Applied with a CK 687, Experian 730, Equifax FICO 724. Perfect record, 8 months of credit history. I was denied due to insufficient credit history. I called the reconsideration number to speak with a personal credit analyst (888-245-0625). I was surprised when the analyst said I still could not be approved. Chase will pretty much always approve an applicant who calls that number asking for a reconsideration. I called again and was told that I could not be approved because Chase will not approve an application for someone with less than 2 years of credit history, even with a prefect record. (Kudos to Chase for lending responsibly.) I then wrote a letter to the executive office making a case for my short but flawless credit history. Today I received an e-mail congradulating me on approval and informing me that my card is in the mail. Great card, but if you have less than two years credit history, expect a long uphill fight to get this card, even with good credit. I was told "no" three times before I got the application approved.
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