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Chase reconsideration worked...


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Well I just got approved for my first Chase card. I applied for the Chase freedom card and was deined. So I called the reconsideration line friday and spoke to a nice lady there. She was very friendly and gave me a chance to explain the negatives on my credit report.

I told her what happend and I also explained i've had great credit since 2003 with no late payments at all since then. She reviewed my account and approved me for a $1000 credit line. It's not great, but it's a prime card. So far NFCU is the only one who has given me any prime cards.

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Thanks. The lady at Chase was super nice as well. She asked what happened in the past and why I had a few charge off's. She also reviewed my current records and saw my credit had been perfect since 2003. She approved it after reviewing the account for a few seconds. I couldn't be happier. Now I can get rid of some of these sub prime cards finally.

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man, it's all in who you get. The CS rep that worked with me insisted my 6.5 year old Cingular collection ($118) was within the last 2 years just because the info on it had been updated (probably after one of my numerous disputes). She wouldn't acknowledge the age of the collection. Said their 2 year no-derog policy is firm and can't be overridden.

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A week ago (on March 14), I applied for a Chase Platinum Mastercard. They pulled my Equifax with a score of 578 with one CO from Cap1, two old (>2 yrs) derogs from BofA, and no current collections. I got a letter from them on March 17 of denial. So, I called their customer service number (on their card site, the one used for collect calls to area code 302) and eventually reached a credit analyst. They asked me some really hard questions about my past credit performace, but in the end they approved me for a $500 limit.

I told them that I have a repayment plan with Cap1 and that the other to BofA accounts were abberations (one was an illegally re-aged debt from MBNA America in 1999 and the other was PIFed but not updated).

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I just got approved with Chase, too! They actually called me about 2 days after I applied. Capital One Home Loans sold my mortgage to them as my servicer, which must be why they called me.

Incredibly they let the BK7 slide after I explained what happened. So finally, over 5 years after filing BK, I have a prime card. I got a very nice $10k limit as well, which was shocking because they pulled my EX report which is by far my worst.

Lesson Learned: if you have a mortgage with a prime issuer, apply for their card and see what happens.

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Thanks - and I called back to see if I got the Freedom card, a platinum card or what. Turns out, they approved me for the (get this!) Freedom Visa Signature card! Yes, I know the lack of limit reporting and such, but finally I have a PRIME card with real benefits! I'm excited :D

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Overall I went 1 for 4 with them.... on two separate occasions I applied for two of their cards... turned down for FREEDOM both times which I guess technically is the better card, but I got the one I REALLY wanted, the Disney Rewards the second time around.

Anyway, I'm in with Chase now... hard nut to crack for me. Even the student card I was turned down for last time.

But, first time they pulled EQ and EX, this time they pulled EQ and TU, which are both way better than EX.

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