thanks for the quick reply and welcome, havent received the letter in the mail yet if that's what you mean. Never taken on a Loan, i did forget to mention i had a capital one unsecured at $300 last year which was closed because of a returned payment(this was when i had just turned 18 and wasn't quite financially stable, had money in my bank but ended up withdrawing what was left due to an emergency all while being too late to cancel the payment :l), on my report it showed closed by credit grantor (fully paid off with no late payments ofcourse) of which i disputed to have it listed as a close requested by me, that got resolved fortunately in my favor. Think this may be why? capital one and the discover it are the only 2 cards i've ever had/have currently.
Chase typically wants 12 months of history, which you have, but it sounds like you need more experience in their eyes. You can try calling again to recon with someone different. Ignore their mailers, a 3rd party sends them out so they can't be relied on. You should be good to go with amex though. Try their prequal.
I too had a thin file, its still actually thin according to Transunion, like everyone says here Time is your Friend. Don't be too disappointed and afraid to try again in the future. Grow your current cc profile and if possible get an installment/car loan to create a diversified profile.
thanks for the replies guys, so to be crystal i should be diversifying to installment loans before coming back and seeking more revolving credit?
As you can see credit scores are not the only factor that goes into credit approvals.
Chase wants to see more history, keep using and paying your discover card and maybe try again in 6 months.