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Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012

applying for a credit card

i was in chase the other day and just to feed my curiosity i asked the cr if applying for a credit card at the bank through him would better my chances of being approved. now i'm not sure if he was just saying this so that I would apply but he said there is a better chance because if I get denied by the computer, he would be able to call in and recommend that I get approved. he said chase apparently has given them more responsibilities in decisions such as these therefore i would have more leeway.

 

any thoughts?

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: applying for a credit card

He can recommend, but it is ultimately in the hands of computer and credit analyst. People at the branch have no authority to make a credit card decision.

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Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
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Regular Contributor
SportBike4Life
Posts: 123
Registered: ‎07-22-2012

Re: applying for a credit card


toiletbowl69er wrote:

i was in chase the other day and just to feed my curiosity i asked the cr if applying for a credit card at the bank through him would better my chances of being approved. now i'm not sure if he was just saying this so that I would apply but he said there is a better chance because if I get denied by the computer, he would be able to call in and recommend that I get approved. he said chase apparently has given them more responsibilities in decisions such as these therefore i would have more leeway.

 

any thoughts?


Yes, if a CSR at Chase recommended that you apply for a credit card through him, definitely let him do it for you. His recommendation and desire to do a recon for you will probably get your foot in the door. One of my friends was actually denied for many cards but found a friend's friend who was a CSR at a bank and helped her get the card she wanted, with a high CL too!

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now :smileywink:
Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012

Re: applying for a credit card

yeah, if i'm going to apply anyway, i guess it wouldn't hurt to try it this way.

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: applying for a credit card

[ Edited ]

Sometimes applying in person helps.

 

When I had no credit at all. As in, not a single tradeline just HP's. I went to my bank (us bank) to get a credit card. At the time I had two branches near my house. One of them I went to a few times. They said it was impossible for me to get a card, and that I could not even get a secured card. One day I decided to go to the other branch. I explained my situation to the rep who seemed more like a friend than a banker. That banker pushed my app through and got me approved for an unsecured card with no previous credit history.

 

So yes, sometimes applying in person is helpful. But there is a chance that the banker gets a bonus for getting you to app, so the banker you talked to might have just been blowing smoke.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


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