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Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Chase freedom denied after recon credit analyst recommend approval pending second review

Ok i just try to see what this picture means

Applied for Chase freedom denied after i spoke with credit analyst.I recon with a second credit analyst and she  recommended approval pending second review.is that a good sign ? I appreciate any input


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

same thing that happened to me 2 weeks ago for the CSP, called back in the next day and they asked me to verify my idenity and told me the card was on the way... wait until about noon tomorrow and call the backdoor number again and ask them for the status of your application

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

i am glad you had some experience with the same lender for the same issue.So you think i will get the card when the second credit analyst review the app


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review


ryanbush wrote:

same thing that happened to me 2 weeks ago for the CSP, called back in the next day and they asked me to verify my idenity and told me the card was on the way... wait until about noon tomorrow and call the backdoor number again and ask them for the status of your application


ps congrats on your approval


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review


astritaho1979 wrote:

i am glad you had some experience with the same lender for the same issue.So you think i will get the card when the second credit analyst review the app


yeah basically the same thing, I called at night and i think at night they have to have a supervisor look over it.... I think you will be good to go

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

hey i apreciate all the support from you regardles the outcome.Thanks again


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

If they recommend you for approval, you should be good to go.  

Epic Contributor
Creditaddict
Posts: 21,493
Registered: ‎10-23-2007
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review


visorboy1974 wrote:

If they recommend you for approval, you should be good to go.  


Back when Chase released the ink line (BOLD) being PIF like Amex my mom applied just 1 month after a Zappos Personal approval for $9k.  Declined ink... Did a very long process to recon and guy put on hold couple times to check etc. etc and they were pretty much saying no no, util on other cards to high... Finaly said to the guy "This is a charge card, If you are so scared to issue the card put the hard limit at $500 and we will do multiple payments until you get use to the spending and trusting and it's win win... not sure why that didn't cross anyone elses mind but they said approved... week later letter came saying denied again... tried to go back through process again but getting to a business underwriter just seemed impossible.... So although the approvals on recons seem to happen for the good 90% it is still possible for a second review to change it... kind of irritating because the first person actually spoke with you and then a higher up comes in to check if they agree but you are not on phone!

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

The same thing happened to me with my freedom. I basically begged them for the card....lol  The recon analyst recommended me and then switched me over to another person who put me on hold forever and he finally came back and approved me with only a 500.00 limit. I was happy with that because I just wanted my foot in the door. I feel like your odds are pretty good....it just may be a low limit.

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: Chase freedom denied after recon credit analyst recommend approval pending second review

I will call today and let everyone know what is the outcome on the app


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736

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