Chase Ink Plus ?

[n777ua]

So I'm a bit confused at to what just happened.  My scores are 800-810 FAKO, 0/0/1 INQ, total util less than 10% and about $200,000 total exposure, I have a couple of Chase personal cards opened a few years ago.  I decided to app for the Ink Plus b/c of the rewards, and I figured with my profile I'd be a shoe in.  Guess what ? INSTANT 7-10 day message, which turned into a 30 day message via email and over the automated line.

What the heck ? I know I'm credit profile arrogant, but seriously ? How could this possibly be a denial ? I'm afraid to call as I've seen ppl calling and getting shut down instantly.

[Anonymous]

---

@n777ua wrote:

So I'm a bit confused at to what just happened.  My scores are 800-810 FAKO, 0/0/1 INQ, total util less than 10% and about $200,000 total exposure, I have a couple of Chase personal cards opened a few years ago.  I decided to app for the Ink Plus b/c of the rewards, and I figured with my profile I'd be a shoe in.  Guess what ? INSTANT 7-10 day message, which turned into a 30 day message via email and over the automated line.

What the heck ? I know I'm credit profile arrogant, but seriously ? How could this possibly be a denial ? I'm afraid to call as I've seen ppl calling and getting shut down instantly.

---

What makes you think it's a denial?  That's a standard message when applying for the Ink+.  They never give instant approvals for the card.  No one is a shoe in for that card.  Remember it's a business credit card and they look at everything .

[plastic_man]

Whatever you do, wait it out. That's what I did. Approved after about 10 days or so.
Don't think just because you got 7-10 day message, it will be a denial . Keep us posted!

[Anonymous]

I applied last on Sunday and got my denial letter today. Called to recon and they were all about the numbers. No luck. 

[gingerflower]

Be patient and monitor your app status. Having the 7-10 days does not mean a denial. Wait it out!!

[n777ua]

Can you be more specific please?

---

@Anonymous wrote:

I applied last on Sunday and got my denial letter today. Called to recon and they were all about the numbers. No luck. 

---

[Anonymous]

---

@n777ua wrote:

So I'm a bit confused at to what just happened.  My scores are 800-810 FAKO, 0/0/1 INQ, total util less than 10% and about $200,000 total exposure, I have a couple of Chase personal cards opened a few years ago.  I decided to app for the Ink Plus b/c of the rewards, and I figured with my profile I'd be a shoe in.  Guess what ? INSTANT 7-10 day message, which turned into a 30 day message via email and over the automated line.

What the heck ? I know I'm credit profile arrogant, but seriously ? How could this possibly be a denial ? I'm afraid to call as I've seen ppl calling and getting shut down instantly.

---

The 7-10 days is not necessarily a denial.  Although you have an 800-810 FAKO, what are your real FICOs?  Is it in the 800s also?  Bear in mind, Chase isn't reliant on scores when approving a card but rather on their internal scores.

Do you have any Chase cards now?

[Anonymous]

I didn't see any mention of other new cards. Just making sure you know that Ink+ is under the 5/24 these days. That being said, I was approved after the 7-10 message (I think). Just wait it out. GL. 

[gingerflower]

+1 with Tortoisewins...Like I said earlier post Wait it out!

[brewcrew87]

I received the 30 day message as well.  My FICOs were in the 800 range with a couple of existing Chase cards.  I believe I was approved after 3 or 4 days.  I called the application status number each day for the automated message - but again, don't actually talk to anyone.  

Good luck.