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Chase Freedom 7-10 message....

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benitosolo04
Valued Member

Chase Freedom 7-10 message....

Applied tonight for the Chase Freedom and got the 7-10 day message... Got approved last week for the CapitalOne Venture card 5K limit... which I had the same message and all capone needed was some info faxed.. Chase pulls EX per Credit pull database which is one of my better scores so i guess we will see, really want to use that 0% BT for 15 months. Anyone else have success on recon or with this issue? EX = 668 with no baddies just some UTLI... i do have a fraud alert that i need to get removed on EQ so i guess if they pulled that, that might be the reason but yet again.... no alerts yet


AU:(2/28/15 Starting FICO's EX= 685 TU= 689 EQ= 683 Goal=750 GARDEN- 3/3/2015 Last APP- 3/3/15)
Message 1 of 8
7 REPLIES 7
chalupaman
Super Contributor

Re: Chase Freedom 7-10 message....

Did you check the automated line yet?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 8
Xistaben1
New Member

Re: Chase Freedom 7-10 message....

I would def recon when you can.  Make the most of your HP.

 

I got the 7-10 message with similar scores and my recon was successful.

 

good luck!

Message 3 of 8
benitosolo04
Valued Member

Re: Chase Freedom 7-10 message....

I did call the line right after and said under review blah blah

I've never recon'd before what all do they ask and what do you say for best results?

AU:(2/28/15 Starting FICO's EX= 685 TU= 689 EQ= 683 Goal=750 GARDEN- 3/3/2015 Last APP- 3/3/15)
Message 4 of 8
BeeH11
Regular Contributor

Re: Chase Freedom 7-10 message....

Definetly call the recon line. I got 7-10 day message with my southwest card and then was approved w/ no call. I was to chicken to call cuz I had high untilization & thought for sure it was a denial. For my CSP card I also got the 7-10 day message. Called recon line immediately. Call took 20 minutes w/ 2-4 of actual conversation (rest was on hold). While I was on hold, I got an e-mail that said thanks for your app, we'll mail you a decision in the next 30 days (I'm assuming that would have been a denial). The Chase rep came back online and approved me for a very large limit. I was stunned. She didn't ask me any questions other than my personal info but I was ready to answer questions about why I wanted that card.

Chase Sapphire Reserve. Chase Freedom Unlimited. Amex Gold. Amex Everyday. Discover It. Capital One QuickSilver. Bloomingdales. Victoria Secret.
Message 5 of 8
mitchblue
Valued Contributor

Re: Chase Freedom 7-10 message....

3 CC apps in Decemeber, all 3 got the 7-10 message. All 3 approved..Only one I had to answer a couple questions, the other two it showed up approved a day later. YMMV but I wouldn't worry about a 7-10 message. My best CL are from 7-10 day messages.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 6 of 8
Anonymous
Not applicable

Re: Chase Freedom 7-10 message....

I initially got the 7-10 days message when I applied for my Chase Freedom in December.

 

I called the recon number listed in the sticky around here, answered a couple of verification questions (name, DOB, SSN, etc.), she put me on hold for a couple of minutes, then came back and told me I was approved. I suspect it was verification due to a thin file.

Message 7 of 8
TURNERHOOVER
Established Contributor

Re: Chase Freedom 7-10 message....

Not sure if this matters much but Chase pulled EQ for me, I'm in Southern California. 

EX 727 | EQ 720 | TU 740

FREEDOM 4.5k | BCP 9.5k | DISCOVER 2.5k | ARRIVAL+ 7.5k | RITZ CARLTON 15k
No new Apps till Dec 2016
Message 8 of 8
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