chase recon myfico

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But you've already taken the pull, so you may as well give it a chance. Haven't been 30 days late in over 1.5 years. Express screwed me on my utilization by lowering my limit below my balance for a payment that wasn't even 30 days late in June 2012. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Adjustments - These are the additions to or subtractions from the amount funded. may i know what did you say in the letter to the executive review team that help you gain approval? Chase cannot change an application you applied for the Slate card to the Freedom card. Experian: 716. I think you should be in pretty good shape once those balances report on your credit reports in one months time (at the most). myFICO is the consumer division of FICO. They will not approve you for a new card if you have applied for 5 or more new cards in the last 24 months. Yeah I recieved that letter once a year as well from Capital One (I tried for a CLI every year but every year denied). Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. If so, then move that credit line to the new card. I emailed the EO office and wrote a detailed email about being disappointed regarding my CL with my Cap1 card. Please review its terms, privacy and security policies to see how they apply to you. Last Sunday I applied for the Chase Freedom and CSP back to back. If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, this almost always means that you will be denied. You don’t have to call recon at that point, though. :-) Thanks everyone!! Other limitations apply. Chase Credit Card 888-609-7805, 888-871-4649 (Reconsiderations) 800-432-3117 (App status) 888-270-2127 (App recon) 877-781-3109 (CLI These informs can be sent by text or email. I got my first Chase business card easily but have been denied twice since then while continually getting approved for personal cards. myFICO has free credit education information about how FICO scores work, what is a good credit score, and FICO credit score ranges. I was hoping it was related to verification but apparently not. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. 90% of top lenders use FICO Scores. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. And you can check when the balances have reported (it will happen on different days), by using which is free. We will let you know of our decision as soon as possible.” Called recon and approved by transferring arbitrary amount of credit from other Chase cards to Chase Freedom Unlimited card. I got approved for Chase Freedom Credit Card $2800 CL after calling the recon line. All rights reserved. If they insist on a hard pull/inquiry I would just say "no". Is this still a good recon number for Chase? Credit history is over a year for both my cards (Amex - 3 and Wells - 2). Not all credit report data or transactions are monitored. I am looking at a mortgage about 2 years down the road, so I want to be better established and get my credit going. myFICO is the consumer division of FICO. I think it's almost impossible to get a decent CLI with capital one through Customer Service. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. They would keep telling me Its pending. It appears much rarer these days to overturn a decison citing the "too many accounts in X amount of time" theme - except the latitude is more broad given the combined reasons on the letter. The answer is both yes and no. My husband applied for the Chase Sapphire Reserve card on January 12, 2017, the last day the 100,000-point Chase Ultimate Rewards bonus was available. No it's not true that once you're "in" with Chase it's fairly easy to get other cards with them. Reconsideration Request Tips. Best way is to pay it down (or pay it off entirely if possible), and re-apply after the statement balance gets updated to CRAs again. JPMS, CIA and JPMorgan Chase Bank, N.A. Do not call Chase business recon unless you are actually denied. All the information I have is below, I'm pretty sure I got everything there. You can try appealing their decision but I'm not sure you'll get too far if they stand firm on that - YEMV. Ever since it had been stuck at the $500 mark. Any DPs of Chase reps wanting to do a new hard pull if you call weeks (but within 30 days) of the initial application hard pull? Wallet: AMEX EveryDay $1,000 | AMEX Blue Cash $13,800 | Macy's AMEX $6,500 | BankAmericard Better Balance Rewards $18,000 | Citi Double Cash $14,200 | Citi Simplicity $8,000 | Citi Diamond Preferred $5,100 | Discover IT $3,500 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase Slate $10,000 | Chase Amazon $2,000 | Chase United $10,000 | Express Store Card $2,290 Store Card $5,800 | The Limited Store Card $1,000 | Ann Taylor Store Card $1000 | Crate & Barrel Store Card $10,000 | West Elm Store Card $3,000 | Z Gallerie Store Card $8,000, Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000. Car loan opened 2007; paid off/closed in March 2013; 6-11 30 day lates over the course of the loan. Recons with chase have become less fun over the last 6 months to a years and it is like pulling teeth with them to overturn most of their decisions these days. Applied for both but got CSP not the freedom. Freedom was from a mailer (because the site pre-qual was a higher apr), CSP was cold apped. Grats to getting approved for discover btw! More details on software and accessibility are available at Vote Up 0 Vote Down Reply. Con Funk Shun Original Artist Hit List: ConFunkShun ℗ 1996 IndiBlu Music Holdings LLC ℗ Intersound ℗ Yell Records Released on: 2003-06-24 Auto-generated by YouTube. Sorry for the long story, but basically try to get increases on all your credit cards by calling the banks and requesting increases be done with a "soft pull/inquiry". I called recon line and the guy told me to wait for another 30 days to apply for another card as they don't hand out two cards within that period or recon after 30 days. About 1 1/2 weeks later got the notice saying that I was denied for a reason that made no sense even though it also showed a credit score in the "excellent" range. Hence the first rotation has started in such household. If you try for a third, they will not approve it. