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@Bay_Area_Joe wrote:Good news..
Called this morning to make sure they didn't need anymore information.
Had a nice USA male analyst review all the documents I sent in.
He came back with APPROVED.....
Only 5k limit but I will take it...
J
Congrats (saving some limit from freedom to transfer if want higher Ink card).
@chbartel wrote:
@Bay_Area_Joe wrote:Good news..
Called this morning to make sure they didn't need anymore information.
Had a nice USA male analyst review all the documents I sent in.
He came back with APPROVED.....
Only 5k limit but I will take it...
J
my only suprise here is the $5k limit?
Chase is a strange beast at times.
I applied for a Ritz card a few days ago, instant $16k approval.
I apped for a Chase business card at same time, got the 7-10 day message. I called in, not afraid of what analyst would ask me, I had my quickbooks file pulled up while on the phone and answered all their questions. Move about $800k a year through my Chase business account(I have had for about 4 years). He didn't even care about that and said that didn't matter? Income is in the $200k-$225k range, and each of the past 3 years have had increases(real estate sales).
I told him I had $50k business credit cards with Sams Club and BJ's Wholesale and that I could fax over copies of my satements showing this. I told him I wanted to start using Chase instead of those two cards. He said it woulnd't matter...
My business credit is perfect, 13 tradelines reporting.
After about 25 minutes on the phone answering all his questions, he ended up saying it's denied mainly because some of my credit is too new and to many inquiries the past 12 months on personal side....said to app again in 6 months or 12 months
It's usually an instant approval (well, wait for the phone message to change approval) on the second app. Rep probably did not want to extend beyond a certain portion of credit at the time. Many factors in play. If want higher limit, just move some from a personal card.