According to credit karma, I have a credit score of 673. The only thing I have on there is 6 good standing student loans with the average age of 1 yr and 11 months. I applied for the chase freedom unlimited card and got denied for: no general purpose credit card, balances on accounts are high compared to credit extended, average age of accounts reported within 6 months is too short. My situation/argument for what I’m planning to say will be: I want to build credit while earning rewards in the process. I’d rather try to build a long history with this card than get a starter one and reapply for the same card a year or two later, especially since there’s a chance I would want to pair this with a chase sapphire card in the future. I make $27k a year and I have no bills besides my student loans which is about $10k-$11k. The monthly payments are about $110 a month but I can pay them off a lot quicker. I don’t pay for rent/car/phone/internet or anything besides these loans.
Are these good arguments for reconsideration and is there anything to add? How good are my chances of getting approved?
Submitted January 06, 2019 at 08:47AM by ToyMachine471 http://bit.ly/2FcJ0CX
