topic Re: CHASE freedom denial! in Credit Card Applications

CHASE freedom denial!

meteogeo — Sat, 09 May 2015 06:18:20 GMT

Hello guys!

Here is my story:I applied for Chase Freedom and my application was declined. I called the back door number and I talked with 2 people.The 1st one although she was nice she siad there was nothing that could be done to approve my application and encourage me to reapply in a few months. The 2nd one was initially rude and said that I see that you called 2 hours earlier and talked with blah blah..... I tried to explain him my situation, why I am interested in freedom etc He put me on hold for a while and then came back and said that he still can not approve me.He mentioned the following reasons for declining my application: 1. short credit history, too many accounts open recently and high credit utilization(30%). I thanked him for trying and hung up.However I am gonna call them again tomorrow and i really hope that I will stay calm during the call cause i have the impression that they did a 2nd pull during the recon... (the 2nd person I talked to said that they pulled EX however today in the afternoon when I logged into my CK account I noticed that they also pulled TU). I am very pissed off cause very clealry I asked him if a recon will result in a new HP and he assured me that it won't. Anyway tomorrow In case they insist on denial or in case they will not remove the 2nd HP I will let them know that i will close my checking account with them-something that I will do.(I have set up a direct deposit of my salary there and also my employer (a well known university)has an affiliation with Chase).

I do not know my fico scores (fako scores CK 643 EQ and 649 TU). Cards: BofA cash rewards 8,000$( 4,000$ CLI 3 days ago with a HP), cap1 platinum 1,500$ (automatic 1000$ CLI on Sunday), Cap1 journey 500$, discover it 1,000$. My first CC was BofA opened in October 2014. (no other type of credit bf that-moved to the US in July 2014).

6 inq TU and EX now and 5 EQ, 7 months credit history

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 06:26:25 GMT

that is typical chase ! keep calling back! you will make it

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 06:36:28 GMT

Yes, Chase is a VERY strange animal. I got declined on 3 apps for Chase. SW, freedom and Marriott. I called once for SW talked to a super cool dude I was able to get approved for 2k that was 4 months ago. After I closed on my mortgage went on a app spree and applied for a few cards including freedom, I was initially declined called to recon then approved for 500 CL (woomp) .. But I still got it! Marriott card was declined even after I called 3 times to recon. I did tho call a few times to feel out the UW tone.. Some of those people hate their jobs and maybe their lives their so rude sometimes. You keep on trying!

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 06:51:49 GMT

Sorry to hear that, you'll get it!

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 10:29:15 GMT

@meteogeo wrote:
Hello guys!

Here is my story:I applied for Chase Freedom and my application was declined. I called the back door number and I talked with 2 people.The 1st one although she was nice she siad there was nothing that could be done to approve my application and encourage me to reapply in a few months. The 2nd one was initially rude and said that I see that you called 2 hours earlier and talked with blah blah..... I tried to explain him my situation, why I am interested in freedom etc He put me on hold for a while and then came back and said that he still can not approve me.He mentioned the following reasons for declining my application: 1. short credit history, too many accounts open recently and high credit utilization(30%). I thanked him for trying and hung up.However I am gonna call them again tomorrow and i really hope that I will stay calm during the call cause i have the impression that they did a 2nd pull during the recon... (the 2nd person I talked to said that they pulled EX however today in the afternoon when I logged into my CK account I noticed that they also pulled TU). I am very pissed off cause very clealry I asked him if a recon will result in a new HP and he assured me that it won't. Anyway tomorrow In case they insist on denial or in case they will not remove the 2nd HP I will let them know that i will close my checking account with them-something that I will do.(I have set up a direct deposit of my salary there and also my employer (a well known university)has an affiliation with Chase).

I do not know my fico scores (fako scores CK 643 EQ and 649 TU). Cards: BofA cash rewards 8,000$( 4,000$ CLI 3 days ago with a HP), cap1 platinum 1,500$ (automatic 1000$ CLI on Sunday), Cap1 journey 500$, discover it 1,000$. My first CC was BofA opened in October 2014. (no other type of credit bf that-moved to the US in July 2014).
6 inq TU and EX now and 5 EQ, 7 months credit history

For the Freedom card they frequently pull EX and TU at the time of application. It may have not shown up for a bit, looking like they did it during recon.

Re: CHASE freedom denial!

