- Centurion Member
- Posts: 257
- Joined: Sun Oct 14, 2012 10:22 pm
- Location: California
In my experience...Chase is HORRIBLE with Recons (Rant below).
I had built up positive credit for nearly 6 months with my 1st Financial Bank Student Card and was looking forward towards applying for the amazon visa I had been declined for the day I turned 18 and was naive to approval standards. I called them up to check approval status; I was declined. I volunteered info about my 5 figure assets, still no. This was with all positive, albeit short credit history and only asking for a limit of $500 to start. They recommended I open a Savings Account with them and try again, which I then did with an opening deposit of $500 (the max for debit card which was supposed to post immediately), as I needed an account to deposit cash into to transfer to my online bank anyway. Only then the deposit was held over a week. In the meantime, they recommended I visit a branch to make another deposit with cash and then recon. I did that and only then did they tell me it would have to be at least $10,000 for at least 3 months to even be considered. I filed a BBB complaint which got them heckled for a while with constant calls from their executive office and I still didn't get the card until my mom applied and then added me as a joint cardmember, which they put us through enormous hassle to do so or to raise the limit to $2k even though we had been approved for $10k before my mom asked it to be lowered to $1k. I swear they have me blacklisted to give me extra hassle whenever I have an issue.
As far as cards for us young, single people, I would try to add the US Bank Cash+ and the Associated Bank Rewards Visa Signature cards.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012