Hi all,
So four months ago, I applied for a Chase Freedom card and was denied for too many student loans (I have $7000 through SM). My only credit history were these nonrevolving student loans, and my current income is $12,000/year
Afterwards, I went and grabbed a Discover It with a $1000 CLI, and built my revolving credit history and got my FICO to 721 as of last week.
I was wondering, would it be worth it to reapply for Chase Freedom? The card looks like it would be great, considering I also have a Chase college checking account. If so, how long should I wait to reapply? I read three months in one site, six months in another, etc etc, so I was hoping someone either had firsthand knowledge or any insight that could help 
Thanks!
What do your reports look like?(inqs, util, baddies etc)
EDIT: Did not catch the income part
@heyarrnold wrote:What do your reports look like?(inqs, util, baddies etc)
And what is your income, if you do not mind me asking?
His Income was stated at $12,000 a year
TBH I would probably wait till your AAoA is higher to app again for the Freedom
That's an odd reason for denial, maybe debt to income ratio was not too good.
When I applied for my Freedom I only had an Amex Zync for 6 months. I also had close to 50k in student debt. I was approved. Check their prequal as CreditAddict suggested.
Chase is not big on being the first card issuer unlike Discover. If the pre-qual site doesn't give you an offer, let the Discover age about 6 mos before reapplying
