topic Re: Shot down for Chase Amazon? in Credit Cards

Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 04:27:19 GMT

I've been terrible. I've apped again. This time, for Chase Amazon. I had a good reason (we all do). I've come to the decision to close my Capital One card (extremely rude CSR omg) Anyway I've decided to take my business to Chase. I got approved for Freedom at 3k a few days ago so I said HEY I would like two VISAs and just close my CAP1 card out since Chase gave me a generous limit.

Unfortunately I got that 30 day message saying my application required further review. I'm sensing a denial here or maybe their identity system is detecting two applications and requiring identity verification? The recon analyst are gone for the day so I'll probably check back tomorrow. Wish me luck! I am not taking no for an answer after taking another HP!

I need app AA ASAP. Lol.

Re: Shot down for Chase Amazon?

kobe2012 — Sat, 13 Oct 2012 04:26:32 GMT

Im sure you'll be ok... are they open weekends??

Re: Shot down for Chase Amazon?

Epcot — Sat, 13 Oct 2012 04:27:38 GMT

Keep us updated!

Re: Shot down for Chase Amazon?

navigatethis12 — Sat, 13 Oct 2012 04:31:14 GMT

Chase's computer will usually deny an application if you submitted an application within thirty days, and they usually do not even check credit when this happens. I got the same thing and it took five minutes to get approved for another card.

Re: Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 04:37:09 GMT

navigatethis12 wrote:
Chase's computer will usually deny an application if you submitted an application within thirty days, and they usually do not even check credit when this happens. I got the same thing and it took five minutes to get approved for another card.

Oh good! So there's hope! I hope they used the same report to make their decision then!! I'll definitely call them in the AM to recon!

Re: Shot down for Chase Amazon?

nenuco — Sat, 13 Oct 2012 04:40:12 GMT

navigatethis12 wrote:
Chase's computer will usually deny an application if you submitted an application within thirty days, and they usually do not even check credit when this happens. I got the same thing and it took five minutes to get approved for another card.

I just got approved for two personal Chase cards. To have a good possibility you usually have to apply on the same day, if not you will most likely get a message saying you have to wait to apply for another card. Good Luck though :)

Re: Shot down for Chase Amazon?

CruzImperial — Sat, 13 Oct 2012 04:50:34 GMT

I hope you give a good recon and get approved for it!

If CapOne is not worth your business/won't raise your limit and there's no AF, try to sockdrawer them. If not, axe it!!

Best of luck! :D:D

Re: Shot down for Chase Amazon?

youngandcreditwrthy — Sat, 13 Oct 2012 16:11:42 GMT

Pahahaha! We're all credit addicts!! I'm still app free since... Oct 1st hahha. I'm anxious to get my first Amex bill, wooooo!!!!

Re: Shot down for Chase Amazon?

flowfaster — Sat, 13 Oct 2012 16:29:31 GMT

maiden_girl wrote:
navigatethis12 wrote:
Chase's computer will usually deny an application if you submitted an application within thirty days, and they usually do not even check credit when this happens. I got the same thing and it took five minutes to get approved for another card.
Oh good! So there's hope! I hope they used the same report to make their decision then!! I'll definitely call them in the AM to recon!

Yeah, you will most likely have to call in. The Chase computer will deny you if your apps are too close together. That happened to me a while ago and when I called in she said she would make "an exception":smileyindifferent: for me and do a manual review.

So all hope is not lost but if you wait for the letter it will probably be a denial. Plus screw waiting 30 days.

Re: Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 16:34:07 GMT

Little update here...

So apparently a recon was not necessary. I received this in my inbox this morning.

Congratulations! You have been approved for the Amazon.com Consumer Rewards Visa® Card. Your new card has been automatically added to your Amazon.com account as your default payment method. Before using your card, obtain your cardmember agreement and other important information about your account through the link below. Once you have obtained your cardmember agreement, you can start using your card immediately.

I guess they really did need additional time to process my application. I even double checked my Amazon account and the card has been added as a default payment with a little nice surprise...a $30 gift card! Mahah! I am shocked by the credit line however---$1,500 wth. It's a bit off from my CL on my freedom card (3k). I am going to call and ask Chase to match my Chase Amazon and Chase Freedom. Would they have to HP my credit again? And should I do it before or after I activate my card?

Re: Shot down for Chase Amazon?

flowfaster — Sat, 13 Oct 2012 16:47:13 GMT

huh whadya know. Congrats and that just goes to show that just about everything is YMMV. Make sure you request the BLACK CARD!!!!

Re: Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 16:49:48 GMT

I actually requested the blue card! I liked it a lot better. You can request the 3 colors at the time of your application...I don't know who the hell would carry around that loud lime green one. It was really only two sensible choices. LOL.

Re: Shot down for Chase Amazon?

navigatethis12 — Sat, 13 Oct 2012 16:52:54 GMT

maiden_girl wrote:
Little update here...

