Denied by Chase Freedom + denied after Recon

[Anonymous]

Right, so I am new to credit. I had a clean slate of credit, no good history, no bad history - until December 2013 in which I got an auto loan.

Since then, I have been paying it on time, no missed or late payments. I have Chase checking and Chase savings. I have never had a credit card. The only other credit history I have is a phone from T-Mobile, which is also 100% on time payments. I went to the bank in person and applied there - instantly denied by computer. Insufficient credit history. So I followed the advice of this forum, and called the recon number, and the man I spoke to was very polite and nice, but I was denied again. They want longer credit history, or more established credit.

So......instead, I went and accepted the mail offers I have been getting from Capital One. I applied online and got approved instantly today.

Do I lose any hope of Chase Freedom until 2015? I think recon, in my case, has no effect because of insufficient history? What do you guys think?

[CreditMagic7]

With Chase, even a first Recon denial is not the absolute end of it. Let the initial negative results fade out and make another run through them.

[Anonymous]

give it a few months on capital one; then re-apply with Chase Freedom

[mongstradamus]

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@Anonymous wrote:

Right, so I am new to credit. I had a clean slate of credit, no good history, no bad history - until December 2013 in which I got an auto loan.

Since then, I have been paying it on time, no missed or late payments. I have Chase checking and Chase savings. I have never had a credit card. The only other credit history I have is a phone from T-Mobile, which is also 100% on time payments. I went to the bank in person and applied there - instantly denied by computer. Insufficient credit history. So I followed the advice of this forum, and called the recon number, and the man I spoke to was very polite and nice, but I was denied again. They want longer credit history, or more established credit.

So......instead, I went and accepted the mail offers I have been getting from Capital One. I applied online and got approved instantly today.

Do I lose any hope of Chase Freedom until 2015? I think recon, in my case, has no effect because of insufficient history? What do you guys think?

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I remember reading somewhere that chase likes to see 6-12 months of credit history before they approve people with short credit history. I don't know how true that is . 

[Swapmeet]

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@Anonymous wrote:

give it a few months on capital one; then re-apply with Chase Freedom

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word.

[Anonymous]

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@Anonymous wrote:

give it a few months on capital one; then re-apply with Chase Freedom

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Ok I will do this,  from my short time on this forum, I think this is called gardening

[Swapmeet]

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@CreditMagic7 wrote:

With Chase, even a first Recon denial is not the absolute end of it. Let the initial negative results fade out and make another run through them.

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This is true.    Third recon was the charm in my case.

[Swapmeet]

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@Anonymous wrote:

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@Anonymous wrote:

give it a few months on capital one; then re-apply with Chase Freedom

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Ok I will do this,  from my short time on this forum, I think this is called gardening

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It is indeed. Gardening sucks, but is well worth it!

[Anonymous]

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@Swapmeet wrote:

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@Anonymous wrote:

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@Anonymous wrote:

give it a few months on capital one; then re-apply with Chase Freedom

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Ok I will do this,  from my short time on this forum, I think this is called gardening

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It is indeed. Gardening sucks, but is well worth it!

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Your excitement is infectious!  I'll re-apply around Decemer, before Christmas

[longtimelurker]

And when people use, (wait for it, it's soooo funny) "Crapital One" they forget things like this, they have given OP an entry into the CC world.