topic Chase Freedom App. in Credit Card Applications

Chase Freedom App.

datrucking210 — Sat, 21 Mar 2015 21:53:21 GMT

I decided to app for the Chase Freedom card since I had nothing better to do. I was expecting an auto decline but to my surprise it said my application needed more time to be reviewed. What can I expect and should I call and ask. is there a particular number to call?

Re: Chase Freedom App.

baller4life — Sat, 21 Mar 2015 21:59:42 GMT

888-245-0625 (Credit Analyst - Recons)

Re: Chase Freedom App.

datrucking210 — Sat, 21 Mar 2015 22:16:54 GMT

@baller4life wrote:
888-245-0625 (Credit Analyst - Recons)

Thanks for the number. I'll be calling right now!

Re: Chase Freedom App.

datrucking210 — Sat, 21 Mar 2015 23:09:43 GMT

Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.

Re: Chase Freedom App.

gdale6 — Sat, 21 Mar 2015 23:16:56 GMT

@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.

If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,

Re: Chase Freedom App.

SecretAzure — Sun, 22 Mar 2015 01:56:57 GMT

@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,

What's a charge off? (CO)

Re: Chase Freedom App.

datrucking210 — Sun, 22 Mar 2015 02:17:16 GMT

@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,

Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.

Re: Chase Freedom App.

SecretAzure — Sun, 22 Mar 2015 02:22:04 GMT

@datrucking210 wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.

I'm thankful that these forums exist. I will never make another major credit decision again without coming here and asking for suggestions/help/ideas first. This is a very valuable resource full of an extremely helpful community.

Re: Chase Freedom App.

datrucking210 — Sun, 22 Mar 2015 02:25:37 GMT

@SecretAzure wrote:
@datrucking210 wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.
I'm thankful that these forums exist. I will never make another major credit decision again without coming here and asking for suggestions/help/ideas first. This is a very valuable resource full of an extremely helpful community.

Yes it is!

Re: Chase Freedom App.

gdale6 — Sun, 22 Mar 2015 02:59:19 GMT

@SecretAzure wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)

A charge off is the term applied when a creditor writes off a balance owed to them to their profit and loss statement.

Re: Chase Freedom App.

SecretAzure — Sun, 22 Mar 2015 03:06:47 GMT

@gdale6 wrote:
@SecretAzure wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)
A charge off is the term applied when a creditor writes off a balance owed to them to their profit and loss statement.

So it's quite a bad blemish on one's report. Thank you for answering! This would be considered a "Baddie?"

Re: Chase Freedom App.

gdale6 — Sun, 22 Mar 2015 03:15:20 GMT

@SecretAzure wrote:
@gdale6 wrote:
@SecretAzure wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)
A charge off is the term applied when a creditor writes off a balance owed to them to their profit and loss statement.
So it's quite a bad blemish on one's report. Thank you for answering! This would be considered a "Baddie?"

Oh yes its a baddie...

Re: Chase Freedom App.

Imperfectfuture — Sun, 22 Mar 2015 06:39:00 GMT

@SecretAzure wrote:
@datrucking210 wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.
I'm thankful that these forums exist. I will never make another major credit decision again without coming here and asking for suggestions/help/ideas first. This is a very valuable resource full of an extremely helpful community.

So true. Reading about trials and denials (stay away from approvals) keeps me from emotional apping (boredom, depression, app approval addiction ).

Re: Chase Freedom App.

Imperfectfuture — Sun, 22 Mar 2015 06:42:46 GMT

@gdale6 wrote:
@SecretAzure wrote:
@gdale6 wrote:
@SecretAzure wrote:
@gdale6 wrote:
@datrucking210 wrote:
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)
A charge off is the term applied when a creditor writes off a balance owed to them to their profit and loss statement.
So it's quite a bad blemish on one's report. Thank you for answering! This would be considered a "Baddie?"

Oh yes its a baddie...

So much so, the only card in my sig I got was capital one with baddies still there. My Alaska card started as secured, but they wouldn't unsecure until only small medical collections left (which I later got removed, on TU only, because didn't owe). Wanted semi prime reports (they are all now clean) for prime cards.