Drapping is no bueno!

[LipzyDaizy]

I'm ashamed to admit it but I drapped for the CSP last night..  I rarely drink but I had to try my homemade limoncello and had one too many while checking my cc accounts and paying bills.  So while I was the Chase site I checked the prequals and there it was!  My fiance, still pretty excited with my Diners Club approval, talked me into it and I got the 7-10 day message.  Ugh!!  I'm so mad at myself!

I've had my Freedom since last Dec with a limit of $2200, opened 4 new accounts since then, have kept my util at 1-10% throughout the year, 7 inquiries on EX, 3 on EQ, 6 on TU...Wondering what my chances are?  I've heard Chase prequals are pretty spot on but I also know prequals are not guarantees...just bracing myself for whats to come I guess.

No more drapping for me!  But the limoncello was yummy!!

[Anonymous]

I would call Chase when you wake up. If denied then recon. They have some great analysts IMO.

[Imperfectfuture]

Never knew what drapping meant, till now.

Having a little honey brandy right now, compliments of the 3% (yet to see categorized) Amex grocery cash back. Gotta meet that $1k spend somehow.

However, don't yet feel the need to drapp.

[Anonymous]

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@Imperfectfuture wrote:

Having a little honey brandy right now, compliments of the 3% (yet to see categorized) Amex grocery cash back. Gotta meet that $1k spend somehow.

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Lol!

[LipzyDaizy]

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@Anonymous wrote:

I would call Chase when you wake up. If denied then recon. They have some great analysts IMO.

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I'm kinda scared to call. Chase intimidates me a little.  lol  I did call the app status line and it said I should receive a letter in about 2 weeks so I'm thinking its a decline.  With my Freedom I kept getting a pending message whenever I called.  I guess the worse they can say is no, right?

[Imperfectfuture]

Right

[anderl]

If your app status message says "2 weeks" then your approved; if it says 7-10 days, a denial.

[chalupaman]

I wouldn't stress about this. My two Chase approvals weren't instant either and my second card with them took about a week or two before I got approved. It's a good sign if they tell you that it's going through verification and they don't give you some 5-7 business days kind of language there.

[Creditaddict]

you call chase app recon in backdoor thread and ask if your application needs verification.

they will transfer you to verification and ask you some weird questions and give you the approval instantly.

if you had a pre-qual for it there is no way you were denied... CALL!

all 3 of my apps have not been instant and I called in and they transferred me to verificaiton and boom approved.

[LipzyDaizy]

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@anderl wrote:

If your app status message says "2 weeks" then your approved; if it says 7-10 days, a denial.

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I didn't know that!  I learn something new everyday I come to the forums!