gilmore4 wrote:So I applied for the Chase Freedom card online and got the automatic "Your application requires further review before making a decision,"
thus I anticipate that I'll receive a denial letter in the mail within a week.
Pretty frustrating I must admit. It's not like I don't have a job or income either. The sad thing is, any phone conversations I have had with representatives go nowhere -- these "decisions" are made automatically by a machine is my best guess.
Strongly believe the only way I'll "qualify" is by setting up TV/internet accounts in my name and/or go the secured route for a year.
Have you called chase with the freedom app before getting the letter?
A friend did not have credit, not even an AU, and she is in same boat as you, sans own income, as she just had a baby, but we are in CA and you can use spousal income.
She got rejected but I told her to call, she banks with them as well, and as kept a spot record for years. Healthy balance (not enough for special consideration, which is why I told her to call the phone rather then go in) and originally the rep told her same thing, not enough credit history (try none)
But she's been renting same place for a few years, again, established a bank relationship with them for years without any negatives, and her husband's income is significant enough for the two of them.
They ended up giving her a cc with a low CL.
So call and try, if it makes sense, even if the CL is low, they should give you an opportunity, I prefer to give those who are starting out a chance, over those who have established credit history, who hasn't taken care of it..not that they don't deserve a chance either but for some reason they seem to get it a bit easier just because they have something on record,