Chase chance

[Anonymous]

Hello. I recently applied for Chase Freedom card and yesterday I received denial letter with: too many accounts opened in 2 years. I forgot about my 5th authorized user credit card which I was using for work.
My Experian Fico score is 640.
Next month one of my credit cards will be 2 years and now I am wondering if I will be approved or they will look into my baddies and I will be denied?
I have 6 student loans which have been consolidated.

[Meanmchine]

What were the other denial reasons?

Were they resolved?

[Anonymous]

I would wait until your score is 680+ and any late payments are at least a year or more old. If you get a 5/24 rejection then, call them and explained that they are AU cards. But, it won't be worth the inquiries until you're closer to 700. 

[pinkandgrey]

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@Anonymous wrote:

I would wait until your score is 680+ and any late payments are at least a year or more old. If you get a 5/24 rejection then, call them and explained that they are AU cards. But, it won't be worth the inquiries until you're closer to 700. 

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Agreed. 640 sounds a little low for Chase.