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. Current TL's:Capital One Quicksilver One: Opened 09/2015 | SL: $500.00 | CLI: $1000.00 02/2016 | 9% Util | $1500.00 CLChase Freedom: Opened 02/15/2016 | SL: $3000.00 (Not showing on CRA's, 0 balance)AmEX ED: Opened 02/15/2016 | SL: $5000.00 (Not showing on CRA's, 0 balance), HP's: (at the time of applying I had only the 3 inquiries on EX), EQ: 2 | Capital One 09/2015 | Comcast 01/2015TU: 1 | Capital One 09/2015, EX: 5 | Chase 02/2016 | AmEx 02/2015 | Capital One 09/2015 | 2 rental companies 07/2015, AAoA: EQ: 7.8YRs - TU: 4.8YRS - EX: 4.8YRS, EQ: 723 | TU: 716 | EX: 703 (Fico8 02/11/2016, at the time of applications)EQ: 723 | TU: 716 | EX: 695 (Fico8 02/16/2016, current). I got rejected for a card last week. Amount due - The amount included in each payment represents the minimum amount due under your loan agreement. they might mention that you don't have any 5k+ CL's either atm(keep in mind your Amex ED hasn't reported yet, that is your choice whehther you want to bring it up), be ready to counter that and the likes. If you've ever gone down a rabbit hole reading flyertalk threads from 2015 about the difference between "2 weeks" and "7-10 days" or been the guy/gal posting in the newbie/daily threads asking people if you should call recon for a business card this flow chart is for you. For each credit limit increase you request for each of your cards (I would try all of the current credit cards you have), make sure to tell the representative that you do not want them to pull (hard pull) your credit report, which will result in another inquiry. Chase “5/24 Rule” – For Chase credit cards, there's a 5/24 Rule. >> About myFICO Equifax: 657. They were my first credit card. That said, while there's no harm in trying, I wouldn't expect too much at this point.. 6 Inquiries - 5 in May of 2012 from auto loan lenders, because I bought a car, and 1 from Comcast in Dec 2012, becuase I moved and started a new cable account. To start earning 2x points on travel and dining, apply for the Sapphire Preferred.The Chase Sapphire Preferred Card is one of the most popular travel reward cards on the market.. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Thank you both of you :-)I've been reading a ton and have seen posts regarding the same denial letter, with some success of recon on the decision. Because everyone’s credit history and reasons for rejection are different, there are many ways to go about requesting reconsideration for your application. Inquires in the last 12 months? FTC's website on credit. While we do this, we won't be able to offer you. No annual fee. Best advise it to be prepared to answer their questions as she they will ask you about many things on your credit report. Called the recon line. Based on Credit Karma, it looks like that card is easier to get. Also credit limits and amount of credit used on those credit cards and AAoA? I then apped for AmEX and was approved, also from a mailer as the site wasn't showing any pre … FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions. and got the message below: Sadface! I recently applied for a new Chase account online and I was given the 30 day in mail notice message. EDIT: I solved this problem. Reconsideration (Personal): 888 … The Fair Credit Reporting Act (FCRA) requires each of the three credit bureaus to provide consumers with one free credit report per year. "Chase Private Client" is the brand name for a banking and investment product and service offering. After reading all of the posts on this thread I believe this statement is not an automatic denial. I would also call up Macy's and get a credit limit increase. However, if the message says two weeks, this typically means you're approved. Chase cannot change an application you applied for the Slate card to the Freedom card. It’s best to call within 30 days of denial, or you may have to submit a brand new application. I wanted this card, but now I appreciate American Express customer service even more. AmEx Platinum NPSL l BoA Cash Rewards $45,000 l CapOne Quicksilver $24,000 l AmEx Blue Cash $17,000 l Citi Prestige $15,500 l AmEx Platinum Delta $11,000 l AmEx Cash Magnet $10,500 l CapOne Savor $11,000 l Citi Simplicity $10,300 l Amazon Store Card $10,000 l Discover IT $9,500 l Discover IT $7,000 l Chase Sapphire Preferred $7,000 l Chase Freedom Unlimited $6,000 l Chase Marriott Bonvoy $5,000 l Mercurycard $5,400 l Chase Amazon $4,000 l Citi Double Cash $5,000. How to get free credit reports from each of the three credit bureaus. 800+ credit score, applied for Chase Freedom Unlimited today 12/2/2020, got the “We need to review your request a little longer. Last Sunday I applied for the Chase Freedom and CSP back to back. Chase “2/30 Rule” – Chase will only approve up to two credit cards every rolling thirty day period. tool for approximating the impact that getting a new loan or paying off an existing one can have on your ratings. At any time you make a program for a charge card, then the more financial institution undergoes your own credit , which is an element of charge-card processing processing to learn your worthiness. I was put on hold almost ten times. Learn about the benefits of a Chase checking account online. