Credit Cards

[Ron1]

I just applied for Chase United Explorer Card. I didn't get instant approved.  Got the following message:

We need to review your application to make a decision. 

Does it mean" I got denied"?  Did I make mistake to apply for the card?  My TU FICO was 747 as of Dec 5 and EQ was 801 as of Dec 5. My utlization was 1%. AAOA: 5yrs.

Thanks for reading.  

Ron.

[Tryon2improve]

Recon Recon Recon.  I had worse and got approved.

[Ron1]

---

Tryon2improve wrote:

Recon Recon Recon.  I had worse and got approved.

---

Thanks for reply. What was your score when you applied? Won't you mind to tell me how much they gave you?

Ron.

[Tryon2improve]

676 got $5k after my CLI reported on Discover to $5,700

[etothejomegan]

You're not gonna get denied. Even if you're denied, just recon. I think this card pulls EX. My score was lower and I was approved for significantly over 5000. I did have existing relationship with Chase though.

[Ron1]

---

Tryon2improve wrote:

676 got $5k after my CLI reported on Discover to $5,700

---

WoW!!!! Thanks for sharing.  They're very generous. Did you talk to credit analyst? 

Ron.

[Ron1]

---

etothejomegan wrote:

You're not gonna get denied. Even if you're denied, just recon. I think this card pulls EX. My score was lower and I was approved for significantly over 5000. I did have existing relationship with Chase though.

---

Thanks for your reply. I have banking relationship and credit cards relationship with Chase. Last time they pulled TU.  That was almost two years ago. 

Ron.

[Tryon2improve]

Yes, because I had a forclosure 2.5 years ago, they only wanted to look at any new credit issued since the forclosure.  I had a new Discover that was reporting at on $1,700 at the time of app and he said the minumum the card allows for is $2k.  He said once the CLI reported to call back  and I did an was approved.  They would only match my largest CL since the Forclosure.

[Ron1]

---

Tryon2improve wrote:

Yes, because I had a forclosure 2.5 years ago, they only wanted to look at any new credit issued since the forclosure.  I had a new Discover that was reporting at on $1,700 at the time of app and he said the minumum the card allows for is $2k.  He said once the CLI reported to call back  and I did an was approved.  They would only match my largest CL since the Forclosure.

---

Congrats on your approval!!! They were nice to you.  You wouldn't get approved if they were BofA.

Ron.

[Repo-ed]

Call and recon already - and let us know what they gave you.