the waiting game

[afbar1114]

i never had an app say it needs further review i had the instant approval and the 7-10 days never pending like this before.....anyone else have this at some point? BTW this is for the Chase Freedom 

[Anonymous]

Did you call the recon line to ask?

[Anonymous]

Nevermind I saw from another thread that you did call. That's strange...usually they are more informative than that.

[Anonymous]

My freedom app said it was pending review. About a week later I spoke to a CSR and they transferred me over to the lending department. Turns out they denied me, but they automatically offered to recon it. Ended up having to fax in a copy of my ID and SS card for verification, so it took a bit longer for the whole process.

But if you're impatient for an answer (and really, who isn't?) just call the app status line, then talk to a CSR and ask them about it. They might be able to let you know what's going on.

[afbar1114]

i dont get it i already have the slate.... 

i am hoping to log on to my account in the next few days and get a surprise lets say my freedom shows up. called CSR back door number says that they like i have a savings and checking and anthor card that they might be trying to figure out what my CL is going to be..

[afbar1114]

still waiting.....and waiting.....i just want to know if its a yes or no..i hate waiting

[Anonymous]

It took me about 3 weeks to get the actual final approval on it, and just under a month to get the card (applied in Feb 15th, it came in on March 12th). I'm sure not everyone will have to wait as long, but after I'd asked about it a few times they basically told me to stop calling since there was no way to rush the process.

[laboi_22]

I hate to be Negative Nancy but Chase will most likely do 2 things: deny the application or approve it with a $300-500 CL. Also you will get a high APR. That's just how Chase does business. They also don't give CLIs without HPs and are know for denying the request wasting a HP. When applying with Chase in order to get a decent CL you must have no baddies, few to no inquires, and low UTL. Also AAOA must be 2 years or more. If you get the Freedom now, you will be stuck with a low limit card that won't grow. You will have to close it later and reapply when your CR is in good shape in order to get a good Freedom card.

[afbar1114]

Chase i dont think lets you sit a cl like hsbc does it may take time but i think CLIs will happen no matter what your cl is plus i have 401ks savings checking and slate with them

[afbar1114]

i applied for chase 6-8 months ago got the 7-10 day notice....applied for slate in jan got a $500 CL with 0%apr for 15 months you will only get this you have good credit...CL was a trial bases and will get CLI's at some point a bunch of CSR's and the chase exce office told me this. i apple for chase a few times over the past few years always 7-10 days..this time with freedom said pending and may take 30 days...2 CSR's and a exec CSR said they are varyifying stuff...i did put i was a student making 25k a year at job for 7 years... CSR's said if they wanted to deny it they would have right away