Denied Chase FU recon tips?

[Anonymous]

So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.

[Anonymous]

Before recommending if you should recon, what are your scores and what cards do you have?  Can you list the limits also?

[BronzeTrader]

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@Anonymous wrote:

So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.

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The FU is a Visa Signature card and it has a $5k minimum CL. That was what I was told with a Chase Recon rep. You can certainly drop the CL below $5k, but that is the requirement at application. So most students do not qualify. 

[Anonymous]

My Freedom unlimited is not signature and started at 3k. Auto cli to 4k at 4 months. Have not heard of this card requiring 5k limit. It's been said many times about the csp though.

[Anonymous]

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@BronzeTrader wrote:

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@Anonymous wrote:

So I app'd and got the dreaded 7-10 message, called and recon'd once and the guy told me that it's because my credit history isn't very long on my current cards (10 months on my longest card, 4 months on my second) asked if he could do anything and he rolled his eyes and said no.

Would it be worth calling the backdoor # again, hoping I get someone better and explaining that yes my longest card is only 10 months but that between that, my auto loan, and my second card that I have always paid my cards in full every month with no missed payment and never carry a large balance?

If not then i'll just garden for a few months and try them again in the new year, as I am in no rush for more credit, just wanna get my foot in the door with chase.

EDIT: To clarify he told me that the system flagged it as short credit history and he wouldnt be able to do anything even if he wanted too.

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The FU is a Visa Signature card and it has a $5k minimum CL. That was what I was told with a Chase Recon rep. You can certainly drop the CL below $5k, but that is the requirement at application. So most students do not qualify. 

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Thats incorrect.  There are people who have a $500 limit so the rep. is wrong.

[BronzeTrader]

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@Anonymous wrote:
My Freedom unlimited is not signature and started at 3k. Auto cli to 4k at 4 months. Have not heard of this card requiring 5k limit. It's been said many times about the csp though.

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I just relay what the rep said. He certainly could be wrong. I've seen UL card as Visa, not the Signature Visa.

[Anonymous]

@Yes-Its-Me

Sure can!

723-726 across all three bureaus, no negatives. 

Card #1 Capital One $500 limit since Feb

Card #2 AMEX BCE $12K Limit since august.

[Anonymous]

@BronzeTrader I have never heard of it being a visa signature only card, I read that a lot of people got started with very low limits on it.

[Anonymous]

Fact: the Chase Freedom Unlimited is available as a Platinum or Signature version. You can often start with the Platinum version and as your CL equals $5K request to upgrade to the Signature version.

[Anonymous]

Got the denial letter today, they pulled Equifax of 739 and denied for "not enough accounts opened long enough to establish a credit history"

Any chance that this can be recon? I've read conflicting reports.