topic Re: Chase Freedom in Credit Cards

Chase Freedom

Anonymous — Tue, 26 Aug 2014 23:09:53 GMT

Hey all, hope your day is going well! While getting all caught up in the feeling of seeing that "APPROVED!" page, I applied for Chase Freedom during my mini coming out of terrible credit app spree. I was given the 7-10 day message and ultimately denied. I know, I know, I probably shouldn't have applied. But, I did, and whats done is done (right?). Anyways, I tried recon and was told that they can't offer me the card because I haven't re-established my credit with other cards yet. Should I try again? Possibly tell them I'd take a miniscule credit line just to get my foot in the door with them? Anything you guys got will help.

Re: Chase Freedom

chalupaman — Tue, 26 Aug 2014 23:12:06 GMT

Perhaps you should work on getting your FICOs up and trying again in a couple of months. How long have you had your current cards?

Re: Chase Freedom

Anonymous — Tue, 26 Aug 2014 23:25:19 GMT

@chalupaman wrote:
Perhaps you should work on getting your FICOs up and trying again in a couple of months. How long have you had your current cards?

Thank you, and I agree, that's what I'm trying to do. I did acknowledge my mistake in applying to begin with, however you cannot harp on what has already happened. What's done, is indeed, done. That said, any advice?

Re: Chase Freedom

myjourney — Tue, 26 Aug 2014 23:29:09 GMT

Are all the cards in your sig new and are you primary on accounts?

Re: Chase Freedom

Anonymous — Tue, 26 Aug 2014 23:30:01 GMT

Some new, some not so new. Not sure what you mean on your second question.

Re: Chase Freedom

myjourney — Tue, 26 Aug 2014 23:32:01 GMT

None of those are AU accounts (primary) = yours

Whats new i'm guessing secured cards are oldest but just guessing

Re: Chase Freedom

Skye12329 — Tue, 26 Aug 2014 23:39:12 GMT

Chase does not take AU into factor if you are one. They also like to see a AAOA of 6-12 mos. The new accounts possibly lowered your AAOA below that mark. Depending what your AAOA is.

Re: Chase Freedom

Anonymous — Tue, 26 Aug 2014 23:36:00 GMT

Ohh gotcha. Yeah those are mine, not AU. My average age of accounts is 3.5 years rights now. I'm guessing recent inquiries probably played a factor as well.

Newest cards are AMEX (one pull) and Sallie Mae, just this month.

Re: Chase Freedom

Skye12329 — Tue, 26 Aug 2014 23:38:44 GMT

Have you tried calling to see if they could recon it?

Re: Chase Freedom

myjourney — Tue, 26 Aug 2014 23:38:52 GMT

@Anonymous wrote:
Ohh gotcha. Yeah those are mine, not AU. My average age of accounts is 3.5 years rights now. I'm guessing recent inquiries probably played a factor as well.

Recon again on the premise you want to establish a relationship with them most of all.....based on being the best rewards system from your research

Good luck I'll be pulling for you

Re: Chase Freedom

Anonymous — Tue, 26 Aug 2014 23:43:03 GMT

Thanks, I will try again. Hopefully I can get it to work. No more inquiries for me until this time next year probably, and only if its something that suits my wants and needs.