I was Pre qualed for the Chase Freedom and Slate, Sent through app on Freedom got instant approval $2500 CL, Figured what the heck and applied to Slate as well, got the 7-10 day message. Called two days later to follow up and credit analyst said I was denied due to too many Inquiries ( we just bought a house and a few months ago i tried for a another card) and due to a few collections. I was totally okay with that as I have been rebuilding my credit for the last 3 years and getting the freedom was a HUGE win for me. I was kind to the guy and said thanks so much Ill try back in 6 months to a year. That was the end of that... well I recieved the denial letter in the mail and the same day got an email saying welcome to your SLATE card. I called the # to check app status and it said I was APPROVED for $2,000. I dont know if my kind conversation and honestly made him change his mind or what but I guess I got both now! CL's are'nt large but these are my first credit cards in years and It feels so good! Needless to say, never be afraid to call for recon, you might get a surprise!
Score at Building Journey started:
Nov 2013 - Score 441
Sept 2016 - Score 636
Slowly building!
2 Collections
1 Paid Judgement
8-9 Late Pays
AU on 3 CC's for last 6 Months