04-28-2011 05:49 AM
Against my better judgment I app'd for a Chase Amazon card (I already have too many cards and opened too many within the past 2 months). I got a "no instant decision, we will notify you after review" response.
I went ahead and called the 1st backdoor number stickied at the top of the forum, and spoke to an account rep who did not sound like they wanted to be at work. I called and said I didn't receive an instant response, and wanted to see if there was any additional info. they were seeking...the lady responded "you do know it can take up to 30 days to receive a decision...don't you?!!?" <in a snide voice>
Anyway, I answered some questions about some current accounts...I have a couple of balances reporting (after consolidating from my wife's CCs), 2 of which are at about 90% util. However, overall I am only at about 23% util across all of my accounts, and my Chase Freedom has a $0 balance. Anyway, she denied the CC and pretty much hung up.
Think I should try reconing again? I hate to waste an inquiry. I probably should not have app'd for the card in the first place.
04-28-2011 07:27 AM
call back and get someone else wont hurt
04-28-2011 08:31 AM
Thanks for the advice!! No luck though My 1st rejection in a LONG time...I need to stop app'ing. Yesterday, I tried the 888-270-2127 number and got denied, this morning, I tried the 888-245-0625 number and was also declined, although they did seem to try and work with me though.
Time to force myself into the garden.
04-28-2011 08:43 AM
05-03-2011 09:02 PM - last edited on 05-03-2011 09:23 PM by MarineVietVet
Just so you guys know: I called Chase about a recon yesterday. I tried to call back today to talk to someone different, and this is what he said, "You just called in yesterday about reconsideration. Do you want me to repeat what you were already told?! If someone else told you no already, why would I tell you any different. I hope you know that we do make notes on the account!"
05-03-2011 09:06 PM
This is one of many accounts I've heard of Chase being rude to customers calling in...
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.