Chase Freedom denied me but I have 738 FICO and 723 TU, how to argue? need help

[Anonymous]

Somebody could help me? I applied Chase freedom and United mileage  one week ago, but denied. However, at the same time, I applied the Amex Blue cash prefered and got approved at 5.5K. I called the Chase backdoor number and they told me I do not have enough credit card and the credit history is not long enough. I just have one discover credit card and keep for 11 months now. My fico score is 738 and Tu is 723. My friends, who have smaller scores than me and the same history, get approved. I do not know why? and How should I argue with the Rep to get my cards approved? Thanks.

[Anonymous]

AAoA.

[Anonymous]

What's the meaning of AAoA?

[CreditCuriosity]

Average age of account = AAoA...  Chase likes to see over a year typically.

[Anonymous]

Yep. While AMEX, Discover tend to like thin but squeaky clean files.

[Anonymous]

I have 11 months at present close to 1 year, If I want to call the reconsideration phone, what should I say?

[Anonymous]

I have 11 months at present close to 1 year, and have enough scores, but If I want to call the reconsideration phone, what should I say?

[FinStar]

Your scores alone are not going to be a saving grace OP.  They are formidable for a thin profile, sure.  However, as others have mentioned AAoA is going to be a primary deterrent for Chase with your current profile.  You can't compare your profile to others since no two profiles are alike.  And, there have been situations in which Chase has approved some with less or similar historical profiles but all we can do is provide recomendations, Chase is ultimately the one who will make the lending decision. 

If your profile was thicker or more established, then you can use that as leverage - even perhaps a depository relationship.  Maybe others who have similar experiences can provide more feedback.  You definitely don't want to limit your options with a very low CL and unfavorable pricing terms - up to you though.

[Yodah]

+1^^^^^^  Wait until your AAoA gets over a 1yr.... or maybe just a little longer.  You don't want to squeeze by and get a low limit, if the recon is successful.  I got my Freedom in Nov, and CSP in December with new accounts and new inq's showing up, without any PreQualify offers...... I want the Marriot Card but my AAoA has taken a beating from the new accounts,  Also they only pulled EXP for me here in NC on both approvals

[Anonymous]

Thanks for your kind reply. I applied for the united mileage because I have a long trip soon. I knew somebody did get approved with short history just like mine. If I want to call the reconsideration phone, which aspects I can argure from? Soon, I will have my Amex blue cash prefered card, which may would add some points in my credit history.