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Chase Freedom DENIED but WalMart CC APPROVED!!!

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kpresod
Regular Contributor

Chase Freedom DENIED but WalMart CC APPROVED!!!

So after reading the success stories of all the Chase Freedom card holders, knowing that I should continue to garden. I had the itch to app for the Chase Freedom CC. I did and was told that my app needs further review before approval. I called Chase's recon dept. The representative told me that in order for her to approve my app I need to establish more time at my new job, and to continue to build my report a bit more before approval (whatever that means), but sorry she must deny me at this very moment.

 

Moving on, didn't want to frustrate myself too much, so I then loaded Walmart's website, and app for their CC, and I was instantly approved $500 CL. Even though my main focus was actually acquiring the chase freedom card. Walmart does come in handy with those Fico Monthly scores. Satisfied I am Smiley Very Happy!!!!

Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!

Congrats! Smiley Happy

 

I, for one, like my Walmart store card. I do shop there frequently and the free FICO score is definitely an added perk Smiley Wink

Message 2 of 8
LS2982
Mega Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!


@kpresod wrote:

So after reading the success stories of all the Chase Freedom card holders, knowing that I should continue to garden. I had the itch to app for the Chase Freedom CC. I did and was told that my app needs further review before approval. I called Chase's recon dept. The representative told me that in order for her to approve my app I need to establish more time at my new job, and to continue to build my report a bit more before approval (whatever that means), but sorry she must deny me at this very moment.

 

Moving on, didn't want to frustrate myself too much, so I then loaded Walmart's website, and app for their CC, and I was instantly approved $500 CL. Even though my main focus was actually acquiring the chase freedom card. Walmart does come in handy with those Fico Monthly scores. Satisfied I am Smiley Very Happy!!!!


Congrats!!!!




EQ FICO 548 3/3/16
Message 3 of 8
bichonmom
Senior Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!

Congrats! It's really nice to get your TU FICO every month. Smiley Happy

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 4 of 8
luvsandyshores
Regular Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!

I had the opposite problem.  Walmart denied me, but Citi approved me.  Go figure.

CH13 confirmed 1/2016
Message 5 of 8
LS2982
Mega Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!

@luvs That is weird.......what were GE's denial reasons?



EQ FICO 548 3/3/16
Message 6 of 8
luvsandyshores
Regular Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!

LS, I forget.  I think "too many recent accounts" was in there somewhere.  It was a while ago and I didn't keep the letter.  I only applied because I thought it would be a sure thing, and I'd get my TU score.  Poor reasons, so karma probably had a hand in the denial.

CH13 confirmed 1/2016
Message 7 of 8
LS2982
Mega Contributor

Re: Chase Freedom DENIED but WalMart CC APPROVED!!!


@luvsandyshores wrote:

LS, I forget.  I think "too many recent accounts" was in there somewhere.  It was a while ago and I didn't keep the letter.  I only applied because I thought it would be a sure thing, and I'd get my TU score.  Poor reasons, so karma probably had a hand in the denial.


Smiley Very Happy

 

I had to app 3 times until they came around to me!




EQ FICO 548 3/3/16
Message 8 of 8
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