Chase Freedom Rise or Unlimited | SpinGraph: None
SpinGraph analysis of Reddit r/CreditCards's Chase Freedom Rise or Unlimited story: none, none, Spin Score 0%, low AI repetition risk.
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credit settlement, Chase credit denial, post-default eligibility
User defaulted on two Chase cards 9 years ago due to medical issues and settled the debt 8 years ago. Current credit score is 745, utilization is 1%, and total available credit exceeds $60K. Despite 5+ years of checking account relationship and strong metrics, user receives no Chase credit card offers.
Emphasizes lived experience and systemic ambiguity; minimizes institutional explanation or justification.
Consumer testimony — positions the user as evidence of opaque credit access rules, not as a case study for product promotion or policy advocacy.
A Reddit user says Chase won’t offer them a credit card despite good credit and a long banking relationship after settling past debt.
Chase’s official re-eligibility guidelines; Whether application was formally submitted vs. offer-based denial; Presence or absence of recent inquiries, derogatory marks beyond settled accounts
No credibility signals are deployed; the post relies solely on authenticity of voice. It makes no claim about scale or causality, so there’s no tension between claims and validation — only an unresolved question.
Chase won’t offer me anything despite my 745 credit score, 1% utilization, $60K+ available credit, and 5+ years of checking account relationship.
Nowadays, my score is 745 with 1% utilization and over 60k in available credit overall but chase won’t offer me anything. I also bank with them and have had my DD with them for over 5 years and nothing.
Extracted statistics from the source narrative
FICO score reported by user; above average but below prime threshold for some premium products
Indicates low revolving debt usage — typically favorable for underwriting
Exceeds standard 7-year credit reporting period for settled accounts