本帖最后由 keithsw 于 2022-4-8 16:44 编辑 2月15号申请 用的ITIN 华美信用卡已经用了一年多，按道理不应该秒拒，除非是上报的信用局跟Chase审核的不一样。
如果有大佬能列举一下常申请的信用卡对应哪些信用局区分一下，感激不尽, 让大家少走的点坑。
以下是信件的原文：
一
Thank you for applying for a new CHASE FREEDOM Visa Pialinum account. We reviewed your application,and we're unable to approve this account for you at this time. We know this isn't the answer you were hoping
for. and we'd like to give you more information about our decision.
We based our decision on the followin g rea&on(s)
• Not enough accounts opened long enough to establish a credit history
• Insufficient balance in deposit and investment accounts with us
Details about the credit bureau and credit score we used to make this decision are included at the end of this
letter. This information can help to build awareness around credit health, which is an important part of being
approved for a future application.
We have a free tool that can help
Chase Credit JourneySM
is our credit education resource where you can:
• Explore personalized resources to help you build and maintain your credit.
• See your latest credit score for free anytime, without affecting your credit.
• Gain insights into your credit health and how certain factors affect your score,
• Receive alerts to help protect your credit and identity.
You can enroll in Credit Journey at chase.com/CreditJourney. You don't have to be a Chase customer to get
started.
We appreciate your interest.
Sincerely,
Chase Card Services
二
We used information from your credit report
Our credit decision was based in whole or in part on information obtained in a report from the consume reporting agency listed below . You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency . The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.
EXPERIANPO BOX 2002ALLEN . TX 75013-0036( 888 ) 397-3742
HTTP:/NWW.EXPERIAN.COM/REPORTACCESS
We also used your credit score
Your credit score is a number that reflects information in your credit report , such as whether you pay your bills on time and how much you owe creditors . When this information changes , your credit score also changes
Scoring system name: Card Acquisition Risk Score V2
Source:JPMorgan Chase Bank , N A
Date calculated:03 / 25 / 2022
Your credit score:701
Scores calculated using this source can range from a low of 250 to a high of 900 ( higher scores are belter )
Here are the key factors that adversely affected your credit score
·Length of time since the oldest credit card established
·Total available credit on credit cards
·Number of requests for new credit in the past 3 months
·Average age of credit cards
FAIR CREDIT REPORTING ACT NOTICE
Under the Fair Credit Reporting Act , you also have a right to a free copy of your report from the reporting agency , if you request it no later than 60 days after you receive this notice . In addition , if you find that any information contained in the report you receive s inaccurate or incomplete , you have the right to dispute the matter with the reporting agency
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race , color , religion , national origin , sex , marital status , age ( provided the applicant has the capacity to enter into a binding contract ) : because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act . The Federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection , 1700 G Street NW , Washington , DC 20006
大家不要咬文嚼字 因为咬文嚼字只会浪费时间 就事论事就好了 无非我发的求助问答只是想要一个答复，而不是争吵 我承认大家都很厉害 希望能回到这个原因去分析华美的上报的信用局是哪个？Chase审核依据的信用局是哪个？是不是因为Chase审核依据的信用局本来就没有我华美的信用报告 
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