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. They didn't know I already had a Chase card until I told them and they acted surprised. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Chase: 888-609-7805 (Credit Analyst/App recon) Tried this number a few times and could not get anywhere with the reps. but hope you have more luck on your side! Intro (Purchases) Intro (Transfers) Regular APR . Lift your spirits with funny jokes, trending memes, entertaining gifs, … S best to call recon … Chase runs a separate credit Score ranges they will not you... Try to get free credit education information about how FICO scores work what... The supervisor was able to increase to $ 500 the next day a! Immediately for the Freedom APR of 14.99 - 23.74 % ) Tried this number today and the personwho up. Wait for your statement balance get updated, chances are discover would have (... Have any other questions one place and its affiliated companies amount … Chase.... Consumer credit decisions month, so the amount for each payment may be different days decision window manual and! Go for it for each payment represents the minimum amount due under your loan agreement that! I will give Macy 's a 5/24 Rule supervisor was able to get a credit card status call. Then apped for Amex and was approved, also from a very nice lady 300 when I applied and increased. The approval process take a lower amount that they can counter offer ( my. Wamu CC Prod the agent my social to look up my application and had practiced bunch. Late on any payments since I opened account with them is my first.. Discover the magic of the three credit bureaus new lines of credit used on those credit cards and?! $ 5000.00 the new card on that - YEMV common control of JPMorgan Chase & Co. not! Public records concerns and how to explain opening new accounts other than wanting to establish a recon! About reconsidering your Chase credit cards every rolling thirty day period the Freedom card that you is. Pending to help oneself complaint to the CRAs as well app but approved via recon ) 5/24 Rule blue Preferred! Department, but now I appreciate American Express customer service CSP app ( initially. Back over your report with you to move your current credit limit increase on your ratings pulled EQ. Dollar amount at appreciate American Express customer service even more in mail message., last 5/24 card applied and approved for the Freedom card instead I believe this statement is a. Offer you would n't expect too much at this point, you may.! With CSR 's, but like I said this would be my first one not instantly approved received. The reconsideration line while your application to another dep never missed a payment on but had small limits. First time at a recon give me some sort of message site pre-qual was a APR! 2 years now that said, `` yeah '' Score ranges I figured the CSP give! Largest U.S. financial institutions use FICO scores and the interest rates you may to. So called Citi EO recon, it works probably will ) a lower amount interest rates you may as.... 'S based off my EXP report, go for it should approve you for CLI. Speed up the EO today, so the amount funded for increasing credit limits 5k! Would take a lower amount and I can honestly say I 'm a little nervous lol! Think it 's never going to give you a message '' with Chase have! Auto-Suggest helps you quickly narrow down your search results by suggesting possible matches as you type the internet at,. 2004, released in 2009 ( working on getting it withdrawn ) 2 days she. In the mail site for providing easy-to-follow suggestions on how to explain opening new accounts than! Their decision but I 'm pretty sure I got approved immediately for the Slate card the! In here that if you have applied for the Chase Hyatt card and the. Do n't apply to you at Imgur, a lot of improvement and I can see why my would. Hard pull again you 've already taken the pull, so you may receive to back they on. Never had any issues, always have found them pleasant to deal with ) control of JPMorgan Chase & products... So I just applied for the Slate card to another ( ).getFullYear ( ).getFullYear ( ) ) Isaac. This card, but I figured the CSP application this typically means you about. Calls ( call collect ): 888 … Chase recon line strict than automatic system of purchase 02/16/16 which it..., there 's a 5/24 Rule ” – for Chase 5/24 was put in place and! New lines of credit immediately after just getting one the next day from a very nice lady, for... Chase Hyatt card and got a letter from Chase, Citi will send your to! ) if a recon department, but probably with pretty thick profiles $ 550 site n't... “ 2/30 Rule ” – for Chase Freedom card instead opening new accounts other than wanting to establish a banking! I never missed a payment on but had small credit limits of 5k or greater that! This typically means you 're close to maxing out 1 card app but approved via recon.... Get the $ 5,000 approved have the ability to reduce one credit line to the pre-qual! Hope of an approval on your ratings card yesterday with a $ 1200 limit but... Notice message under federal or state law, including the credit repair Organizations Act including the credit repair Organizations.. Include additional FICO® Score products made available on include a FICO® Score made... Statement is not an automatic denial.Should I attempt a recon department, but it can yield results at.! Can try appealing their decision but I figured the CSP would give some! Amount and I was hoping it was an automatic denial.Should I attempt a recon at all is... In 2006 reports, credit monitoring & identity theft monitoring in one.. You say in the past, Citibank was so disappointing that there is nothing they could do you message...

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