ncosky290 wrote:How did the Freedom app go... Also good luck with cap one. Have an account from 2009. No offers via Care. Got the call back from exc office. Will see what happens next tuesday when I hear back for my limit increases. Nick*
I called the Chase recon line today () a week after being declined.
Long story short: My denial was reversed. I'm approved for $1K!
The Chase denial letter only listed my BK, so I explained why I originally filed for BK (upside down on a car loan for a lemon vehicle).
My FICO shot up from 725 to 745 since the denial. I'm sure that helped, along with the fact my BK is old (8 years) and getting closer to falling off my credit report.
I'm stoked -- especially as I'm about to open a bank account with Chase ($200 back).
I want one or two more cards.
I'm leaning toward US Bank Cash +. I already bank with them and they said applying in-branch vs online reaps bigger rewards. I'd also like a travel card, like Cap One's Journey.
I'd like to combine my Cap One cards to a higher credit line Cap One Venture/Journey, but that could affect the age of my credit history (those are two of my three oldest cards).
I also bank with BoA and they're pushing their credit cards of late.