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Chase Discounts, Deals and Coupon Codes

Denied by Chase Slate for High Credit Card Utilization

executivedealer 389 November 21, 2012 at 11:33 AM in Computers (2) More Chase Deals

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I have a credit score in the mid 700s, no late payments, and clean credit history overall.

I was recently denied by a Chase credit recon analyst for high credit card utilization. Other than the obvious of lowering my current credit card utilization, is there anything else I can do for them to reconsider and at least give me a small credit limit to start out with?

My debt is basically that of my father and sister, who I stupidly and ignorantly signed up for under my name and they are still paying it off.

Discover More Card - 9k credit limit, currently at 7.9k
Lowes Consumer Credit Card at 3.6k.

All and every other debt I've paid off within the past year. I do also have a Chase bank account which I recently acquired.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.


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Had I known Chase Freedom was the starter card, I would've signed up for that. Is it possible to "transfer" my application to a different card - in this case from Chase Slate to Freedom for eligibility without incurring another hard inquiry?
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Rejected with two credit card applications. I'm done applying for anything until I get everything down. It's amazing how they put almost no consideration into the 20k+ or so debt I've already paid off since establishing credit since 2004. No late payments either.
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