I decided to app for the Chase Freedom card since I had nothing better to do. I was expecting an auto decline but to my surprise it said my application needed more time to be reviewed. What can I expect and should I call and ask. is there a particular number to call?
AU:
@baller4life wrote:
888-245-0625 (Credit Analyst - Recons)
Thanks for the number. I'll be calling right now!
Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
@gdale6 wrote:
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)
Must garden until 2/1/2022 to hit my goal AAOA. 
@gdale6 wrote:
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.
@datrucking210 wrote:
@gdale6 wrote:
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.
I'm thankful that these forums exist. I will never make another major credit decision again without coming here and asking for suggestions/help/ideas first. This is a very valuable resource full of an extremely helpful community.
@SecretAzure wrote:
@datrucking210 wrote:
@gdale6 wrote:
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
Dummy me should've read more here instead of jumping the gun and thinking I had a chance. Oh well leason learned.
I'm thankful that these forums exist. I will never make another major credit decision again without coming here and asking for suggestions/help/ideas first. This is a very valuable resource full of an extremely helpful community.
Yes it is!
@SecretAzure wrote:
@gdale6 wrote:
@datrucking210 wrote:Called and sure enough my app was declined. Rep mentioned BK in 08 and one chase charge off, my parents used it then divorce but ultimately it was my account so my debt. I didn't try to recon since I was in a hurry to go out but will try again and maybe the second rep can see past those two things and approves me.
If you have a Chase CO on the report now you are not going to be approved, you will have to wait for it to drop off,
What's a charge off? (CO)
A charge off is the term applied when a creditor writes off a balance owed to them to their profit and loss statement.