topic Re: Chase Freedom 7 to 10 day message in Credit Cards

Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 03:44:06 GMT

I hate when i app for a card after the recon lines are closed.

I couldnt help myself, i struggle to stay in the garden. I apped for freedom, got the message and an instant alert on my tu.

My tu account has 1% utilization, 5 inquires, a paid charge off and two collections from 2008.

My tu score is 667. Think i will have a
Good chance when i call tomorrow for getting approved?

Re: Chase Freedom 7 to 10 day message

OHWWCB — Wed, 20 Aug 2014 03:48:05 GMT

What does your file look like? I've read many times over that Chase doesn't like thin files.

Re: Chase Freedom 7 to 10 day message

AvadaKedavra — Wed, 20 Aug 2014 03:49:07 GMT

What other cards do you have. What are their limits and age?

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 03:55:36 GMT

CapitaloneOne Quicksilver One card 2k limit opened March 2012

Capitalone Platinum MC 2k limit opened Sept. 2012

Bank of America Cash Rewards Platinum Visa - 3k limit Open Oct. 2013

Barclay Visa- 1100 limit opened March 2014

Target Redcard - 300 limit opened 8/2013

Amazon store card 1k limit opened 8/2013

QuicksilverOne opened November 2011 3k limit

Kohls store card opened Nov. 2003, 2k limit

AAOA is 4 years, credit history is 11 years.

Re: Chase Freedom 7 to 10 day message

AvadaKedavra — Wed, 20 Aug 2014 04:02:47 GMT

@ddemari wrote:
CapitaloneOne Quicksilver One card 2k limit opened March 2012
Capitalone Platinum MC 2k limit opened Sept. 2012
Bank of America Cash Rewards Platinum Visa - 3k limit Open Oct. 2013
Barclay Visa- 1100 limit opened March 2014
Target Redcard - 300 limit opened 8/2013
Amazon store card 1k limit opened 8/2013
QuicksilverOne opened November 2011 3k limit
Kohls store card opened Nov. 2003, 2k limit

AAOA is 4 years, credit history is 11 years.

Not bad. As long as all of those accounts have been paid as agreed the only thing I can see them saying is those collections need to come off. They are pretty old so I don't know how much of a factor they'll play but Chase can be unpredictable. If approved, they probably wouldn't give you a large CL. Definitely worth a shot to call tomorrow. I applied for mine in July, got the 7-10 day message, kept calling and they said it was in another department and I'll know whin 30 days. About a week later I logged into my Chase banking account and saw my credit card listed there. Keep us updated.

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 04:05:16 GMT

Thanks for the reply! I live in Illinois and chase usually pulls TU and EX, I did not get an alert yet from EX but TU immediately upon the hard pull.

If i call for a recon, can i ask they use the TU report?

Re: Chase Freedom 7 to 10 day message

AvadaKedavra — Wed, 20 Aug 2014 04:09:31 GMT

Someone please correct me if I'm mistaken, but if they pulled both TU and EX they used both to determine your eligability for approval. If you're borderline and one is significantly better then they other they may offer you credit. If not, then you'll have to wait and try again. Asking them to only use on report after they already considered info from both won't do you any good.

(again, if anyone has had different expereinces, please share. This is what I was once told by a CSR)

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 04:12:29 GMT

that makes sense I was just curious because when I applied for the slate card last year. I called in for a recon after I received the denial letter and the csr did a recon and denied me for high balances and sent me another denial letter, this time using my TU enhanced bankcard fico 250-900 range instead of traditional fico and it was not an additional hard pull

Re: Chase Freedom 7 to 10 day message

AvadaKedavra — Wed, 20 Aug 2014 04:18:17 GMT

Interesting. Well give them a call tomorrow. It can't hurt to ask. Definitely let us know how it goes.

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 04:19:37 GMT

for sure I will let you know! I just went over my CRA reports so I am ready for them!

Re: Chase Freedom 7 to 10 day message

techiegirl — Wed, 20 Aug 2014 04:24:00 GMT

I received a 7-10 day message when I applied for my card last year. It turned out they just wanted my driver's license and another form of id.

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 04:25:30 GMT

I would LOVE if that were the case! lol

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 11:45:15 GMT

I called the recon this am and the man told me to call the verification department at 9 am

Re: Chase Freedom 7 to 10 day message

Anonymous — Wed, 20 Aug 2014 12:18:25 GMT

You've probably gotten it then. When I applied for Freedom i also received the 10 day message, but called immediately and it was a matter of an address issue and after validating who I am and answering a few questions I was approved for $1K. So yeah...they sure don't give much starting out, but at least its a foot in the door. My scores were like 675 average at the time and no baddies on report. AAoA 8 months with oldest CL being 6 years.

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 13:46:20 GMT

Approved 3k!!! Just needed to verify address!!! Im so happy!!

Re: Chase Freedom 7 to 10 day message

ezdoesit — Wed, 20 Aug 2014 13:53:24 GMT

@ddemari wrote:
Approved 3k!!! Just needed to verify address!!! Im so happy!!

Congrats. I doubt though they just pulled TU I would assume they pulled EX also. Not a big deal IMO as long as you got the card you wanted. Did you go on Chase's pre qual site first?

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 14:03:43 GMT

I checked on Experian and yes they did pull both, TU and EX. They did not use the Experian report though, thank god cause that is my leave favorable. They used a TU enhanced fico 08 transunion bankcard because I asked her what my score was and she said 700 which is not myfico TU score.

Anyways, thank you everyone I am so happy!!! NOw in the garden till March 2014!

Re: Chase Freedom 7 to 10 day message

ddemari — Wed, 20 Aug 2014 14:06:44 GMT

Also, I was not prequalified

Re: Chase Freedom 7 to 10 day message

Jerry45 — Wed, 20 Aug 2014 14:36:41 GMT

You have a nice portfolio of aged CL's. Stress that for recon, but I think this a simple Verification problem. Maybe with your address etc.. Good Luck

Re: Chase Freedom 7 to 10 day message

Jerry45 — Wed, 20 Aug 2014 14:38:27 GMT

Congrats!!!