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Chase Freedom

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Anonymous
Not applicable
‎08-26-2014 04:09 PM
‎08-26-2014 04:09 PM

Chase Freedom

Hey all, hope your day is going well! While getting all caught up in the feeling of seeing that "APPROVED!" page, I applied for Chase Freedom during my mini coming out of terrible credit app spree.  I was given the 7-10 day message and ultimately denied. I know, I know, I probably shouldn't have applied. But, I did, and whats done is done (right?). Anyways, I tried recon and was told that they can't offer me the card because I haven't re-established my credit with other cards yet. Should I try again? Possibly tell them I'd take a miniscule credit line just to get my foot in the door with them? Anything you guys got will help.

Message 1 of 11
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10 REPLIES 10
chalupaman
Super Contributor
‎08-26-2014 04:12 PM
‎08-26-2014 04:12 PM

Re: Chase Freedom

Perhaps you should work on getting your FICOs up and trying again in a couple of months. How long have you had your current cards?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 11
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Anonymous
Not applicable
‎08-26-2014 04:25 PM
‎08-26-2014 04:25 PM

Re: Chase Freedom

@chalupaman wrote:

Perhaps you should work on getting your FICOs up and trying again in a couple of months. How long have you had your current cards?

Thank you, and I agree, that's what I'm trying to do. I did acknowledge my mistake in applying to begin with, however you cannot harp on what has already happened. What's done, is indeed, done. That said, any advice?

Message 3 of 11
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myjourney
Super Contributor
‎08-26-2014 04:27 PM
‎08-26-2014 04:27 PM

Re: Chase Freedom

Are all the cards in your sig new and are you primary on accounts?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 11
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Anonymous
Not applicable
‎08-26-2014 04:30 PM
‎08-26-2014 04:30 PM

Re: Chase Freedom

Some new, some not so new. Not sure what you mean on your second question.

Message 5 of 11
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myjourney
Super Contributor
‎08-26-2014 04:32 PM
‎08-26-2014 04:32 PM

Re: Chase Freedom

None of those are AU accounts (primary) = yours

 

Whats new i'm guessing secured cards are oldest but just guessing 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 11
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Skye12329
Valued Contributor
‎08-26-2014 04:33 PM
‎08-26-2014 04:33 PM

Re: Chase Freedom

Chase does not take AU into factor if you are one. They also like to see a AAOA of 6-12 mos. The new accounts possibly lowered your AAOA below that mark. Depending what your AAOA is.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 7 of 11
Anonymous
Not applicable
‎08-26-2014 04:35 PM
‎08-26-2014 04:35 PM

Re: Chase Freedom

Ohh gotcha. Yeah those are mine, not AU. My average age of accounts is 3.5 years rights now. I'm guessing recent inquiries probably played a factor as well. 

Newest cards are AMEX (one pull) and Sallie Mae, just this month.
Message 8 of 11
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Skye12329
Valued Contributor
‎08-26-2014 04:38 PM
‎08-26-2014 04:38 PM

Re: Chase Freedom

Have you tried calling to see if they could recon it?
BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 9 of 11
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myjourney
Super Contributor
‎08-26-2014 04:38 PM
‎08-26-2014 04:38 PM

Re: Chase Freedom

@Anonymous wrote:

Ohh gotcha. Yeah those are mine, not AU. My average age of accounts is 3.5 years rights now. I'm guessing recent inquiries probably played a factor as well. 

Recon again on the premise you want to establish a relationship with them most of all.....based on being the best rewards system from your research 

Good luck I'll be pulling for you

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 11
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