Chase Freedom and Discover It Denied

[Anonymous]

paying after due date but before late fee. idk if chase counts that but RBFCU does

[CYBERSAM]

"Current FICO 8: EQ 622 | EX 612 | TU 610"

That score is too low for either cards, improve it after 6 months and try again.

[Anonymous]

 Don't know of anyone who got approved for the Chase Freedom with those FICOs, but I know of someone who got the 7-10 day message with a FICO around 654, then had the card come in the mail a few weeks later with a limit of $1500.

Meanwhile, I just got denied for not enough history with a TU FICO of 706, called the reconsideration line, and was approved for $500.

Credit underwriting can be weird sometimes...

[Anonymous]

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@Anonymous wrote:

 Don't know of anyone who got approved for the Chase Freedom with those FICOs, but I know of someone who got the 7-10 day message with a FICO around 654, then had the card come in the mail a few weeks later with a limit of $1500.

Meanwhile, I just got denied for not enough history with a TU FICO of 706, called the reconsideration line, and was approved for $500.

Credit underwriting can be weird sometimes...

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Sometmes it can come down to if they are having a good day or bad day! However, with all joking aside I find a great attidude helps out a lot. As I'm sure they mus get some pretty angry phone calls. "MY CREDIT IS PERFECT AND I DEMAND YOUR CC!"

[Anonymous]

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@Anonymous wrote:

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@dragontears wrote:

If the scores in your signiture are current and your highest score is 622, I don't think you will have much luck getting either of these cards

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This.

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Yes.

[Anonymous]

My FICO wasn't that much better than yours, in NJ Chase pulled my TU which is almost spotless now.

But I received the 7-10 message for both Freedom (last week) and CSP (this morning).

I called recon: 888-245-0625 and was very friendly, eventually saying "I recently put in an application and received a 7-10 day message, I'm calling to see if there's anything on my end that needs to be done to help the process". After that, the person said there was a consumer alert or something to that effect and they needed the verification department. I was transferred to them and they needed to verify my phone number.

Long story short - I was approved for both Chase cards.

So, while it make seem bleak, it is worth a shot to call the recon line...no point entirely wasting the hard pull/inquiry without putting in a few extra minutes. I preferred calling right away as opposed to waiting for the letter or card to arrive.

Good luck!!

[Anonymous]

It seems I'm out of luck with my fico scores but the thing that gets me is this. According to all three, it's AAoA, thin file, and delinquencies that are on my student loans that I paid off. If I garden for 1 to 2 years the simulator says I'll be in the 700s but that won't fix the delinquencies or the thin file. Am I being unjust in my worry that they're expecting me to sit 7 years just to flush the lates?

[Anonymous]

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@Anonymous wrote:

My FICO wasn't that much better than yours, in NJ Chase pulled my TU which is almost spotless now.

But I received the 7-10 message for both Freedom (last week) and CSP (this morning).

I called recon: 888-245-0625 and was very friendly, eventually saying "I recently put in an application and received a 7-10 day message, I'm calling to see if there's anything on my end that needs to be done to help the process". After that, the person said there was a consumer alert or something to that effect and they needed the verification department. I was transferred to them and they needed to verify my phone number.

Long story short - I was approved for both Chase cards.

So, while it make seem bleak, it is worth a shot to call the recon line...no point entirely wasting the hard pull/inquiry without putting in a few extra minutes. I preferred calling right away as opposed to waiting for the letter or card to arrive.

Good luck!!

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Care to share your scores? Also what's the limit they gave you. Looking to apply this month for both Chase cards.

[Anonymous]

I called both. Chase explained the issues though sounded a little frustrated. Discover might as well have read a script. She supposedly even knew my app without social or app ID and kept repeating can't make a decision at this time.

[Anonymous]

Amex shows a FICO of 640, beyond that I have no idea right now. I just know TU is almost clear with EQ and EX bringing up the rear in my repair efforts.

AAoA is pretty good

Freedom $4.5k

CSP $5k

Chase pulled TU for Freedom, I haven't yet received an alert for the CSP pull as I applied this morning.