Denied for Chase Freedom. Should I try for Southwest or Marriott Co-Brand Card?

[Kiki901]

I applied for the Chase Freedom on 3/3 and was denied due to the 5/24 rule. That was my one and only reason for denial. 

This resulted in 2 hard inquiries...Equifax and Experian.

My understanding is that co-branded cards such as the Southwest and the Marriott cards are not subject to the 5/24 rule..as of yet.

If I apply for a co-branded card, would it result in additional HPs? Anyone have any experience with a similar situation?

Thanks!

[Anonymous]

Sorry about the denial.  It will result in addtional hardpull [s]. If I may, what are your scores and how does your credit profile look like?  Do you have any Chase cards now? Chase relies heavily on their internal score for approvals..

[Kiki901]

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@Anonymous wrote:

Sorry about the denial.  It will result in addtional hardpull [s]. If I may, what are your scores and how does your credit profile look like?  Do you have any Chase cards now? Chase relies heavily on their internal score for approvals..

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My Equifax FICO is 674, Experian is 702. My utilization is around 8% on cards. I have Capital 1 Venture ($4k) and Quicksilver ($3k), Bank of America Travel Rewards ($6k), AMEX ED ($1K), 1 collection ($300 unpaid), 1 student loan, and a car loan. Everything is current. No lates. I have about 20 inq for EQ and 14 for EX. 

My mom added me as AU on several accounts in the past 6 months....that's what counted account me mostly.

[Anonymous]

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@Kiki901 wrote:

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@Anonymous wrote:

Sorry about the denial.  It will result in addtional hardpull [s]. If I may, what are your scores and how does your credit profile look like?  Do you have any Chase cards now? Chase relies heavily on their internal score for approvals..

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My Equifax FICO is 674, Experian is 702. My utilization is around 8% on cards. I have Capital 1 Venture ($4k) and Quicksilver ($3k), Bank of America Travel Rewards ($6k), AMEX ED ($1K), 1 collection ($300 unpaid), 1 student loan, and a car loan. Everything is current. No lates. I have about 20 inq for EQ and 14 for EX. 

My mom added me as AU on several accounts in the past 6 months....that's what counted account me mostly.

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Ok.. How old is your credit file? When did you apply for the Chase Freedom? Are these all AU accounts?

[Kiki901]

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@Anonymous wrote:

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@Kiki901 wrote:

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@Anonymous wrote:

Sorry about the denial.  It will result in addtional hardpull [s]. If I may, what are your scores and how does your credit profile look like?  Do you have any Chase cards now? Chase relies heavily on their internal score for approvals..

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My Equifax FICO is 674, Experian is 702. My utilization is around 8% on cards. I have Capital 1 Venture ($4k) and Quicksilver ($3k), Bank of America Travel Rewards ($6k), AMEX ED ($1K), 1 collection ($300 unpaid), 1 student loan, and a car loan. Everything is current. No lates. I have about 20 inq for EQ and 14 for EX. 

My mom added me as AU on several accounts in the past 6 months....that's what counted account me mostly.

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Ok.. How old is your credit file? When did you apply for the Chase Freedom? Are these all AU accounts?

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File is a little over 11 years old. The accounts listed above are my own accounts. The account my mom added me to as AUs are fairly new (all less than a year), but with good payment history and utilization. My AAoA is 8 years, with my student loan being the oldest. My oldest cards are the Cap1's which are almost 5 years old. I applied on 3/3.

[Anonymous]

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@Kiki901 wrote:

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@Anonymous wrote:

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@Kiki901 wrote:

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@Anonymous wrote:

Sorry about the denial.  It will result in addtional hardpull [s]. If I may, what are your scores and how does your credit profile look like?  Do you have any Chase cards now? Chase relies heavily on their internal score for approvals..

---

My Equifax FICO is 674, Experian is 702. My utilization is around 8% on cards. I have Capital 1 Venture ($4k) and Quicksilver ($3k), Bank of America Travel Rewards ($6k), AMEX ED ($1K), 1 collection ($300 unpaid), 1 student loan, and a car loan. Everything is current. No lates. I have about 20 inq for EQ and 14 for EX. 

My mom added me as AU on several accounts in the past 6 months....that's what counted account me mostly.

---

Ok.. How old is your credit file? When did you apply for the Chase Freedom? Are these all AU accounts?

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File is a little over 11 years old. The accounts listed above are my own accounts. The account my mom added me to as AUs are fairly new (all less than a year), but with good payment history and utilization. My AAoA is 8 years, with my student loan being the oldest. My oldest cards are the Cap1's which are almost 5 years old. I applied on 3/3.

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Ok.. How many new AU accounts where you added on and does that include any Chase cards?  Also, how many new accounts have you had in the last 2 years excluding AU accounts? I asked these questions because you have 30 days to get a Chase card approved from date of denial.  So based on your responses to these question, you might have an argument here..

So carry on with the answers..