time4change wrote:Hi everyone this is my first post here so happy I've found this forum! I've just applied for the Chase Freedom card the message showed up that they'll notify me within 10 days.
From what I've been reading here that means denial. I have no open lines of credit or any type of credit cards.
Is there anything I can do before they send out the actual letter telling me that I'm not approved? It's been a very long time since I've owned a credit card or used any credit could this be a factor?
I have called the automated line and it says my application is being processed. I am self-employed and make around 14 grand a year because of the turn in our economy.
Any advice as to what I can do is greatly appreciated!
I would guess based on what you said it is a denial. I would also guess it will be hard to get this card with no history.
You can call them and ask what the status is and for them to consider you with a low (say 500) limit, but with no history I just don't see them giving it to you.
I would suggest that with no history, you try Capitol one, for "average" credit with the 39 dollar annual fee, or department store cards and gas station cards which can be easier to get. You may also look into a credit union or get a secured card to start. Get something like this going and use it responsibly for 6 months, then add another easy card until you have a couple of them. Use them well for a year, and I would bet getting a Freedom will then be in your future.
Hope this helps you and good luck!