topic Re: Approval and advice for others in Credit Card Approvals

Approval and advice for others

Anonymous — Thu, 18 Dec 2014 01:57:35 GMT

After posting this morning about the Ritz Carlton offer and seeing how many were getting approved I couldn't resist and applied despite my concerns about being denied for inquiries, short time with Chase and new accounts.

Got the dreaded ten day message which I knew meant denial but I called in just like I had to do with the CSP. Unlike that call where the analyst fairly quickly approved me this one wasn't so 'friendly' and only wanted to read what was going to be sent out in the denial letter which included 'high balances on current Chase products' I told her that was wrong as I had $0 balances on my two cards and low utilization overall. Didn't want to listen and said nothing she could do. Posted on the credit card forum and Nixon and Membersince2013 encouraged me to call right back. Now in the past I would never have called again and lived with the denial as I think most people that don't read these forums would do. Thus I called back and second analyst said denied as well (of course) and broUght up an issue for 1993 about a card that went to collections. The card was a product that chase bought out. I explained to this analyst that this was already dealt with when I applied for the CSP and I thought we were beyond that point. No dice. Denial still but this one did agree to send me to Priority Service at JP Morgan for 'final' decision. Gentleman comes on and I tell him what's going on. He doesn't bring up any of the issues the first two analysts mentioned but that his concern was the number of new cards Ive opened in such a short period because of their concerns about what happens when people do that. We had a nice conversation about why (post divorce) and after putting me on hold for quite awhile he comes back and approves me for $10K.

My advice here is that even when you are shy or reluctant to call after being denied, don't give up and keep trying. Good things happen!

Re: Approval and advice for others

Anonymous — Wed, 17 Dec 2014 23:57:12 GMT

Real solid recon, congratulations! Those points will be much sweeter after the work you put in to earn them.

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 00:03:06 GMT

Congratulations! Good week for you.

Re: Approval and advice for others

coldnmn — Thu, 18 Dec 2014 00:23:00 GMT

Congrats! Thanks for sharing.

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 00:24:02 GMT

@Anonymous wrote:
After posting this morning about the Ritz Carlton offer and seeing how many were getting approved I couldn't resist and applied despite my concerns about being denied for inquiries, short time with Chase and new accounts.

Got the dreaded ten day message which I knew meant denial but I called in just like I had to do with the CSP. Unlike that call where the analyst fairly quickly approved me this one wasn't so 'friendly' and only wanted to read what was going to be sent out in the denial letter which included 'high balances on current Chase products' I told her that was wrong as I had $0 balances on my two cards and low utilization overall. Didn't want to listen and said nothing she could do. Posted on the credit card forum and Nixon and Membersince2013 encouraged me to call right back. Now in the past I would never gave called again and lived with the denial as I think most people that don't read these forums would do. Thus I called back and second analyst said denied as well (of course) and broUght up an issue for 1993 about a card that went to collections. The card was a product that chase bought out. I explained to this analyst that this was already dealt with when I applied for the CSP and I thought we were beyond that point. No dice. Denial still but this one did agree to send me to Priority Service at JP Morgan for 'final' decision. Gentleman comes on and I tell him what's going on. He doesn't bring up any of the issues the first two analysts mentioned but that his concern was the number of new cards Ive opened in such a short period because of their concerns about what happens when people do that. We had a nice conversation about why (post divorce) and after putting me on hold for quite awhile he comes back and approves me for $10K.

My advice here is that even when you are shy or reluctant to call after being denied, don't give up and keep trying. Good things happen!

Nice post. You made apply after your approval. Thank you for posting this offer.

Re: Approval and advice for others

alvon123 — Thu, 18 Dec 2014 00:27:40 GMT

congrats on the recon

Re: Approval and advice for others

Anomalous — Thu, 18 Dec 2014 00:27:45 GMT

Congratulations!

Re: Approval and advice for others

uswala — Thu, 18 Dec 2014 01:07:45 GMT

Congrats!

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 01:17:14 GMT

Congratulations on your recon approval...Persistence Wins! You and Nixon are Hall of Famers now with the recon's! Continue Success in The World of Credit Cards!

Re: Approval and advice for others

chalupaman — Thu, 18 Dec 2014 01:26:45 GMT

Once again, well deserved and congrats to you. I hope you enjoy your new card a lot. I could have easily talked myself out of not taking a risk by apping for this card but I went with my gut feeling and it payed off handsomely.

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 01:33:50 GMT

Congrats!

Re: Approval and advice for others

Lyythine — Thu, 18 Dec 2014 01:55:01 GMT

Congrats! Great job on the persistence, I dont think I would have called again either, but obviously, it pays off!

Re: Approval and advice for others

Billybob_TX — Thu, 18 Dec 2014 02:09:41 GMT

Good story, I hate calling in and getting grilled. Glad it worked out positively for you!

Re: Approval and advice for others

NRB525 — Thu, 18 Dec 2014 05:43:48 GMT

Congratulations! That is some serious persistence.

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 05:50:43 GMT

It is nothing to me to explain my past foibles, If one rep won't hear me out and extend a little confidence. I try the next one until I get the desired result.

To everyone who thinks a denial written in stone....I have two words for you.

No Deal.

Re: Approval and advice for others

Anonymous — Mon, 19 Jan 2015 02:33:09 GMT

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 09:56:24 GMT

Congratulations!

Re: Approval and advice for others

Anonymous — Thu, 18 Dec 2014 10:10:12 GMT

Great Job! What an awesome story! I love this forum, education with inspiration. I will be persistent next time I am in a denial situation.