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@dobirdsmommy wrote:So I should have just applied for both yesterday when I got the freedom, but I was also prequalified for the Slate. Today I figured what the heck it will be my 2nd HP
She said there is a new trigger that is coming up in the system if you apply for a Chase card within 30 days of your other application, it will be declined for SSN applying for credit too many times with Chase.
So now I am on hold speaking to the Recon Specialist about how they can see Chase is my first HP for credit cards in 3 years.
They came back and asked about my first premier Charge off from 2008 and why I have not paid it off. I said 1. you can see that it is going to fall off in May 2. It is past NYS SOL and it will rebucket my score. Her answer, correct it will.
*hold*
Also the comenity cards seems to be an issue with them. She said 19 cards in total with Comenity is alot to have. I said does my income not warrant me having the ability to pay 19 cards the 25.00 per month? She said it does, just curious as to why you had so many cards.
She asked my job title- Branch Manager/NYC Metro Account Manager , where I work, and how long I have been in this company 5 years, and I volunteered that I have been doing this same work for 15.
All red flags but still approved after recon for 5K.
So end result do the app for 2 cards on the same day with Chase!
Gotta start paring down those comenity cards. When it is said that they hold you back, it's not for nothing.
In any case, congratulations, You handled the reconsideration call very well in the face of some tough questions.
@Anonymous wrote:
@dobirdsmommy wrote:So I should have just applied for both yesterday when I got the freedom, but I was also prequalified for the Slate. Today I figured what the heck it will be my 2nd HP
She said there is a new trigger that is coming up in the system if you apply for a Chase card within 30 days of your other application, it will be declined for SSN applying for credit too many times with Chase.
So now I am on hold speaking to the Recon Specialist about how they can see Chase is my first HP for credit cards in 3 years.
They came back and asked about my first premier Charge off from 2008 and why I have not paid it off. I said 1. you can see that it is going to fall off in May 2. It is past NYS SOL and it will rebucket my score. Her answer, correct it will.
*hold*
Also the comenity cards seems to be an issue with them. She said 19 cards in total with Comenity is alot to have. I said does my income not warrant me having the ability to pay 19 cards the 25.00 per month? She said it does, just curious as to why you had so many cards.
She asked my job title- Branch Manager/NYC Metro Account Manager , where I work, and how long I have been in this company 5 years, and I volunteered that I have been doing this same work for 15.
All red flags but still approved after recon for 5K.
So end result do the app for 2 cards on the same day with Chase!
Gotta start paring down those comenity cards. When it is said that they hold you back, it's not for nothing.
In any case, congratulations, You handled the reconsideration call very well in the face of some tough questions.
I am going to. I gave up SCT for Lent. I didnt take the EB offer last night, I think I will have to close out a few of them. Most dont even have balances. My DH said you carry a comenity card wallet, you must be the only one. I said NO CreditAddict has to have it too! lol
Congratulations!