Rejected

[takeshi74]

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@ando35 wrote:

So I applied for a Chase Freedom card with a 703 TU and 696 Equifax and a BK 7 years ago. Rejected. Your score means nothing. 700 is not "good".

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As always, it's not just about score.  Look at your entire credit picture and consider all the factors that go into your credit score.

[Anonymous]

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@peaceonearth wrote:

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In my opinion, no matter what the circumstances are; filling bankruptcy is a big mistake!

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Well, perhaps a little strong!  Yes, there can be serious, lasting consequences for filing.  But in some cases, the alternatives are worse.   Just depends.   Obviously, don't file for near-frivilous reasons, but not sure anyone really does that.

[DrZoidberg]

You can try for a recon. I applied a year ago fora CSP and was denied. I had some bads fall of this year and I applied again and was denied again. I called and asked why and it was because of charge-offs I had WITH Chase 8 years ago. Although it was off my report it wasn't out of their system. So, on paper I was a denial, but if you actually talk to someone and explain the situation they can overturn a calculated denial. 

[ando35]

And another thing. I asked on this board about which card I should apply for and no one answered. They told me to use the search function which yielded only old results. I will not be asking for any more help here.

[myjourney]

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@ando35 wrote:

And another thing. I asked on this board about which card I should apply for and no one answered. They told me to use the search function which yielded only old results. I will not be asking for any more help here.

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I'll help sorry no one answered but it does happen sometimes post get passed depending on the time of day you posted 

How can the forum help

[ando35]

Well it was saturday night so, maybe I should have waited.

[myjourney]

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@ando35 wrote:

Well it was saturday night so, maybe I should have waited.

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I as well as others are here waiting to help so tell us 

What you got?

[DrZoidberg]

You went for a prime card and got rejected. No sense in getting mad or throwing a fit. This is your credit profile that is tied to your life, you shouldn't apply based on what this board tells your or what card they tell you. Search around on multiple boards and sources and take in all the information and then make an informed decision on what card best suits your needs at this time. . 

Some advice: Discover and Barclaycard tend to be more forgicing of COs and BKs. 

[myjourney]

What card are you looking for? 

Trying to help 

Cash back or Miles 

CC's you have now?

INQ's in the last year?

AAoA?

Baddies =BK 7 years ago 

[ando35]

Non-secured, credit limit over 1,000. 

I have 3 cards low util

2 inq this year

aaoa has dropped to 7 years

bk 7 years ago. 

I think I should wait since I wasted an inquiry on this chase thing.

Thank you though.