stacks wrote:Appreciate your response. That definitely makes sense because I remember filling out a questionnaire on my expenses during the application process. I just didn't think that would be a problem because all of the expenses that I listed combined only make up around half of my salary. I've also never actually gone above a 2% credit utilization rate. I just wanted to know whether or not I should call the number to find whether or not there was a chance of being reconsidered for the card. Guess I should just apply for another. I know that this counts as a "hard credit inquiry" so how long do you think I should wait before applying for a different card?
I would absolutely try to recon with Chase. Since your Experian has already been dinged with the inquiry, it wouldn't hurt to try.
Otherwise, you say that you have BofA at $5K and a Navy FCU at $10K, so it sounds like you are pretty much set. My only recommendation would be an Amex Zync. The reason I recommend it is because it will get your foot in the door with Amex at a young age. Even if you close it after a year, in 5 years or so when you are ready for another Amex, it will be backdated to 2011 (Amex backdates subsequent accounts to your original Member Since year provided that they can find record of it).
So yes, I would call their backdoor number and see if there is any way to get the Freedom approved at a low limit. The worst they can say is no, but it is worth a shot. Other than that, my advice is an Amex charge card product for future backdating purposes.