So apparently a recon was not necessary. I received this in my inbox this morning.

Congratulations! You have been approved for the Amazon.com Consumer Rewards Visa® Card. Your new card has been automatically added to your Amazon.com account as your default payment method. Before using your card, obtain your cardmember agreement and other important information about your account through the link below. Once you have obtained your cardmember agreement, you can start using your card immediately.

I guess they really did need additional time to process my application. I even double checked my Amazon account and the card has been added as a default payment with a little nice surprise...a $30 gift card! Mahah! I am shocked by the credit line however---$1,500 wth. It's a bit off from my CL on my freedom card (3k). I am going to call and ask Chase to match my Chase Amazon and Chase Freedom. Would they have to HP my credit again? And should I do it before or after I activate my card?

Great. I requested in increase on a Chase card two days after and it was another hard pull. The representative (not an analyst) said it would not be since they just pulled in thirty days, but he was incorrect. There is never any harm in trying though.

Re: Shot down for Chase Amazon?

nenuco — Sat, 13 Oct 2012 16:55:22 GMT

maiden_girl wrote:
Little update here...

So apparently a recon was not necessary. I received this in my inbox this morning.

Congratulations! You have been approved for the Amazon.com Consumer Rewards Visa® Card. Your new card has been automatically added to your Amazon.com account as your default payment method. Before using your card, obtain your cardmember agreement and other important information about your account through the link below. Once you have obtained your cardmember agreement, you can start using your card immediately.

I guess they really did need additional time to process my application. I even double checked my Amazon account and the card has been added as a default payment with a little nice surprise...a $30 gift card! Mahah! I am shocked by the credit line however---$1,500 wth. It's a bit off from my CL on my freedom card (3k). I am going to call and ask Chase to match my Chase Amazon and Chase Freedom. Would they have to HP my credit again? And should I do it before or after I activate my card?

Congrats! You could call CS if you want, but you have to think of it as Chase extending you a total of $4,500 not two separate lines (if that makes sense), as they are both new cards. I personally would not call them until the 6 month mark, when you have more history with them. On another note, I think Chase has been awesome about letting people open (2) personal cards in a short time frame. This use to be highly unlikely, leading to a lot of myths revolving around this very subject. So CONGRATS and treat them well!

Re: Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 17:00:33 GMT

nenuco wrote:
maiden_girl wrote:
Little update here...

So apparently a recon was not necessary. I received this in my inbox this morning.

Congratulations! You have been approved for the Amazon.com Consumer Rewards Visa® Card. Your new card has been automatically added to your Amazon.com account as your default payment method. Before using your card, obtain your cardmember agreement and other important information about your account through the link below. Once you have obtained your cardmember agreement, you can start using your card immediately.

I guess they really did need additional time to process my application. I even double checked my Amazon account and the card has been added as a default payment with a little nice surprise...a $30 gift card! Mahah! I am shocked by the credit line however---$1,500 wth. It's a bit off from my CL on my freedom card (3k). I am going to call and ask Chase to match my Chase Amazon and Chase Freedom. Would they have to HP my credit again? And should I do it before or after I activate my card?
Congrats! You could call CS if you want, but you have to think of it as Chase extending you a total of $4,500 not two separate lines (if that makes sense), as they are both new cards. I personally would not call them until the 6 month mark, when you have more history with them. On another note, I think Chase has been awesome about letting people open (2) personal cards in a short time frame. This use to be highly unlikely, leading to a lot of myths revolving around this very subject. So CONGRATS and treat them well!

I guess you're right. Well now that I have the 3k limit, I'd rather have it be on Freedom since it has the most rewards. Maybe i'll wait and see if they give me an AUTO CLI in a few. I have some usage coming up for the holiday season.

Re: Shot down for Chase Amazon?

nenuco — Sat, 13 Oct 2012 17:11:28 GMT

Usually when getting approved for a credit card, a lender has already given you the highest CL they are willing to extend at that moment. So I don't see the point of wasting another HP. Of course like anything else related to credit YMMV, but it seems to be the general rule.

Re: Shot down for Chase Amazon?

webhopper — Sat, 13 Oct 2012 19:50:17 GMT

I think 1500 is a nice starting limit... and a great improvement over cap 1. Garden your new cards and I'm sure they will grow with you!

Re: Shot down for Chase Amazon?

tinuviel — Sat, 13 Oct 2012 19:56:40 GMT

webhopper wrote:
I think 1500 is a nice starting limit... and a great improvement over cap 1. Garden your new cards and I'm sure they will grow with you!

+1. Congratulations on the approval, maiden_girl. :)

Re: Shot down for Chase Amazon?

maiden_girl — Sat, 13 Oct 2012 20:12:23 GMT

Thanks everyone! :smileywink:

Re: Shot down for Chase Amazon?

Epcot — Sat, 13 Oct 2012 23:46:39 GMT

That's great, Congrats!