Amazon Prime Visa via Chase, denied?

[Anonymous]

I was recently denied for the Amazon Prime Visa Rewards card for "not enough accounts opened long enough to establish a credit history," so says a letter from Chase.

I'm 26 and have my Bank of America Visa Signature since 2009. Never missed a payment and have used it for at least $10k worth of purchases. I also have a Macy's credit card. Using their credit rating system I scored a 865 out of 900. Is this that hard of a card to be approved for? I thought I'd be a shoo-in.

[fltireguy]

This seems to be the easiest Chase card, as far as approvals

You should absolutely recon this denial - based on what you have stated, I can't see a reason they wouldn't overturn the denial. Use the backdoor number in the sticky and call Chase Lending

[Meanmchine]

If all you have are two accounts, your file might be too thin for them, regardless of how long they are open. GL on the recon

[thummel]

I would defiently try to recon with them and try to get it overturned. Just sounds like a generic denial from a computer.

[Anonymous]

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@Meanmchine wrote:

If all you have are two accounts, your file might be too thin for them, regardless of how long they are open. GL on the recon

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I was approved at Chase for the FU and I only had my secured Disco. If OP has an 865 FICO 9 he shouldn't have any issue.

Good luck OP!

[Anonymous]

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@fltireguy wrote:
This seems to be the easiest Chase card, as far as approvals

You should absolutely recon this denial - based on what you have stated, I can't see a reason they wouldn't overturn the denial. Use the backdoor number in the sticky and call Chase Lending

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I agree. Recon this and get your approval. 

[sjt]

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@Anonymous wrote:

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@fltireguy wrote:
This seems to be the easiest Chase card, as far as approvals

You should absolutely recon this denial - based on what you have stated, I can't see a reason they wouldn't overturn the denial. Use the backdoor number in the sticky and call Chase Lending

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I agree. Recon this and get your approval. 

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+++111

You should definitely recon because there is an excellent chance you would be approved.

[SecretAzure]

That sounds very strange. Are you using your exact same name? I know some get married and start applying under a different last name and this can cause issues. Your profile seems fine...I would do as everyone says and recon.

[Anonymous]

Recon

[Creditplz]

Call and recon, what does the letter say your score is? Chase uses their own risk model.