Just got my denial letter from Chase saying my gross income isn't high enough for the Freedom. I'm 21 with a 761 Transrisk score (don't know what my FICO score is), 3 years of credit history, and I work full time at 18.67/hr. I all ready have 2 credit cards that I hardly ever even keep a 2% utilization rate on and 1 car note. I've never been late on a payment or have any derogatory marks on my report. Thought I was doing pretty well but I guess not
. Should I even bother calling the # on the letter to see if there was some sort of mistake?