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Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Multiple Chase recon attempts (CSP)


Revelate wrote:
Maiden: I'd check your other reports if you haven't honestly; what you describe would be highly irregular behavior and Chase is pretty well known not only to make HP's but also to pull different bureas for repeated applications (which makes a lot of sense actually).

You may have just gotten lucky, but even any lender's internal score approval is still going to lodge an inquiry for a new card. Sure they color outside the lines on SP CLI's but to not pull on a first approval, lottery-winner rare.

I checked my CR a week after applying for the cards. I only have HP on Experian. No other HPs. Chase used an internal score for my first application according to the sheet they mailed with the card. It was only after my second application for another card in their line-up that they pulled my credit. I don't think my situation is unique. Both cards were approved with only one HP from the same bank.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Contributor
nenuco
Posts: 228
Registered: ‎07-30-2011
0

Re: Multiple Chase recon attempts (CSP)

I can validate Maiden_girls claim. I got approved for the Chase Hyatt and the CSP with only 1 hard pull. Chase in general has just been awesome with me. I don't even want to get into the fiasco known as Barclay... but that is for another day. I got approved instantly for both, but I have heard Chase has a lenient recon team So you may have a shot.

Garden Mode... kind of... sort of (•‿•)
Established Contributor
Jlu
Posts: 922
Registered: ‎06-12-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

UPDATE: thanks to a member of these forums I was able to get the number for an Executive Chase office. The lady gave me 10 whole minutes to plead my case. I was told I should hear from her by the end of the day so I will let you guys know as soon as I know. It really helped that 18 of my inquiries were from only 4 institutions so it made it look a lot less worse. Cross your fingers.

JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $15k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE


Jlu wrote:

UPDATE: thanks to a member of these forums I was able to get the number for an Executive Chase office. The lady gave me 10 whole minutes to plead my case. I was told I should hear from her by the end of the day so I will let you guys know as soon as I know. It really helped that 18 of my inquiries were from only 4 institutions so it made it look a lot less worse. Cross your fingers.


Good Luck!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

Good luck Jlu!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE


Jlu wrote:

UPDATE: thanks to a member of these forums I was able to get the number for an Executive Chase office. The lady gave me 10 whole minutes to plead my case. I was told I should hear from her by the end of the day so I will let you guys know as soon as I know. It really helped that 18 of my inquiries were from only 4 institutions so it made it look a lot less worse. Cross your fingers.


:smileysurprised:

 

You got this!

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
swpopham
Posts: 554
Registered: ‎06-02-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

Im sorry but I gotta be the ass of the board! :smileyhappy: unless duncan wants to jump in, haha just kidding. Anyways. If you dont get it this time I would back off and chill, in your previous posts you said you jumped too early for all of these card applications. I think you should take the punshiment for being stupid, not an insult just saying. We all take hell mary shots but dont complain when you miss from the half court line. I love helping people out, but going after cards everymonth is going to do more harm then good. When you go to apply again even in 2 years, chase, citi, amex etc.... are going to look at previous pulls and say hey the cycle of apping again and again is starting up. We dont want no part of this... If the economy gets worse everything will get tighter, id rather push my luck when I need it.

"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
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

What's the verdict?  :smileytongue:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Jlu
Posts: 922
Registered: ‎06-12-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

No word yet. She said tomorrow would be the latest I should expect a verdict.
JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $15k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE


Jlu wrote:
No word yet. She said tomorrow would be the latest I should expect a verdict.

hey are your 20 INQs from within 12 months or total?

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

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