I got declined for Freedom, what should I try for next?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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cgee45
 
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I got declined for Freedom, what should I try for next?

Postby cgee45 » Mon Jul 08, 2013 11:59 pm

Google led me to this site and after tons of reading i feel overwhelmed lol. I recently applied for a Chase freedom but my application was declined.

I have read that you can call a recon number and it seems that's way to go as of now. where can I locate this number? If that doesn't work out what is another good credit card to apply for? ..looking for something i can make everyday purchases and pay it off in full monthly so i can start building my credit back up.

little background: my credit score is 619, about 45,000 a year, i had a student card from boa with a 3,000$ line but was closed due to inactivity just about done paying it off.


cbkhor
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Postby cbkhor » Tue Jul 09, 2013 8:55 pm

try the recon numbers in this link:
Backdoor Numbers - myFICO® Forums

Do update us with the result.

I was also initially declined for Chase freedom. After calling the number they reconsidered and approve my application (i think i was on the phone for close to 20 minutes). At least now I have a Chase credit card and I can start to improve my credit score.
---
AMEX BCE - $10000
Chase Freedom - $2600
Discover IT - $3900
Capital One Quicksilver - $1700
Citibank Diamond Preferred - $3500
Members Choice Credit Union Secured - $500

Kripler68
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Postby Kripler68 » Tue Jul 09, 2013 9:04 pm

That 619 might hurt for awhile with a major bank like Chase. I would consider a Cap 1 card for now and get some positive history behind you.

MemberSince99
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Postby MemberSince99 » Tue Jul 09, 2013 9:23 pm

I agree with Kripler68. If you had say a 680 or even close, as low as 650 with no negatives, I'd recon, but with 619, I just don't see it happening.
You could ask BofA to reopen the card. Worst they can say is no. I read they may do that can't verify it though as I haven't asked them to.

But yeah it's going to be a struggle with that score. I don't see any prime bank touching you until it improves.

Actually I'm changing my tune - I just read on the FICO forum a guy says he got approved with a 633 for 1800 with Discover. Give that a try, the worse your credit the more they seem to appreciate you....

ncosky290
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Postby ncosky290 » Tue Jul 09, 2013 9:24 pm

AMEX Green. It's a charge so can't carry a limit but they are more willing to give charge cards out other then credit cards. 95 AF but still in a year or so after you have it you can apply for a Credit Card. I had to call chase too to get approved with a 730 FICO that AMEX sent me... They are tough. BofA and Citi are they only ones out there that hate me still. I don't think they are worth my time anymore.

Call recon and see what they say. Took me 15min back in FEB but they changed the decision from declined to approved. never hurts! be prepared to answer 20 questions though.

Nick*
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

MemberSince99
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Postby MemberSince99 » Tue Jul 09, 2013 9:29 pm

I still doubt Amex would give a charge to someone with a 619. Even they haven't gotten to that point yet. Now Discover, that's a maybe....

I did just read of someone who claimed to have gotten approved for both PRG and BCE with a 659 EX.

I am glad for them, but you know, it tells you something when you watch people with scores more than 100 points lower than yours not only get approved but also get a higher starting limit when they have one other 500 limit card and you have cards with limits over 10k. Just says something.....and that something can't be printed in the family paper either.....

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djrez4
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Postby djrez4 » Tue Jul 09, 2013 9:35 pm

Bad news, dude. Stop applying for cards right now.

You have NEGATIVE utilization - your debt is higher than your credit limit. The one card you have on your report shows that it was closed by the lender (it won't mention inactivity) and you're still paying it off. Your credit limit is $0 and you've exceeded it. That looks terrible.

You're not going to get approved for anything.

Finish paying off that card and get yourself either a secured card from Cap One or, if you're a credit union member, see if they can help. You will NOT get approved for any normal, unsecured card.

Come back when you've used that secured card for 12 months. Then, we can work with you to get you a better card.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

HookEmHorns
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Postby HookEmHorns » Tue Jul 09, 2013 11:25 pm

djrez4 wrote:Bad news, dude. Stop applying for cards right now.

You have NEGATIVE utilization - your debt is higher than your credit limit. The one card you have on your report shows that it was closed by the lender (it won't mention inactivity) and you're still paying it off. Your credit limit is $0 and you've exceeded it. That looks terrible.

You're not going to get approved for anything.

Finish paying off that card and get yourself either a secured card from Cap One or, if you're a credit union member, see if they can help. You will NOT get approved for any normal, unsecured card.

Come back when you've used that secured card for 12 months. Then, we can work with you to get you a better card.


+1. I'm not well versed in this whole owing money on an account where you have a $0 limit, but that sounds horrible.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12

:cool:

rockyrock
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Postby rockyrock » Wed Jul 10, 2013 1:14 am

+1 for the last two posts

Try Card Match and see what they say--nothing to lose.

Good luck!
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

cashinout
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Postby cashinout » Wed Jul 10, 2013 2:03 am

rockyrock wrote:+1 for the last two posts

Try Card Match and see what they say--nothing to lose.

Good luck!



Hi rockyrock have you tried card match just wanted to know if it really helps some of these say you would qualify yet you get denied i haven't tried but i have seen in other forums are these types of sites safe since they are asking for your SSN
Fico 745
Fake - 764
Amex Plat - NSPL
Chase Sapphire Reserve - 15k
Chase Marriott Rewards Preferred - 15k
Discover IT - 11.5k
Citi AA Advantage Executive Elite - 22k
Citi Prestige 13.5k
FNBO TravElite Amex 8k



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