Chase Business Denied on Recon

[Anonymous]

App went pending, called and denied.

Stated reason was too many recent credit cards (other slew of words, but that's what it boiled down to).  Wasn't the 5/24mo rule, as he said we want to see how you handle that before we can extend new credit or approve a new card (which sounds like, not going to move CL over).

I've had 3 cards USAA (21.8k), USAA Secured (250), and Military Star (8.4k) all for 4-5 years.  In the last 4 months or so I've applied and been approved for CSP (10k), Freedom (3.5k), Arrival+ (5k), Korean Air (9k).  I intend to close the Korean Air, and now probably Arrival+, at AF.

Should I try calling again, or just wait and try applying again in a few months?  Reason I was applying now is I have a 1.2-1.5k expense that needs to be paid in about 2 weeks, and a possible 3k expense (reimburseable) within 90 days.  Figured, might as well go for the next card I wanted when I know I can easily hit the min spend.

[Anonymous]

Sorry about the denial.. You can try calling again but Chase business recon is very firm on their denials and not easy to overturn like the personal cards.  I suggest you wait for your new accounts to age and then have at it again.

[Anonymous]

Seems that way, wouldn't even accept splitting my CSP CL.

What would be a good amount of time to wait?  2-3 months, so they cards are all over 6mo old, more?

[Anonymous]

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@Anonymous wrote:

Seems that way, wouldn't even accept splitting my CSP CL.

What would be a good amount of time to wait?  2-3 months, so they cards are all over 6mo old, more?

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I suggest you give it 6 months.. The more time you have between applications, the better.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Seems that way, wouldn't even accept splitting my CSP CL.

What would be a good amount of time to wait?  2-3 months, so they cards are all over 6mo old, more?

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I suggest you give it 6 months.. The more time you have between applications, the better.

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6 mo isn't too bad, I have a target number of UR for next summer and that 50k bonus will ensure I have enough.  Just have to look at what big spend I know I'll have around the end of the year so I can hit the bonus.  There's 2-3 other cards I'm interested in, but didn't plan to do anything until 3rd or 4th quater next year on those.

[Anonymous]

Chase can be really picky sometimes. I've gotten a denial from them that made no sense and really seemed to be them reaching for a reason to say no.