denial

DoctorManhattan — Sun, 04 Sep 2022 11:09:51 GMT

@OmarGB9 wrote:
@DoctorManhattan wrote:
@OmarGB9 wrote:
@DoctorManhattan wrote:
And I am going to wait until my DD hits on Friday to recon. Maybe that will help?
I don't think DD will really help unless you're running six or seven figures through it.
I make a decent living, nothing crazy, but six figures.
Six figure DD deposits?

Haha no not that much I wish. I make right under 200 a year.

Re: Chase Freedom Flex Denial

M_Smart007 — Sun, 04 Sep 2022 13:31:03 GMT

@DoctorManhattan, One final thought ...

If you have time, go into a branch, talk to a personal banker,

explain the situation as well as your banking with them,

see if there is anything that they might be able to do for you.?

I have accomplished a few things in person, that I don't think I could on the phone.

That goes for personal and business. (BRM)

Re: Chase Freedom Flex Denial (RECON APPROVED)

DoctorManhattan — Fri, 16 Sep 2022 13:15:23 GMT

What's up everyone. Just called reconsideration today. They asked me a few questions and was approved with a 6K LIMIT. Its one of my lower limits but I am so happy!!!!!! Can mods switch this to approvals? Thanks!

Re: Chase Freedom Flex Denial

gdale6 — Fri, 16 Sep 2022 14:35:43 GMT

As OP has been approved this thread is closed to further comment. OP is free to create a thread in approvals if so desired