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About LinkBacksHello everyone! I'm new to this forum so first, nice to meet you all! So let me tell you a bit about myself, I'm 20 years old college student and I have had only one credit card for about a year and a half (Citi Forward). I got the card mainly because I wanted to get a head start on building my credit history and I found out that you should have 2-3 cards because it helps improve your score. (Excuse me if I'm mistaken, I'm still in the process of learning.) I haven't missed a single payment and I pay off the complete balance every month. I figure I should get another card, I applied for Chase Freedom last night and I got the dreaded notification that the application was under review. I did research and found this website and the backdoor number (THANK YOU FOR THAT! :]), I called immediately (almost 5-10 minutes later) and spoke to this lady who told me it was rejected, I tried to plead my case with her but she said because of my limited credit history they couldn't approve it. I called again this morning, same number but different person and I pleaded my case once again telling them that I pay off my entire balance at the end of each month, I have even been granted a cli through Citi, and I have no "spots" on my credit report. Then I told her, what I think was the key to my argument, that they could give me a low starting credit limit, I wouldn't mind it at all! So she put me on hold and approved me with a credit limit of $1,000!
So if you do get, what I like to call the "we rejected your application but we'll say it's under review to give you some false hope" message, don't give up, BE PERSISTENT! I also wanted to express my thanks to this forum for the backdoor numbers, really useful! :]
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Green Member
- Join Date
- Dec 2010
- Location
- New York, NY
- Posts
- 4
My Chase Freedom Story As A College Student
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Platinum Member
- Join Date
- Nov 2010
- Location
- Boston
- Posts
- 62
It appears credit card approval rates are going up, the difference today that low limits are being given to those with questionable credit histories.
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Centurion Member
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- Jun 2008
- Location
- Smogland
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Congratulations on that. It shows persistence can pay off!
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. Regardless, anything I say is my honest opinion.
Current Cards: American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Citi Thank You Premier
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Green Member
- Join Date
- Jan 2011
- Location
- CT
- Posts
- 6
It would be spectacular if it was possible to negotiate for denials of less than perfect credit history. All of the creditors are so damn picky now it is hard to get approved for a credit card if there are anything and I do mean ANYTHING bad on file.
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Green Member
- Join Date
- Jan 2011
- Location
- New York
- Posts
- 1
Hi, I'm looking to contact Chase about my open application, could you please enlighten me to these "backdoor numbers"? Thanks!
Originally Posted by mooimabear
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Green Member
- Join Date
- Dec 2010
- Location
- New York, NY
- Posts
- 4
Hey! Sorry for the uber late reply. Go to this website: Originally Posted by manderson
Backdoor Numbers - FICO® Forums
Basically, rather than pleading your case with "Customer Service" you go straight through to the underwriters who, from what I understand at least, are the decision makers when it comes to the credit cards. If you get turned down, just call them from the number "Chase: 888-270-2127 (App recon)" and just plead your case with them. If it doesn't work, then call back the next day! You have to be persistent and make a good argument. I hope I didn't reply too late but this should surely help you in the future! GOOD LUCK MY FRIEND!
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Platinum Member
- Join Date
- Jan 2011
- Location
- sfdsf
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- 85
If you apply for a Chase, then it is almost certain you are central American. In that case, it is quite understandable they are hesitant to give you a decent sized credit at this time. The fact you admitted you have short history also makes this even more a scary risk for them.
I wonder if you had perhaps applied for something like a 5K limit at first.
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Green Member
- Join Date
- Feb 2011
- Location
- Mass.
- Posts
- 2
I had 21 late payments when I got a Freedom card with Chase. They were all over two years old, but my TU score was 660 with 40k in income. Originally Posted by datri79
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Green Member
- Join Date
- Jan 2011
- Location
- The United States of Greed
- Posts
- 20
There is nothing to congratulate about. Chase is shoving a credit card down the throat of a student who has no business with a card in the first place. Why is this happening when Nobama promised to close the door on predatory credit card lending for students. Did the Chase bankers and there lobbyists change Nobama's mind, that's what it appears to be. There was no reform the Wall St elite are still ruling thy kingdom and making us slaves to debt.
Cards: NONE!
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Green Member
- Join Date
- Jan 2011
- Location
- Chicago, IL
- Posts
- 7
I assure you chase is not shoving cards down anyone's throats right now. It was a total nightmare getting approved for a card and they are my bank. I was denied 6 months ago, and it took extreme finagling this time around to get approve for a very low limit. I am a college student as well with no debt, 30k income per year, and over $15,000 in savings with them. Was a total nightmare, also please don't assume that all students don't know how to manage a credit card. I feel I am living proof of that.
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