Chip Lupo, Credit Card Writer
@CLoop
Your Chase Freedom Flex application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Chase explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Chase's reconsideration line at 1-888-609-7805 to explain why you think they should reconsider approving your application.
Possible Reasons Your Chase Freedom Flex Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
If your credit score is less than good, then you don’t meet the minimum credit score requirement for the Chase Freedom Flex. To see which cards you can qualify for, check your credit score for free here on WalletHub and use our CardAdvisor tool to consider your personalized card options.

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