cancel
Showing results for 
Search instead for 
Did you mean: 

Chase Approval!

tag
visorboy1974
Valued Contributor

Chase Approval!

Long story short, I applied for a Chase United MileagePlus Club card with the thought that I'd never get approved. I received the denial letter in the mail and decided to call the recon line and plead my case. Since I fly 30-40 times a year, I could use the United Club access among other things. I called the Chase recon line and the very courteous analyst brought up my app and previous history with Chase. She said that while I have a great history since my BK7 in 2006, she couldn't override the fact that I had some Chase balances that were included in the BK7, but that she'd recommend me for approval on the card to her higher ups. I logged in to my Chase account and I have a new MileagePlus Club card account showing up there! 

So I guess the moral of the story is if you're initially declined, plead your case and provide evidence and you'll at least have a fighting chance! And Chase's blacklist is "flexible"!

 

Received the card and it's nice and heavy...looks like Chase has another "metal" card in its portfolio!  I'm excited!  Very thankful to Chase for the second chance!  I will not disappoint!  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 1 of 13
12 REPLIES 12
rtw
Established Contributor

Re: Chase Approval!

Congrats! Great story and the moral is always recon. You've already got an HP so what can you lose?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 2 of 13
bndresa1321
Valued Member

Re: Chase Approval!

Congratulations on the approval, that's really great to hear that you were able to recon, seems like they honestly listened to your request and went ahead and approved you.

 

If I am every in this situation I definitely won't hesitate to recon, and hope for a similar success ha.  

 

 

Credit Cards:
Capital One Platinum MC (11/2009) - $2K | Discover IT(07/2011) - $1.25K | GECRB Visa (07/2012) - $2.17K | Citi Dividend Visa (12/2012) - $4K | Chase Freedom Visa (12/2012) - $5K | AMEX BCP (11/2014) - $5K | Chase Sapphire Preferred Visa (12/2014) - $9K


Message 3 of 13
Shogun
Moderator Emeritus

Re: Chase Approval!

Congrats!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 13
MountainHiker
Established Contributor

Re: Chase Approval!

Congrats on having one of the most sought after cards. Enjoy and happy flying!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 5 of 13
SpiceIslander
Frequent Contributor

Re: Chase Approval!

Congrats!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 6 of 13
visorboy1974
Valued Contributor

Re: Chase Approval!

Thanks everybody!  I'm excited to start using it as well as have access to the United Club whenever I head out of town!  Even better news is the AF is waived the first year...It's $395.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 7 of 13
frddlawson
New Contributor

Re: Chase Approval!

Thats an excellent story, congrats on your approval. It always feel good to have a second chance. Recon,Recon,Recon, it works.Smiley Happy

Message 8 of 13
Anonymous
Not applicable

Re: Chase Approval!

Great job!!!!! Way to keep fighting! Congrats.

Message 9 of 13
amercnchopz34
Established Contributor

Re: Chase Approval!


@visorboy1974 wrote:

Long story short, I applied for a Chase United MileagePlus Club card with the thought that I'd never get approved. I received the denial letter in the mail and decided to call the recon line and plead my case. Since I fly 30-40 times a year, I could use the United Club access among other things. I called the Chase recon line and the very courteous analyst brought up my app and previous history with Chase. She said that while I have a great history since my BK7 in 2006, she couldn't override the fact that I had some Chase balances that were included in the BK7, but that she'd recommend me for approval on the card to her higher ups. I logged in to my Chase account and I have a new MileagePlus Club card account showing up there! 

So I guess the moral of the story is if you're initially declined, plead your case and provide evidence and you'll at least have a fighting chance! And Chase's blacklist is "flexible"!

 

Received the card and it's nice and heavy...looks like Chase has another "metal" card in its portfolio!  I'm excited!  Very thankful to Chase for the second chance!  I will not disappoint!  


What number did u recon with....i got denied after my application spree for CSP.....I reconed to no avail...


Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.