Chase recon is the best. Got approved for Chase Freedom with a bad score of 607 in April, even though for a small CL of 500$ only. Trust me, call the recon number right away and explain your situation, mostly it will work, depends on who you get at the other end, fortunately I got a very sweet lady who completely listened to what I had to say. I got a bad score of 607 then because I started using Credit only in March 14, even though I banked with Chase from Dec 12. Even though I called after I got the denial letter, I have heard that the recon works just after applying also.I still cant believe I got approved, even though it says Freedom requires excellent credit scores.
And don’t think you cannot. If I can, you very well can.
Now my score is 667 only in the matter of 3 months. Key is nothing but low utilization and PIF before due date. I have heard about 80-20 rule to get 20% balance onto the next statement from my BoA rep, but I don’t believe how much that is efficient. Keep balance below 5% , (the best number is 7%) just before the statement comes. Otherwise my card is always maxed out to get the UR points.
Good luck !!