Chase only 2-5% instant approval,rest manual

curiousityabounds · ‎03-27-2017

That's what the rep just told me after I applied last night and received "under review". Rep said only 2-5% get instant approvals now. Most are now reviewed manually. My app was still pending and to expect a response in 7-10 days.

Thoughts?

SecretAzure · ‎03-27-2017

Totally anecdotal but I always get instant approvals...two times for two cards. I guess it could make sense if about 50% of the population have scores under X number. And if people with lower scores are the ones applying more often...I guess in some weird sense this could make sense.

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Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MC

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Anonymous · ‎03-27-2017

My 2 prequals were instant. The one time I cold apped it went into review.

curiousityabounds · ‎03-27-2017

My last three were instant approvals. This is a first. Should I wait a week and then call the recon line? Or call them now?

My scores are 740 Ex, 689 TU, and 669 EQ. Have AMEX Gold Rewards, Discover and AMEX Blue Everyday. My car loans are with Chase and my last one was as well. So I thought having a Chase would be nice to have. I don't plan on applying anywhere else til end of year, if at all.

Gggmen · ‎03-28-2017

I got 2 instant approvals on two applications. One for FU for 4k which is now 5K and F for 3k. Neither card is a year old. Good luck