Call Chase once now about the same application, but if the written reason is simply your very new credit history, stop there and build the Freedom card before trying again.

Card Customer Service: 1-800-432-3117

(a)(1)(i), (a)(2)(i)-(ii)

**(i)** 30 days after receiving a completed application concerning the creditor's approval of, counteroffer to, or adverse action on the application; **(i)** A statement of specific reasons for the action taken; or **(ii)** A disclosure of the applicant's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor's notification.

If you were turned down for a loan or a line of credit, the lender is required to give you a list of the main reasons for its decision or a notice telling you how to get the main reasons. Give you the name, address, and telephone number of the credit reporting company that provided the report Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice

(a)(1)(i), (b)(1)

( i ) _Consideration of ability to pay._ A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers the consumer's ability to make the required minimum periodic payments under the terms of the account based on the consumer's income or assets and the consumer's current obligations. ( 1 ) _Applications from young consumers._ A card issuer may not open a credit card account under an open-end (not home-secured) consumer credit plan for a consumer less than 21 years old, unless the consumer has submitted a written application and the card issuer has: ( i ) Financial information indicating the consumer has an independent ability to make the required minimum periodic payments on the proposed extension of credit in connection with the account; or ( ii ) ( A ) A signed agreement of a cosigner, guarantor, or joint applicant who is at least 21 years old to be either secondarily liable for any debt on the account incurred by the consumer before the consumer has attained the age of 21 or jointly liable with the consumer for any debt on the account; and ( B ) Financial information indicating such cosigner, guarantor, or joint applicant has the ability to make the required minimum periodic payments on such debts, consistent with paragraph (a) of this section.

(a)

Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis.

Most credit scores consider repayment history as the number one factor for building a strong credit score. Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low compared to your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You don’t need to carry a balance on credit cards to get a good score. Paying off the balance in full each month helps get you the best scores and keeps your interest costs as low as possible. Credit scores are based largely on how you manage credit accounts over time. If you apply for a lot of credit over a short period of time, it may appear to lenders that you are dealing with financial setbacks.