Thread: Credit score required for Chase Freedom?

Hi all. I'm new to the forum and new to building up my credit. Within the past couple days I have done a lot of research on how to get a good credit card after foolishly applying for an AmEx card on my first try.

This forum has been a great help for me, especially with the backdoor reconsideration numbers.

I'm 21 years old with a very thin file, but I do have an old collections account from when I was 19 and had an unpaid medical bill. After applying with AmEx they told me I had a 659 Experian FICO score and not enough credit history to be approved for their Blue card.

I applied for the Chase Freedom last night and got their polite dismissal response saying they would contact me withing 7-10 business days.

However I called their backdoor recon line and spoke to a couple very polite people who reviewed my application and approved me. It's not a high CL, but I'll take it since it's my first card!

Do you think I should call an AmEx backdoor and ask them to recon me for their zync card or an easier to get one?

Hello all,

I'm re-applying for chase freedom.

- rejected in mid-october
- credit score 720 sa of today at credit karma
- have one secured card with $300 credit line
- got checking and savings accounts at chase
- annual income 60K

any chance?

Thanks,
B

What number are y'all calling when you call for the recon? How long is it best to wait after being denied to call for a recon?