I was trying to be in Garden from few days after getting 10+ HPs & refusals in last 30 days from various places.
I am new to US & got discover secured & C1 Plati as first two cards & first two apps. After that, wanted to get more credit card for usable limits, applied here & there, but got refused from everywhere. Found about Amazon Credit Builder card Unsecured & Secured; applied & of couse got refused. In between somewheer I also had applied for Chase Card.
From this forum found about the Bank Reconsideration Lines; got Chase's recon line; called & explained her why I need it?
- My salary comes in Chase Checking & ACH from Chase to Discover takes 7-8 days, for Discover CC payment. I will be able to pay Chase CC immideatly.
- Discover & C1 have smaller limits, I have to pay 3-4 times in a month just to use them in day-to-day things.
- Chase Freedom Unlimited also give rewards.
- New inquires are because of my attempt to get a decent CL for daily life. I am not ready to get any card with Annual Fees or like Credit One types (where intrest starts from the day of posting, no grace period).
- In my brief & thin file, I have always PIF every month as well as 3/4 times again in between.
- A week or few days before statement issue date I am not able to use both cards as any balance like $100/$150 will put me over 30% utilaztion. I also can not pay before txns have been posted.
She said she understands & she will go check things. Asked me if I want Paypal card OR Amazon Card Or card from Chase direct (All of these were on my report as HPs). She verified my details again, asked questions about household income & asked me to hold & few minutes later said the Magic Words $1000 Chase Freedom UL is approved. Well spend 57 minutes on phone on my off-day.
