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Regular Contributor
SportBike4Life
Posts: 123
Registered: ‎07-22-2012

Declined by Chase...

So, I was decline by Chase for one of their airline cards but will submitting a recon applicaiton (which they told me they have already sent in the mail) result in futher hard inquiries or no? The recon app they sent was for income verification.

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now :smileywink:
Moderator
Revelate
Posts: 8,132
Registered: ‎12-30-2011

Re: Declined by Chase...


SportBike4Life wrote:

So, I was decline by Chase for one of their airline cards but will submitting a recon applicaiton (which they told me they have already sent in the mail) result in futher hard inquiries or no? The recon app they sent was for income verification.


That's not a decline :smileyhappy:.  

 

If they have a recon app, not sure why they wouldn't let you do that over the phone but I don't know Chase.  Income verification is pretty easy, fax em last two paystubs assuming W2 employment and go on with life for the most part.  Only sticking point is 1099 / self-employed folks.  In this case it shouldn't be a second pull, you're not having to play let's make a deal based on your credit report.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 703, TU 708, EX 702* (05/30/14, EX older)
Goal Score: 700 in all three (01/01/15)


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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: Declined by Chase...

Just need inc verification and for sure you were not declined, GL>

 

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Super Contributor
CS800
Posts: 6,546
Registered: ‎04-07-2008

Re: Declined by Chase...

I agree with the posters. It seems like they only need an income verification that can be faxed :smileyhappy:




Established Contributor
YahComb
Posts: 592
Registered: ‎03-10-2012

Re: Declined by Chase...

My apps for Sapphire and Freedom got the two weeks message. Called in and they said Call verification. Within 3 minutes I had 2 new cards.

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Closed Cards: 4 Oldest: 2.92yr AAOA: 24.8 mo
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Declined by Chase...

I didn't have to provide income verification for my recon, although I did call them twice to get my app ultimately approved!

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Declined by Chase...

I would call their executive office in the backdoor sticky at the top of the forum and find out what exactly is going on.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
n777ua
Posts: 566
Registered: ‎05-29-2011

Re: Declined by Chase...


LS2982 wrote:
I would call their executive office in the backdoor sticky at the top of the forum and find out what exactly is going on.

If they're sending OP an income verification form then thats probably what they want.  Certainly not a decline but more likely than not an approval.

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Business Gold NPSL, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $4.4k, Target $.2k, CapOne $2k Von Maur NPSL,
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Declined by Chase...


n777ua wrote:

LS2982 wrote:
I would call their executive office in the backdoor sticky at the top of the forum and find out what exactly is going on.

If they're sending OP an income verification form then thats probably what they want.  Certainly not a decline but more likely than not an approval.


It's possible they can fax this info. I would think.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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