topic Re: Chase denial, recon, approval! in Credit Cards

Chase denial, recon, approval!

clocktick — Wed, 11 Apr 2012 02:22:50 GMT

I finally applied for an airline card - the United Mileage Plus Explorer Visa card. I got a 14-30 day response so I kept calling the app status line to see if it would change. I finally called a number I saw on a thread here and talked to a very nice guy. He told me I was declined and looked at my report and said he couldn't understand why. He put me on hold and when he came back he first said it was because I had applied for the Freedom in under a year (10 months ago - had to recon that denial too!). Then he left and came back and asked me to explain a 10-year old Chase baddie that is not even on my reports. I told him I honestly do not remember ever having a Chase card back then (but I didn't deny it, I burned some cards back then), but that I treat my finances a lot differently now than I did 10+ years ago.

Anyway, he kept looking and said he liked the fact that I have an American Express and he liked that I had a BOA high limit card (I closed it a while ago, it was a secured card). He said he'd put in for a reconsideration for $5000 (I think that's the minimum). I called the line later last night and it's approved! I'm pretty happy even though I'm still learning about these points/miles!

I want to thank Open123 for explaining it all to me to help me better understand what I'm getting into. CSP should be next! This is 2 Chase denials/recons/successes! They are tough sometimes!

Re: Chase denial, recon, approval!

john398 — Tue, 10 Apr 2012 20:49:33 GMT

Congrats seems like Chase is becoming like Barclayys sucess after recon, I also had sucess with a chase initial decline but for the Disney Visa

Re: Chase denial, recon, approval!

improvingmycredit — Tue, 10 Apr 2012 16:44:03 GMT

Congrats! Nothing like fighting for what you want. Makes it all that much more enjoyable when you get it. I'm very happy for you. Great CL too!

I'm like you- CSP is my next card. I'm apping for it in April of next year. :)

Re: Chase denial, recon, approval!

webhopper — Tue, 10 Apr 2012 16:57:45 GMT

clocktick wrote:
I finally applied for an airline card - the United Mileage Plus Explorer Visa card. I got a 14-30 day response so I kept calling the app status line to see if it would change. I finally called a number I saw on a thread here and talked to a very nice guy. He told me I was declined and looked at my report and said he couldn't understand why. He put me on hold and when he came back he first said it was because I had applied for the Freedom in under a year (10 months ago - had to recon that denial too!). Then he left and came back and asked me to explain a 10-year old Chase baddie that is not even on my reports. I told him I honestly do not remember ever having a Chase card back then (but I didn't deny it, I burned some cards back then), but that I treat my finances a lot differently now than I did 10+ years ago.

Anyway, he kept looking and said he liked the fact that I have an Amexerican Express and he liked that I had a BOA high limit card (I closed it a while ago, it was a secured card). He said he'd put in for a reconsideration for $5000 (I think that's the minimum). I called the line later last night and it's approved! I'm pretty happy even though I'm still learning about these points/miles!

I want to thank Open123 for explaining it all to me to help me better understand what I'm getting into. CSP should be next! This is 2 Chase denials/recons/successes! They are tough sometimes!

Congrats on the approval :) On a side note, I had to call Chase yesterday due to a mix up, my CSR also did a softie on my report and mentioned that I did have new accounts, (Amex) but that Chase isn't concerned with those new accounts actually look good on my report.

I'm wondering if an Amex account actually helps you get in with Chase :smileywink:

Re: Chase denial, recon, approval!

teenastie — Tue, 10 Apr 2012 20:48:15 GMT

clocktick wrote:
I finally applied for an airline card - the United Mileage Plus Explorer Visa card. I got a 14-30 day response so I kept calling the app status line to see if it would change. I finally called a number I saw on a thread here and talked to a very nice guy. He told me I was declined and looked at my report and said he couldn't understand why. He put me on hold and when he came back he first said it was because I had applied for the Freedom in under a year (10 months ago - had to recon that denial too!). Then he left and came back and asked me to explain a 10-year old Chase baddie that is not even on my reports. I told him I honestly do not remember ever having a Chase card back then (but I didn't deny it, I burned some cards back then), but that I treat my finances a lot differently now than I did 10+ years ago.

Anyway, he kept looking and said he liked the fact that I have an Amexerican Express and he liked that I had a BOA high limit card (I closed it a while ago, it was a secured card). He said he'd put in for a reconsideration for $5000 (I think that's the minimum). I called the line later last night and it's approved! I'm pretty happy even though I'm still learning about these points/miles!

I want to thank Open123 for explaining it all to me to help me better understand what I'm getting into. CSP should be next! This is 2 Chase denials/recons/successes! They are tough sometimes!

That is an earth shattering, ground breaking, flood gates opening statement there!!! I will closely monitor other success stories related to one's like this.

Re: Chase denial, recon, approval!

teenastie — Tue, 10 Apr 2012 20:50:26 GMT

john398 wrote:
Congrats semems like Chase is becoming like Barclayys sucess after recon, I also had sucess with a chase initial decline but for the Disney Visa

Prior to finding this community it was widly known in other circles that Chase is pretty good with recons. I wasn't familir with Barclays until after I found this site :smileyhappy:

Re: Chase denial, recon, approval!

