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Was denied for Chase Freedom

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Anonymous
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Was denied for Chase Freedom

Today I was denied for Chase freedom for having to new of a credit history after calling Recon line. My scores are EX 740, TU 744, EX 739. Would my chances be little for an Amazon Chase visa?

Message 1 of 10
9 REPLIES 9
Anonymous
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Re: Was denied for Chase Freedom

How old is your credit history?

Message 2 of 10
Anonymous
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Re: Was denied for Chase Freedom


@Anonymous wrote:

How old is your credit history?


7 months lol

Message 3 of 10
Anonymous
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Re: Was denied for Chase Freedom

My guess/experience would be no. But, who knows... it's possible with Chase. Smiley Happy

 

I applied for CFU in January, was approved. Then I read about 5/24, CFU was #5. I thought, they approved me for the CFU, no problem with Amazon Prime Visa, its not 5/24 bound. Ha...Problems! Oldest card is not old enough (10mo) recent new credit (Chase auto loan in Nov, Discover in Dec, CFU in Jan) but I was welcome to apply again if things changed. 

 

Oldest card is now 14mo, scores are even better than January. Amazon is calling me, sooo loudly! But, I'm going to try and wait till July, 6mo after CFU... and the Gold Delta that I got after being denied Amazon Prime. 

 

Message 4 of 10
Anonymous
Not applicable

Re: Was denied for Chase Freedom

Chase generally prefers applicants to have at least one year of credit history.  Given that, I'm not at all surprised that you were declined.

 


@Anonymous wrote:

@Anonymous wrote:

How old is your credit history?


7 months lol


 

Message 5 of 10
FinStar
Moderator Emeritus

Re: Was denied for Chase Freedom

As mentioned by others, your chances of getting approved for the Amazon Visa don't bode well OP.

Let your accounts age and build history over time.
Message 6 of 10
Anonymous
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Re: Was denied for Chase Freedom

Hold off as long as you can on AMEX Delta. I was approved but barely. 1k SL. I should have held off
Message 7 of 10
Anonymous
Not applicable

Re: Was denied for Chase Freedom

Waiting, really considering all aspects of a card... I could have done that better. But hey, I taught myself a really good lesson.

 

Amex GoldDelta was my "revenge card." Immediately, off the phone with Chase recon denial, straight to Amex. I had been preapproved for months, hadn't been interested... till Chase denial. I'm happy I got the 10k, but, as with "revenge" anything comes regret. It's a good card, good CL, but it's not one I needed. It only makes 5/24 one card further away. And, I still want AmazonPrime Visa.Smiley Wink

 


@Anonymous wrote:
Hold off as long as you can on AMEX Delta. I was approved but barely. 1k SL. I should have held off

 

 

Message 8 of 10
Anonymous
Not applicable

Re: Was denied for Chase Freedom


@AnonymousToday I was denied for Chase freedom for having to new of a credit history after calling Recon line. My scores are EX 740, TU 744, EX 739. Would my chances be little for an Amazon Chase visa?

If you were denied for one Chase product, I certainly wouldn't recommend apping for another.

Message 9 of 10
sjt
Senior Contributor

Re: Was denied for Chase Freedom

I would wait at least another 3 months before you apply for a Chase product.

 

 

American Express: Platinum Charge, Business Platinum, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Globe WLMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
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