SouthFayetteFan
Saving Money on Disney Vacations since 2006
- Joined
- Sep 6, 2014
The low move by Chase though was cancelling the Freedom which she was using and paying. I think I shouldn’t have had her recon the Disney card - I actually think that caused the shutdown. Her reason for wanting the card was a Disney trip and the Disney benefits which was great reasoning.I would think that's a big part of it. They'd want to know why she needs it all now after that long of no report. And if she paid her balance in full with only a few months of credit history and now she needs another card when they weren't really sure they wanted to give her the first one. I can see their point and why that would trigger a more thorough look than an 18 year old with no credit or some due to being an AU waiting a few months because they are building their credit and are more likely seen as someone that will pay interest. It sucks but in some ways I don't blame chase, it seems like it could be bust out because why would she care after having not had a credit report for her entire adult life thus far.
The sad part...the recon rep on the Disney card recommended approval - and instead she ends up with a shutdown letter. It really was a crap move by Chase in my book - just let her keep the Freedom with her low CL and prove she can be a good customer. They definitely burned a customer for life there (and she’d have probably just used that freedom on everything lol - their “dream” customer happy to earn 1% back).