05-19-2017 09:11 AM
05-19-2017 10:04 AM
Others have reported that a 30-day answer is a good sign, indicating that your application will be approved and they just need more information (in which case you should by all means be proactive, call them and ask them if you can help them with gathering the data they need). The 7-10 day message is worrisome, on the other hand; 7-10 days is almost stereotypically a denial indicator. I'd call them to sort out which is which.
05-19-2017 10:21 AM
I applied for the same today and first it said 30 days and then switched to 2 weeks. Pulled EX 684 and TU at 710 with 2 paid charge offs; UTI is 10%, 6 cards in the last 3 months and AAoA is 3 years and 3 months. I called the Recon Line and they said it was denied. Asked for the recon and after being on the phone for 20 mins still DENIED. Reason: Too much available credit; not enough usage, too many new accounts. They asked me about late payments in 2007 and the disputed information on my CR that I am challenging. I am very disappointed in chase even though I paid my car loan through them from back in 2012-2016 with excellent payment history. Very picky and sensitive lender; I'm never wasting another inquiry with them. Like they put customer is dog houses; as of today they are on my blacklist. I will take my business happily to AMEX, NFCU and PenFed.
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