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Applied while CR frozen? So now what?

New Contributor

Applied while CR frozen? So now what?

All this EQ drama so I froze all 3 CR using TU and EX online apps.  Today I apped for Chase AARP card and got a 30 day response.  THEN it dawned on me that all 3 CR were frozen.  So what happens now?  I called the status line and it said 2 weeks.  I unfroze all 3 CR and, went back to the AARP site, clicked on the Apply button and it said "thanks for applying". 

Cap 1 Venture (14k) ~ Fifth Third Truly Simple (12k) ~ Fifth Third Simple #2 (10k) ~ Fifth Third Trio (10k) ~ AMEX ED (10k) ~ Huntington Voice 3x Reward (10k) ~ Huntington Voice APR (10k) ~ Discover IT (7.5k) ~ PENFED Power Cash (10k) ~ PENFED Platinum Reward (10k) ~ Gardner White Comenity (6.8k) ~ Chase Freedom (6k) ~ Wells Fargo Plat (5k) ~ Amazon (5k) ~ Sams Club (5k) ~ Alliant (5k) ~ Kohls (3k) ~ Marvel (3k) ~ DICKS (2.2k) ~ Flagstar (2k) ~Cap 1 Plat (1.6k) ~ CITI Simpl (1k) ~ AMEX BCE (1k) ~~ TCL $157,000
F8 EX 600 (3/17)
F8: EQ 745, TU 754, EX 741 (8/17)
~~ UTIL 2% INQ 8 (12 mo)
12 REPLIES
Senior Contributor

Re: Applied while CR frozen? So now what?

You have to call them and let them know your CRs were frozen, so they can do the pulls. That's if you still want the card.
FICO 8 Scores EQ=754 TU=779 EX=769 (INQ) EQ=19 TU=15 EX=15 TCL=$546,200
Established Contributor

Re: Applied while CR frozen? So now what?

Tell them something they can relate to when you recon, like you forgot to unlock the reports because you're getting old and senile.
New Contributor

Re: Applied while CR frozen? So now what?

LOL....I should have tried that.  I called backdoor number and told them I had my report frozen because of EQ but it was open now.  She ran report and turned me down.  Said I had.....get this......5, 6, 7, 10, 12, 14, 18 (she was adding them up)  inquiries since March of 2016.  Perhaps I need to do a little gardening?  I'm thinking it's possible that I f&^%ed that up because it may have auto approved if I did not have a person actually counting the inquiries?  BTW, she asked if I unfroze TU so she could pull report, then when she ran it HP'd both TU and EX.  

Cap 1 Venture (14k) ~ Fifth Third Truly Simple (12k) ~ Fifth Third Simple #2 (10k) ~ Fifth Third Trio (10k) ~ AMEX ED (10k) ~ Huntington Voice 3x Reward (10k) ~ Huntington Voice APR (10k) ~ Discover IT (7.5k) ~ PENFED Power Cash (10k) ~ PENFED Platinum Reward (10k) ~ Gardner White Comenity (6.8k) ~ Chase Freedom (6k) ~ Wells Fargo Plat (5k) ~ Amazon (5k) ~ Sams Club (5k) ~ Alliant (5k) ~ Kohls (3k) ~ Marvel (3k) ~ DICKS (2.2k) ~ Flagstar (2k) ~Cap 1 Plat (1.6k) ~ CITI Simpl (1k) ~ AMEX BCE (1k) ~~ TCL $157,000
F8 EX 600 (3/17)
F8: EQ 745, TU 754, EX 741 (8/17)
~~ UTIL 2% INQ 8 (12 mo)
Established Contributor

Re: Applied while CR frozen? So now what?

OP it's something else in your profile they didn't like I got my 3rd Chase card last month with 50 Inqs on EX.
Community Leader
Super Contributor

Re: Applied while CR frozen? So now what?


bigpoppa09 wrote:
OP it's something else in your profile they didn't like I got my 3rd Chase card last month with 50 Inqs on EX.

Not necessarily.  Depends on whether it would of been an instant approval or not which most chase cards are not these days.  Depends on the UW as well that looks at it and what type of mood they might be in, etc.  Many factors beyond what you or I know might of gone into it.  

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's| US Bank | Fifth Third Bank | FNBO
New Contributor

Re: Applied while CR frozen? So now what?

Idk. As UW looked at TU she would see 10 new accts in last 60 days including Chase Freedom with $6k SL and a balance of $500 that I rang everyday purchases to get the $150 bonus at 0% APR. A month ago I was also declined for Chase Amazon.
Cap 1 Venture (14k) ~ Fifth Third Truly Simple (12k) ~ Fifth Third Simple #2 (10k) ~ Fifth Third Trio (10k) ~ AMEX ED (10k) ~ Huntington Voice 3x Reward (10k) ~ Huntington Voice APR (10k) ~ Discover IT (7.5k) ~ PENFED Power Cash (10k) ~ PENFED Platinum Reward (10k) ~ Gardner White Comenity (6.8k) ~ Chase Freedom (6k) ~ Wells Fargo Plat (5k) ~ Amazon (5k) ~ Sams Club (5k) ~ Alliant (5k) ~ Kohls (3k) ~ Marvel (3k) ~ DICKS (2.2k) ~ Flagstar (2k) ~Cap 1 Plat (1.6k) ~ CITI Simpl (1k) ~ AMEX BCE (1k) ~~ TCL $157,000
F8 EX 600 (3/17)
F8: EQ 745, TU 754, EX 741 (8/17)
~~ UTIL 2% INQ 8 (12 mo)
Valued Contributor

Re: Applied while CR frozen? So now what?

I had more than you did when I got approved Bigpoppa. Lol
Chasex3/PenFedx3/NFCUx2/BofA/BMO/AMEX x5(4 revolvers +Platinum)/CapOnex2/DCU/Blispay/Cabelas/BBVA/Fifth Third/Banco de Brazil/BB&T/HSBC/Atira/Commerce Bank/State Farm Visa........I have them all. Except Barclays. They suck. And Sync. They suck worse! And Citi,, because I Have 9,000 Inq.
In the 520-530 range in 12/2015.... Currently EQ747/TU758/EX744
NFCU & PenFed are my best friends!!

In 3/2016 I had a $1800 fully secured CapOne QS. And that was it.. Current CL $247,000 (plus my auto and RV loans)
Established Contributor

Re: Applied while CR frozen? So now what?


fltireguy wrote:
I had more than you did when I got approved Bigpoppa. Lol

Last I heard u had 200 lol.

Super Contributor

Re: Applied while CR frozen? So now what?

This is good example why Chase is a tuff nut to crack sometimes, you either dont make the 5/24 squad or you have 2 many inqs team. On top of double pulls, almost as bad as going the triple route for Cap One lolSmiley Wink