I just went through it and long story short, I wouldn't recommend anyone calling the reconsideration line. It was absolutely BRUTAL. I was denied of all things for having too many active accounts and too much available credit. After years of working hard, unfortunately a few bad marks were still on record because it has not been 7 years yet (close but not yet). Well, they rehashed all of that, asking why something was 30 days late 6 years ago, why this and that. Was hardly prepared for those questions but did the best I could. After pleading my case and being put through the ringer, I felt like I walked out of a job interview feeling like a loser. She said sorry. Still declined.. Fact of matter is Chase will nit pick you to death on everything. Unless you're perfect with an unblemished record, don't bother. They don't want your business and a customer (i do bank with them) shouldn't be treated this way. Apparently excellent credit and nearly 6 years of perfect payments and carrying low balances doesn't do the trick.
just wanted to give people some hope that if you initially get a 30 day response from chase and a couple of days later it changes to 7-10 days it doesn't necessarily mean a denial. For example in my case I applied on 12/18 for a chase freedom card got a 30 message from chase today I received a 7-10 day message I called the recon line got a identity verification line got asked one question about where I lived and that was all approved for $9500 credit line.
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