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Advice on calling to get a declined app approved?

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OHWWCB
Regular Contributor

Advice on calling to get a declined app approved?

I just spoke to a representative from Chase because I got the 7-10 days message after applying for three Chase cards in one day, the other two were approved. He said there is no information about why my Chase Sapphire Preferred app was declined and if he had to guess, it's because I did two other Chase applications in the same day. He gave me the number to speak to the lending department tomorrow about possibly getting that declined application reveresed.


So do you have any success stories of getting a declined application approved and what should I say?


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 1 of 5
4 REPLIES 4
Kenny
Moderator Emeritus

Re: Advice on calling to get a declined app approved?

Well, 3 cards from any lender in one day is pushing it, for sure. You got two good approvals it looks like. You might have reached the amount that they are willing to lend to you at this time.

Wish I could give you a good reason, but I can't think of one right now.
Message 2 of 5
MT936
Established Contributor

Re: Advice on calling to get a declined app approved?

Don't get too greedy 2 chase cards in one day is already pushing it
Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 3 of 5
OHWWCB
Regular Contributor

Re: Advice on calling to get a declined app approved?


@MT936 wrote:
Don't get too greedy 2 chase cards in one day is already pushing it

I know! I should have gone for the CSP first.


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 4 of 5
bigblue7722
Valued Contributor

Re: Advice on calling to get a declined app approved?

What where the other two cards and their limits? U may be able to move some of the limits to the csp. If they say no just try to explain to them u want to build a relationship with them. Explain what u were gonna use the cards for. Tell them u want to move all your checking accounts over to them. Be ready to explain why u apped for three cards and also ready to explain any baddies u have on your report
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 5 of 5
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