Open123 — Tue, 10 Apr 2012 23:42:03 GMT

clocktick wrote:

I want to thank Open123 for explaining it all to me to help me better understand what I'm getting into. CSP should be next! This is 2 Chase denials/recons/successes! They are tough sometimes!

You're welcomed.

The UA is a great airline card loaded with very unique perks and benefits. When combined with the CSP, you can have approximately 100k UA miles (good for a business class flight to just about any destination) which would otherwise take a couple of years to earn.

Congrats on your new card!

Re: Chase denial, recon, approval!

brandoncraig — Tue, 10 Apr 2012 23:49:06 GMT

Congrats, great story!

I've had a good run-in with Chase recently. I was approved for a Chase Freedom earlier this mornth...but with only a $500 CL. This was much too low to be of any real benefit so I used the back door number for the Chase Executive Ofc. in IL and requested an increase to $1500. The lady said she had to send it over to the lending dept. and would be back to me within a day. She called me in a few hours and said I'd been aproved for the increase. Chase ain't so bad after all.

Re: Chase denial, recon, approval!

clocktick — Wed, 11 Apr 2012 02:28:21 GMT

teenastie wrote:
That is an earth shattering, ground breaking, flood gates opening statement there!!! I will closely monitor other success stories related to one's like this.

Can you elaborate what you mean?

Oddly enough (or not), they mentioned this supposed "baddie" with my Freedom recon first. I have also previously had a Chase checking account and 2 former car loans through them. I NEVER remember having an old Chase card. Hmmm....

Re: Chase denial, recon, approval!

teenastie — Wed, 11 Apr 2012 02:40:46 GMT

clocktick wrote:
teenastie wrote:
That is an earth shattering, ground breaking, flood gates opening statement there!!! I will closely monitor other success stories related to one's like this.
Can you elaborate what you mean?

Oddly enough (or not), they mentioned this supposed "baddie" with my Freedom recon first. I have also previously had a Chase checking account and 2 former car loans through them. I NEVER remember having an old Chase card. Hmmm....

I sure can...

Chase is notorious for denying anyone with prior deliquents with Chase or any company Chase devoured during their acquisitions (Wamu, Providian et al). The best I've ever heard from someone who sucessfully reconned a blacklist decision was a $500 slate card (those are few and far between and the CLs never grow). The fact that you were approved for a freedom, with a decent limit with a prior Chase baddie makes you a pioneer regarding Chase's blacklisting, and reconning policies. This is news I've not heard of in my research of thousands of post read (here, and other sites) over the past couple of years. It could have been a really nice rep, or better yet Chase softening their requirements for getting back in their good graces. I hope to hear more stories like this in the future as it could give me a glimmer of hope to get in with them as opposed to using DWs Freedom :smileytongue:

Re: Chase denial, recon, approval!

SamsungHDTV — Wed, 11 Apr 2012 05:21:40 GMT

teenastie wrote:
clocktick wrote:
teenastie wrote:
That is an earth shattering, ground breaking, flood gates opening statement there!!! I will closely monitor other success stories related to one's like this.
Can you elaborate what you mean?

Oddly enough (or not), they mentioned this supposed "baddie" with my Freedom recon first. I have also previously had a Chase checking account and 2 former car loans through them. I NEVER remember having an old Chase card. Hmmm....
I sure can...

Chase is notorious for denying anyone with prior deliquents with Chase or any company Chase devoured during their acquisitions (Wamu, Providian et al). The best I've ever heard from someone who sucessfully reconned a blacklist decision was a $500 slate card (those are few and far between and the CLs never grow). The fact that you were approved for a freedom, with a decent limit with a prior Chase baddie makes you a pioneer regarding Chase's blacklisting, and reconning policies. This is news I've not heard of in my research of thousands of post read (here, and other sites) over the past couple of years. It could have been a really nice rep, or better yet Chase softening their requirements for getting back in their good graces. I hope to hear more stories like this in the future as it could give me a glimmer of hope to get in with them as opposed to using DWs Freedom :smileytongue:

As a matter of fact, I had a client today who had a CO a long time ago with Providian and was denied a CC. His scores are roughly 740, and his income is above six figures. I'm actually going to recon for him when I get into the office on Thursday. Keep in mind, I've only recently learned about blacklisting. Furthermore, I have never tried this for a client, but I'm hoping we can make exceptions like this more often.

Re: Chase denial, recon, approval!

clocktick — Wed, 11 Apr 2012 11:06:44 GMT

That must be it!

About 10 years ago I had a charge-off with Providian (settled/paid), which in turn said Wamu on my reports, which eventually said Chase before it fell off. I can't believe I never thought of that! Wow, so Chase considers that a charge-off with them??

Re: Chase denial, recon, approval!

Open123 — Wed, 11 Apr 2012 15:44:07 GMT

clocktick wrote:
That must be it!

About 10 years ago I had a charge-off with Providian (settled/paid), which in turn said Wamu on my reports, which eventually said Chase before it fell off. I can't believe I never thought of that! Wow, so Chase considers that a charge-off with them??

Like most institutions, they view the a portion of "existing" clients from takeovers as undesirable.

Like all firms, they value more "legacy" clients who were acquired through their own channels and standards. When Citi started taking over all the regional banks, many of those smaller bank clients were viewed as less desirable than the Citi Legacy clients.

BofA will blacklist those who had defaulted with MBNA after taking them over. It isn't an unusual practice.