just applied CSP and SW card

rootpooty · ‎09-17-2014

Ughhhh got the dreaded 10 day we need further review for a decision. That just spells denial to me. Current list of cards are in sig. No baddies 60k income

Anonymous · ‎09-17-2014

Keep hope alive! I got the same message when I applied for Freedom and a congratulations email an hour later. Had to go through identity verification for Sapphire but it worked out well in the end All is not lost. GL!

Skye12329 · ‎09-17-2014

Whats your AAOA?

BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)

-Cal- · ‎09-17-2014

How long have you had your other Chase cards? They probably just want to do some verification.

skigirl916 · ‎09-17-2014

How the heck did you raise your scores over 100+ each in one month?! Tell me, NOW! Haha!

rootpooty · ‎09-17-2014

Going from 85 percent util to 2 percent will do that. AAOA is over 2 years. Have had chase freedom almost 3 years no baddies on any report

jamesdwi · ‎09-17-2014

I would give them a call and ask if you can provide any information to help them process your applicaions.

your scores seem good enough for both cards, my scores were no where near your scores and I was approved for both... Only having one card with a CL of 5k may be an issue they raise but still should be good to go.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

bigblue7722 · ‎09-18-2014

Op are those scores fico scores? Something must be up why u didnt get an instant approval. my income and scores are less than yours and chase has given me almost 20k in credit across 4 cards in less than a year. Either something bad just hit your reports or they need to verify it is you. The only other thing i could think of is your debt to income ratio.do u have a high mortgage/rent payment or a high car payment?

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Anonymous · ‎09-18-2014

With Chase that's not a denial for sure. I got 7-15 days message from each if my app and I got approved for all 3 cards. Just give them a call and they will speed up the process or tell you what's going on.

rootpooty · ‎09-18-2014

Yes real fico scores pulled here. I also closed on my first home with chase 2 days ago and my loan officer gave me similar score plus or minus a few points. I'm like itchy and scratchy over here wondering what's going on. Only thing I wonder about is the 6 or 7 apps that hit my CR when I was planning on buying a new vehicle 3 Mos ago but decided no to for my mortgage.