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That's encouraging! Did you call them right away after you got the 7-10 day letter message? Or did you wait for the letter to arrive?
You got the "chicken" part right. I'm going to call them but feel rather uncomfortable because I don't feel I know how to start that conversation.
How did you start the conversation with the analyst? What did you tell him/her?
i had no problem call Cap 1 because because I've been using their cards for 3 years and felt I had a compelling argument as to why they should grant me the CLI I was asking for, which they did.
I'm not really sure how to start the conversation with Chase since I've never dealt with them and technically they havien't declined me yet, they simply "reviewing" my application.
They didn't approve me. Here's how it went:
So I called Chase. The entire call took 3 minutes and I said I got the 7-10day letter and calling to check the status of my applications and see if I could answer any questions they may have.
She said they had already reached a decision and based on my bankruptcy they were not able to approve me.
I asked if an applicant had a bankruptcy he would automatically be disqualified then?
She said that normally they are looking for someone who has re-established himself after a bankruptcy before they'll grant them a card.
I told her to elaborate a bit on the re-establishing thing because since my bankruptcy 3 yrs ago I have a mortgage, 2 car loans one of which is fully paid for and several revolving accounts none of which have ever been late?
She said that even so, my mortgage was not a year old yet so they were looking for somebody for a little more history.
So I thanked her for the information and ended the call. She was very nice and polite but wouldn't budge.
so What now? Do I call again and get somebody else? If so, How long do I wait before calling again?
I saw saw in another forum where someone wrote a recon letter to somebody at Chas and got his card after that. Should I try that? If so, anybody knows where to write to? And to whom?
the more I think about it now, the more I feel I have a compelling argument to get approved. So being that I already took the hit with this inquiry I'd like to get most mileage out of it. Like somebody told me yesterday, " it can't hurt"