So HAPPY that I got DENIED for the Chase Freedom FU!

[acar3044]

Hey everyone,

So this may sound weird, but I was extremely happy to know I was denied for the Chase FU. To summarize my credit journey, I was unable to pay my CC's at the age of 20 in 2014. I was immature, naive, and 2 cards that I burned were from Chase. The Chase Slate and the Chase Freedom. My credit report is now clean after 7 years and decided to take a risk in applying for a Chase CC. I was given the 30-day message, I called Customer Service and they informed me that the reason for the denial was that my tradelines are not comparable to my old Chase Cards. My biggest limit is 1k right now since my Report just barely became clean and when I burnt Chase back then, my limit was around 2k. The CSR told me to get a card with a comparable limit and that I would have a great chance of approval. For reference, my FICO for Experian is 768. I was so happy to hear that since it sounds like I am no longer in the blacklist 😊. Just wanted to share my 2 cents!

[FalconSteve]

So weird to read about someone happy for a denial

[sznthescore]

LOL If it makes you happy, I love it! 

For me personally, I just can't stand Chase altogether.  The have blacklisted me like no other and I can't seem to figure out why. I've never had any credit relationship with them beside a checking account back in the day.  Went to open a checking account recently and there was nothing but RED notations on the screen all over the screen. I held my held high after the teller said there was nothing he could do for me and walked out the branch. I will NEVER get anything from them or backed by them...PERIOD. 

[Anonymous]

I am happy that you are happy

Thanks

Mark

[Brian_Earl_Spilner]

Congrats on your denial 

[FinStar]

OP, thanks for sharing your experience, as unconventional it may be for those who typically get denied.  Glad to hear you're taking it well, despite the outcome.

I would agree, to the extent that the agent had informed you of potential next steps to be able to obtain one of their cards in the future.  You definitely do not want to be stuck with a very low Chase CL (all things considered) since those are very difficult to grow, and not to mention any CLI requests are HP.  So, essentially, this makes it a decent goal to achieve at some point in the future once you optimize your profile.

[SweetCreditObsession]

Yours is a fascinating experience. Congratulations on learning from your mistakes, successfully rebuilding and thank you for sharing! 😁

[longtimelurker]

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@sznthescore wrote:

LOL If it makes you happy, I love it! 

For me personally, I just can't stand Chase altogether.  The have blacklisted me like no other and I can't seem to figure out why. I've never had any credit relationship with them beside a checking account back in the day.  Went to open a checking account recently and there was nothing but RED notations on the screen all over the screen. I held my held high after the teller said there was nothing he could do for me and walked out the branch. I will NEVER get anything from them or backed by them...PERIOD. 

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Probably true, even if you wanted to!    In these cases, it is often from a bank that Chase acquired, even tens of years ago.   Did you ever have a bad relationship with a bank?

[longtimelurker]

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@FinStar wrote:

OP, thanks for sharing your experience, as unconventional it may be for those who typically get denied.  Glad to hear you're taking it well, despite the outcome.

I would agree, to the extent that the agent had informed you of potential next steps to be able to obtain one of their cards in the future.  You definitely do not want to be stuck with a very low Chase CL (all things considered) since those are very difficult to grow, and not to mention any CLI requests are HP.  So, essentially, this makes it a decent goal to achieve at some point in the future once you optimize your profile.

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I agree, but the denial reason seems a little strange to me.   It's not as if OP was asking for similar limits to the old cards, just applying.  Sounds like they are viewing this almost as a reinstatement, and I can't think why that would be a requirement!

[sznthescore]

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@longtimelurker wrote:

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@sznthescore wrote:

LOL If it makes you happy, I love it! 

For me personally, I just can't stand Chase altogether.  The have blacklisted me like no other and I can't seem to figure out why. I've never had any credit relationship with them beside a checking account back in the day.  Went to open a checking account recently and there was nothing but RED notations on the screen all over the screen. I held my held high after the teller said there was nothing he could do for me and walked out the branch. I will NEVER get anything from them or backed by them...PERIOD. 

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Probably true, even if you wanted to!    In these cases, it is often from a bank that Chase acquired, even tens of years ago.   Did you ever have a bad relationship with a bank?

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@longtimelurker Not that I can recall. I mean I can get accounts others places with no problem. It was strange to me. He even took the privacy protector off the screen to show me. However, the RED notations were so long and many paragraphs I couldn't read fast enough. I was like OMG! I wont be embarrased like that again applying for anything from them. Don't want to take the focus off OP, but umm yeah that was my experience with Chase. Now, the feelings are mutual.