Today I got to another rep that just kept repeating 'short credit ' as a reason so I will try again Monday and hopefully get someone who will actually listen.
Just a thought, would it help my approval this time around if I go open a chase checking and dump $100,000~150,000 in it before a complete denial? I do plan to bank with them in the long run anyway.
I'm guessing you applied once and kept calling recon for approval right? How many times did you call them? You do know that they keep track of the phone calls right? The more desperate you act, the less they want to give it to you.
Since you already have a Freedom, opening a checking account will not guarantee your chances of approval. HOWEVER, if you went into a branch and talked to someone about opening an account and talked up numbers like "$100.000~150,000" then told them you had an interest in the CSP they could definitely help you out. Plus, if what djrez4 said is true, you can get the added promo too. My friend works in investor relations at Chase and it really is one of the better banks. I'm sure your short history plays a big role in the decision, but I would think your utilization of your Freedom also plays a role too. I would imagine your income would practically make them drool for you though lol.