02-25-2013 11:33 AM
I applied for Chase Freedom late Friday night. Got 30 days message. Called and was told call verification department on Monday. Was given reference # and tele # to call. I wasn't told if approved or declined. Called them up today, they just want some bills faxed since i use a PO Box to verify address. Faxed it over called to make sure it was all good on their end. Was told it could take 7-10 bussiness days to get a response. Surely that can't be really what happens!???? If you have had this happen, how long did it take Chase to notify you of approval or decline? Was there any way around the waiting?
02-25-2013 11:56 AM
This happened to me. Actually my UW faked me out. First he said he could approve me for $3k, then said oh wait whoops, we can't verify your address. Please fax over this stuff. I did, then I called 3 days later and was denied. Blah. Next year the Freedom shall be mine! (and Citi simplicity too)
02-25-2013 12:06 PM
I think your in if i remember right you used a P.O. box on app....so they have to verify...good luck
02-25-2013 12:07 PM - edited 02-25-2013 12:08 PM
Mod delete pls gave me error code 3600 post...system overload i guess LOl
02-25-2013 12:30 PM
I am afraid that you might not like my answer. I apped in November and had to fax the form SSA-89 for verification of SSN. But then got the letter that my application had been cancelled. Yes cancelled not declined and no reason indicated on the cancellation letter. On the phone I kept getting the answer they could not verify my SSN. So I simply faxed the SSN card since the form did not do any good and called again. Then I had been told that they had everything they needed but time for processing the application to the end had expired. Maximum 30days! Sorry we cannot process your application to the end. Chase told me to resubmit the application one more time and I was very sure this was a stright denial because I also knew that my app spree with 5 hardpulls and a 3 x CLI from 8K to 30K would certainly scare them off. But since I had waisted one hard pull for Chase already I figured might as well go ahead one more time. To my very big surprise I did get the card with pull # 6 within 6 weeks and even with a decent CL of 4K. Did really not expect a positive outcome and counted to app next year. Now for sure no more apps until 2014 and then I would love to try again with Chase for the CSP. Kind of understand the concerns of Chase looking at my credit profile from October and now.....Just wanted the good cards for me all at once!
02-26-2013 05:51 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO