New App help!!!!!!

[LS2982]

+1 for going for AMEX Zync

[Anonymous]

AAOA IS ABOUT 7 MONTHS

[ztnjpv]

As others have said, I would go for the Freedom. Besides the cash back factor, the Chase Rewards Mall is really nice. Lotsa savings from good brands and stores you probably shop with anyway. I think Amex has a good Member Program too for rewards points. Not sure if it's better than Chase's. The Freedom can also be had with no annual fee.

I would not worry about your score. You are in range for an approval in the low 700s provided your report doesn't have anything very recent that is bad.

[MarineVietVet]

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@Anonymous wrote:
AAOA IS ABOUT 7 MONTHS

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For what it's worth it's built into the system that for scoring the AAoA can never be less than 1 year.

[ztnjpv]

If you get denied, call the recon line (search backdoor numbers in this forum somewhere). You can possibly smooch your way into getting the card if you talk to an analyst. In fact, you can probably call the recon line right now. I'll bet the preliminary answer might already be sitting there.

[nuggets321]

Really ?? two weeks ??   I applied  online and was instantly approved ??

[Anonymous]

Just called and was denied for lack of established accounts.

[ztnjpv]

Did you speak to a credit analyst for a recon?

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

[Chris123nTx]

Hey frugal, my starting chase freedom cl was around 10k.

one of the reasons i like the freedom - they can get people approved with lower credit profiles with low initial cl, all the way up to the freedom signature, all with one app. It just kind of covers.people all through the credit profiles from average to excellant.

[Anonymous]

Yes I did.