- Green Member
- Posts: 3
- Joined: Sun Dec 19, 2010 1:43 pm
- Location: New York, NY
Hello 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! :]