Credit Cards Center Credit cards from our partners
New Contributor
Posts: 68
Registered: ‎10-22-2010

Just got off the phone with Chase recon..need HELP

[ Edited ]

So I applied for United explorer card last night and got the dreaded message saying will hear from us in writing within 30 days.


I called the recon line talked a nice gentleman , he said he will take a look and came back after a min saying it was denied due to past relationship with chase and says I had a slate card and United Plus card which were past due....I said I never had those cards before I swear and he started to look at my credit history and points out one of the cards showing was from 2003(it was First USA bank which chase took over ), I said I am sorry yes I had a card from them , but I was in college at the time and I did run into credit problems and I was irresponcible, then he went on to ask if it was paid, I said yes I have paid it over the years through collections.


Then he said ok i will need some information from you and I can reconsider it, asks me what limit do I need on the card , I said atleast 5k and up ,then takes my info puts me on hold for about 5 min, and comes back and says

"I have recommended this card for approval for 10K" you should hear back from us in 2 weeks.


Anybody had this situation, if so what were the results, Its driving me crazy please let me know my chances



Established Contributor
Posts: 556
Registered: ‎06-02-2012

Re: Just got off the phone with Chase recon..need HELP

its approved as long as you told the truth. Knowing chase as well as I do, what will happen next is the verification department will check your credit and find out if the collection was paid and then fell off your report. If thats true. They will then call you, ask security questions and if your the one that opened the card. Then they will say we will approve you for xyz limit. and hope you love your new card.


The end

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: Just got off the phone with Chase recon..need HELP




Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.