JSS3 — Sat, 09 May 2015 10:33:58 GMT

Every Chase app has resulted in a pull on EX and TU for me. It's not because you recon'd

Re: CHASE freedom denial!

elim — Sat, 09 May 2015 10:35:31 GMT

i don't think i would apply for anything, ever, without knowing my true fico scores.

give it a few months (6 months since last app is best), check the prequal and grab your chase card. good luck :]

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 11:04:40 GMT

@elim wrote:
i don't think i would apply for anything, ever, without knowing my true fico scores.

give it a few months (6 months since last app is best), check the prequal and grab your chase card. good luck :]

@I agree with @elim... What are your FICOs? Also, you have 30 days to recon with Chase so plenty of time to plan a strategy...

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 11:56:34 GMT

Making threats to close an account because your credit isnt up to their standards is a bad move. Just take some time, work on your profile and try again in 6 months.

Pestering them does not always yield results.

Re: CHASE freedom denial!

VinnyVee — Sat, 09 May 2015 12:23:57 GMT

I have to agree with Numberz. It comes of as petty when you go that route.

Your Credit Karma scores indicate some potential of a deragatory on your reports. Is there any information on that? And as others had said, your FICO scores will help evaluate the situation a bit more.

A bit of advise from myself is to get on of their other cards that are easier to get first. I had my Amazon Visa for 6 months to get 'in' with Chase. 7 months later I got my Freedom with over twice the limit, and moved half of my Amazon limit over to my Freedom.

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 12:37:36 GMT

I have a Chase Freedom, it was a double pull: TU and EX. My CK scores were much lower than yours, but they were not real close to my fico. I suggest you order a 3B repot to know where you truly stand.

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 15:53:47 GMT

@JSS3 wrote:
Every Chase app has resulted in a pull on EX and TU for me. It's not because you recon'd

Re: CHASE freedom denial!

Jerry45 — Sat, 09 May 2015 15:59:02 GMT

Same for me. I was double pulled by EX and TU for the Freedom. Luckily my approval was instant.

Re: CHASE freedom denial!

Jerry45 — Sat, 09 May 2015 16:02:45 GMT

This may be irrelevant, but I had the same situation with Barclay's last Summer. I was denied for the Arrival after being pre Selected on their old pre qualify site. Did a recon the next day and was given attitude by the Supervisor, after I told her I was not interested in a second HP. Of course they HP'd me anyways with second denial.

Chase pre qual site worked for me and is pretty solid

Re: CHASE freedom denial!

meteogeo — Sat, 09 May 2015 17:44:24 GMT

Thank you guys for your advice! I was thinking that may be it would be better to have my personal banker at my local Chase branch to call them and help me with that-what do u think guys? or I should try once more on my own first?

Btw I called one more time today morning but the person who pesponded was the same who did the recon last time and I hung up. Do you know if there is a recon center in each State or just one that serves the whole US? I was surprised that it happened to be the same person. (I am in San Diego in CA now for a meeting but I am going back to TX tonight so I was thinking that if I call from TX i might be more lucky with the recon center).

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 17:48:34 GMT

@meteogeo wrote:
Thank you guys for your advice! I was thinking that may be it would be better to have my personal banker at my local Chase branch to call them and help me with that-what do u think guys? or I should try once more on my own first?

Btw I called one more time today morning but the person who pesponded was the same who did the recon last time and I hung up. Do you know if there is a recon center in each State or just one that serves the whole US? I was surprised that it happened to be the same person. (I am in San Diego in CA now for a meeting but I am going back to TX tonight so I was thinking that if I call from TX i might be more lucky with the recon center).

I'd go in a Chase Branch and have the banker call on your behalf. Also, getting the same rep happens once in a blue moon so certainly strage. Remember, they work in shifts. So if you call in the evening, you will get someone else.

But go in the branch and have the banker call. Will keep fingers crossed for you.

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 17:54:43 GMT

GL !

Re: CHASE freedom denial!

jawbrkr — Sat, 09 May 2015 18:18:26 GMT

Ive been trying to get that chase freedom card myself. I was prequalified for that and the slate on their website but because of my pretty short credit history (2 months) I am hesitant to try for it now.

Re: CHASE freedom denial!

Jerry45 — Sat, 09 May 2015 20:39:08 GMT

That is a tough call. Chase is a very solid prequal. I am surprised they gave you that with only 2 months. Is the 2 months open accounts only, do you have any closed accounts on file?

Re: CHASE freedom denial!

Anonymous — Sat, 09 May 2015 22:21:42 GMT

Yeah good luck hopefully it turns out well for you, they can be pretty decent for a recon I've heard but don't get too bent out of shape about the double pull they probably did that from the very beginning, like others have said they commonly do a tu/ex double pull...I was instantly approved for $21k on the csp with scores over 800 and I got the same double pull