topic Re: applied for a freedom...RECON? in Credit Card Applications

applied for a freedom...RECON?

chanteezy1006 — Fri, 06 Feb 2015 22:46:01 GMT

SOOO I APPLIED FOR A FRREDOM CARD AND RECEIVED THE 7-10 DAY MESSAGE OF COURSE I WAS WONDERING IF I SHOULD CALL FOR AN IMMEDIATE RECON OR WAIT UNTIL AFTER I RECEIVE THE DENIAL LETTER. SCORES ARE AS BELOW EXCEPT TRANSUNION WHICH IS AT 661 CURRENTLY. (THEY PULL EQUIFAX FOR EVERYTHING IN TEXAS LOL). I ALSO HAVE A FRAUD ALERT ON MY ACCOUNT DUE TO AN ADDRESS ISSUE ON AN OLD ACCOUNT. WOULD IT BE WRTH IT TO CALL? I HAVE YET TO RECEIVE AN ALERT FROM MY FICO STATING A PULL HAS OCCURED....:/ I REALLY WNATED THIS CARD! ANY AND ALL HELP WOULD BE APPRECIATED

THANKS!!

Re: applied for a freedom...RECON?

Anonymous — Fri, 06 Feb 2015 22:47:13 GMT

I would call. Never assume denial. Call and ask if there's anything you can do to help the application. Could be verification

Re: applied for a freedom...RECON?

Anonymous — Fri, 06 Feb 2015 22:52:00 GMT

If they only pulled EQ, you can ask themt to check on your Experian report.

What is your credit portfolio? history?

You can call now, don't wait for the letter.

"Chase: 888-245-0625 (Credit Analyst - Recons)"

Re: applied for a freedom...RECON?

ojefferyo — Fri, 06 Feb 2015 22:52:27 GMT

If your scores are current in your sig line then it's too low for chase.

Re: applied for a freedom...RECON?

CreditMagic7 — Fri, 06 Feb 2015 22:58:17 GMT

Definitely CALL NOW!

They will help explain either way for you.

Their Recon Dept are generally concise and cooperative in trying to get you approved, especially for Freedom Card.

Be advised however that they also like to see at least 1 card with more than 1 year history at least.

Good Luck

Re: applied for a freedom...RECON?

chanteezy1006 — Fri, 06 Feb 2015 23:05:37 GMT

SADLY I WAS DECLINED. STATED I HAD TOO MANY NEW ACCOUNTS, STORE CARDS AND THAT WHILE I MAKE FREQUENT PAYMENTS THE CURRENT BALANCE ON MY SLATE(BT) CARD IS TOO HIGH FOR THEM TO OFFER AN APPROVAL.GUESS ILL TRY AGAIN LATER IN THE YEAR! THANKS FOR ALL THE HELP!

Re: applied for a freedom...RECON?

Anonymous — Fri, 06 Feb 2015 23:08:48 GMT

Well... At least you have the Slate!

Re: applied for a freedom...RECON?

CreditMagic7 — Fri, 06 Feb 2015 23:36:36 GMT

I would break your Slate balance down considerably for them and knock out some store cards (since they made mention of those) especially of they are SCT ones.

Re: applied for a freedom...RECON?

chanteezy1006 — Fri, 06 Feb 2015 23:51:10 GMT

Yeah i actually dont have that many. He said its just that they were opened in December was the issue. So I'll just wait it out. I have a discoverit so i still get rewards!