Chase Freedom denied

MauiMan85297 · ‎01-07-2016

Just back from vacation and received my denial letter from the Freedom card I apped for back in mid Dec, the letter stated only one reason, bankruptcy! (which was discharged 12/14). Since then I have been approved on my own for $300 Kohls $600 Credit One and 3k and 10k from Cap 1 and AU for Cap 1 for $2250 (account is 18 mos old). Should I recon this Chase denial and if so what number to call and what to say.

The only reason I went for this card is because I want relation with Chase as we have checking and savings with them and send about 7-8k a month through their bank.

Scores presently are Eq 651 TU 634 Ex 602 (602 was on the denial letter), also odd they pulled EX when many posts say they pull EQ and TU. Any insight would be appreciated.

TrialByFire · ‎01-07-2016

Sorry for your denial OP. You're only 1 yr out of BK and have a low score for that product so I can definitely see why they denied you and imo recon won't help. Typically they will pull EX and might pull one of the other 2 in addition. Did you include Chase in your BK? You're doing great so far on your rebuild 2 thumbs up on that one. I just think you're trying to do too much at once. Grow what you have, and now that you have unsecured cap1 close that credit one.

Anonymous · ‎01-07-2016

Sorry to hear.. Was Chase included in the BK?

MauiMan85297 · ‎01-07-2016

I've never had a Chase product, so no it wasn't included. My utilization at app time was about 11%

Anonymous · ‎01-07-2016

Seems like a justified denial 1 yr out of BK for one of their premium cards. It doesn't hurt to recon, but I don't think it will do much for you.

Scupra · ‎01-07-2016

Chase auto declines with BK on report. You have to recon if you want the card

Anonymous · ‎01-07-2016

If the BK was the only issue I'd say recon. However, your scores are kind of low as well(for chase, in my experience) so I'm not sure a recon would help.

MauiMan85297 · ‎01-07-2016

@Scupra wrote:
Chase auto declines with BK on report. You have to recon if you want the card

I've seen the number to call for verification, is it the same to recon?

Scupra · ‎01-07-2016

@gsully00 wrote:
@Scupra wrote:
Chase auto declines with BK on report. You have to recon if you want the card
I've seen the number to call for verification, is it the same to recon?

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

Call and tell them you would like to recon. Be ready to answer questions about the BK with confidence. I would make sure to add what you have done to prevent another BK. Good luck!

MauiMan85297 · ‎01-07-2016

@Scupra wrote:
@gsully00 wrote:
@Scupra wrote:
Chase auto declines with BK on report. You have to recon if you want the card
I've seen the number to call for verification, is it the same to recon?
Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

Call and tell them you would like to recon. Be ready to answer questions about the BK with confidence. I would make sure to add what you have done to prevent another BK. Good luck!

Thank You