@mackguyber wrote:I'd like to say thank you for this thread! I have multiple accounts with Chase and my score (after 12 years of hard work) is in the 770s, but Chase still gave me a pending. I called the recon line and after explaining a few things (like a large balance on a balance transfer card and spending around 20 minutes on hold, the guy told me the system was down. I called again about 24 hours later and was just told that they approved my for $16k CL on the Hyatt Card! That's my highest limit yet, other than my AMEX. Thanks so much for the advice to call instead of waiting for the decline letter!
That's just fantastic... I don't know why they do this to us, but if you are willing to work for it you will always come out better than what's going as the "common handout"
Good work! Enjoy the success.
@kimpossible808 wrote:That is the number I called to check on the status of my app. Good luck!
OT: Now I have the Kim Possible theme song stuck in my head 
I can't wait till Chase give me another chance. May be in a couple more years 
I am truly surprised so many people have had positive experiences with Chase.
I have had a truly awful experience. I have a pretty good credit file, scores vary across CRAs but all over 710 (TU being the highest at 745, EX lowest at 710), no derogs, no late payments, 10-12% util (depending on CRA), and a variety of credit sources (not just credit cards, but student loans, a car loan, a few store cards, etc.)
Recently, all of my CLI (all SPs) had been granted (actually Cap1 increased my two cards with them from 500$ limits to 1500$, so a 2000$ increase overall, and by viewing this board, I see that this is kind of rare lol). Cap1 also upgraded one of my cards to a Quicksilver and the other to a Quicksilverone, also decreased my APR on both cards (I honestly love Cap1 lol). I had automatic increases on ALL of my store cards (Walmart from $500 --> $1200, Amazon from $800 to $1000, Macy's $600 --> $1000, and Kay is my biggest "store" credit line @ 4k). Bank of America auto increased my Cash Rewards card from $1000 to $1500.
So, since the last time I applied for any credit was in Sept/Oct, I decided that it may be time to try for some more "coveted" cards. I apped for Chase Freedom, Discover It, and a Merrill + Signature Visa...
Chase declined
Discover It --> instant approval for 6k (14 months intro APR @ 0%, 10.99% after that for purchases and balances)
Merrill + --> Instant approval for 2.5k (12 month intro APR @ 0%, 12.99% after that, and all the extra goodies, seems like a VERY great card, may recon for a CLI once I get the card)
I reached out to Chase to ask for a recon, and they said that I had too many inquiries. I asked if they were including inquiries from over 6 months ago (I bought my car from CarMax in Sept. 2013, and they hit like 7-8 places at once for the best rate), and they said they took into consideration all inquiries from the past year. I asked for additional reasons behind the decline and they said nothing, just your inquiries, everything else is fine. I explained my inquiries from Sept/Oct (car loan and a few credit cards to build credit), and she said there was absolutely nothing she could do to override the decision and it was final. I was a little shocked, but I know it is considered a prime card, but I also know that many people on here call a few times.
So, I waited a day or two longer (I also double checked my credit report to make sure everything was accurate), and I called Chase back (I hate taking a HP for no reason lol) and I have never been talked to so badly in my life.
I was aware prior to calling Chase that the recon/analyst dept. notes the acct when recons are made. So, when I called back, I told the analyst that I recently spoke with someone about my application, and I had pulled my report in the mean time. I said I would appreciate it if they would take a few minutes to fully discuss my application, and I mentioned why I was apping for a Chase card (and mentioned the positive reviews, the benefits, etc.). He immediately turned me down and said a recon was out of the question because my app had already been reconsidered. He continued to raise his voice, asked why I made the call again after I had my official decision, etc.
I asked for a transfer to the supervisor who referred me to the EO. I decided to reach out to them, but yeah, didn't make a difference. I guess it truly is WHO you get, I got two (well four if you include the supervisor and person from the EO, they all treated me poorly for some reason) bad apples, that's for sure. Also, I promise that I spoke with everyone with great respect, was completely honest (about my previous conversations), and was in no way demanding. I actually didn't even want to speak with anyone in the EO, because I was kinda tired of speaking to people at that point. The main point of speaking with EO was to discuss the awful conversations with the the two males on the last call.
However, I am happy for everyone who has had success! I truly desired a Chase card. 
I am going to wait about 6 months and utilize my new Discover and app with Citi. Or, I may go on an app spree for some other cards! 
We'll see.
By the way, had no inquiries in the past 6 months (except for the Chase, Discover, and Merrill Lynch - and I made sure to check ALL CRAs for inquiries), so now 3 total in the past 6 months. I also did mention (to the EO, who said she would also review the app that I was recently approved for a Discover card, since some pointed out that using the fact that other companies deemed you worthy of credit w/ prime cards can be helpful, but no luck!) I don't know what else Chase wants!
Income = $65k, if anyone wants to know any more info, just let me know.
