Should I call Chase?

[kobe81]

JUst called the BD number.

I'm now on the phone with Zack. It seems a bit happier. He said he wants to go over the notes left by Dan (who didnt think I was good enough for the CSP).....

Praying while I listen to this god awful hold music....

[Closingracer99]

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@kobe81 wrote:

Well, he said that I have 13 INQ's and 9 new accounts and that even though I've doing a good job rebuilding my history, they can't approve me.

I can't take that as an answer. He didnt even try to help. I'm just worried that I can lose my Chase Slate account if I call back.

Right now I['m a 700 score with EX, and I have 9 new accounts. I told them I'm looking to replace my AMEX card with the CSP.

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I wouldn't call Chase inq sensitive so that sounds like BS though for a thin file maybe?

[kobe81]

I haven't given them a reason. I havent activated the card yet.

Update: Zack just came back on the phone talking about the recent credit I've been seeking and I told him that the offers are really good right now while I'm re-doing my house.

I told him that I'm also tryinjg to move away from AMEX. I also told him I can provide him with any information that hes seeking.

He sounds cool but I dont know if he'll pull the trigger. I hope he does.

[Anonymous]

I dont think they are spooked by thin files either since I was approved with zero credit history. But based on reading through this site I think my case might have been rare who knows. Thats quite a few new accounts but since it wasnt listed as a denial reason initially I say keep trying. Sounds like you justified the original issue and Dan thought up something new. I'm sure he could see the inqs and new accounts before the deeper look

[Closingracer99]

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@CallaLilyLover wrote:

I dont think they are spooked by thin files either since I was approved with zero credit history. But based on reading through this site I think my case might have been rare who knows. Thats quite a few new accounts but since it wasnt listed as a denial reason initially I say keep trying. Sounds like you justified the original issue and Dan thought up something new. I'm sure he could see the inqs and new accounts before the deeper look

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They generally are spooked by no files and usually wait till you have a full yeard under your belt. Some do get lucky and get in but Chase likes to see 1 year of history first usually

[mab463]

I love this play-by-play. I'm rooting for you!!!

[Swapmeet]

13 inqs and 9 new accounts definitely makes you look desparate for credit. I hope that your util is single digit...if it is, I would cite that in addition to the "sign up bonuses are great right now" line.

[kobe81]

Zack just came back on the line and did a full exam on me.

He said the only thing he could do for me is switch the 5,000 on my slate over to the CSP.

I told him ok. He put me on hold...Came back on and told me that a special department handles this and that they have to approve it, but either way I'll have one card with Chase. Either the CS or the CSP. I told him if it's so much trouble then leave it as is. He said either way they are going to take a look at it and repeated the above.

I feel like I really lost the battle here because he almost feels like I'm going to be left with no cards.

What should I do here/ Call back?

[Anonymous]

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@kobe81 wrote:

Zack just came back on the line and did a full exam on me.

He said the only thing he could do for me is switch the 5,000 on my slate over to the CSP.

I told him ok. He put me on hold...Came back on and told me that a special department handles this and that they have to approve it, but either way I'll have one card with Chase. Either the CS or the CSP. I told him if it's so much trouble then leave it as is. He said either way they are going to take a look at it and repeated the above.

I feel like I really lost the battle here because he almost feels like I'm going to be left with no cards.

What should I do here/ Call back?

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I would, dont want a CLD or anything.

[kobe81]

I told them I opened the account do to the 0% financing.

My Cap One Venture Visa Sig isn;t reporting yet which has a limit of 20,000, which would bring down my UTL.

My UTL is like 9%