CHASE freedom denial!

[meteogeo]

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

[Anonymous]

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

[Anonymous]

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!

[Anonymous]

Sorry to hear that, you'll get it!

[Anonymous]

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@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

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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.

[JSS3]

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

[elim]

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   :]

[Anonymous]

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@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   :]

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@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... 

[Anonymous]

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.

[VinnyVee]

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.