topic Re: The Merits of Waiting for Chase! in Credit Card Approvals

The Merits of Waiting for Chase!

ridgebackpilot — Sat, 13 Feb 2016 08:03:47 GMT

Many people here have commented that it pays to wait (and not call the reconsideration line) after applying for a Chase card and receiving a message other than instant approval. The general consensus seems to be that calling the Chase recon number is seldom helpful to your cause and only exposes you to intrusive and sometimes downright hostile questioning.

A week or so ago, I broke down and applied for the Chase United Mileage Plus Club card, which is currently targeting an offer of free United Club membership for the first year. Since I travel a lot and fly United frequently, it was an attractive offer that I couldn't refuse, even though I already have the Chase United Explorer and Chase Sapphire Preferred cards.

Upon application, I received the "we need more time to evaluate your application" message online, and the 30-day Email. Calling the automated application status line yielded the "we'll notify you within 30 days" message from the outset. Rather than calling for verification, I decided to wait and see what transpired. Today I logged on to the Chase website to check my accounts. Lo and behold, my new Chase United Mileage Plus Club card was listed with a $17K SL!! Thanks, Chase! That's the largest SL I've received from Chase so far on any card. Incidentally, I received this approval and SL despite the fact that my FICO scores are in the mid-600s but my income is high and I use my Chase cards heavily and pay them down regularly.

The bottom line: My experience suggests that the advice we've received here is good. If you don't get instantly approved for a Chase card, wait a few weeks and see what happens. Resist the temptation to call the reconsideration numbers. You never know, you might be pleasantly surprised like I was today!

Re: The Merits of Waiting for Chase!

Anonymous — Sat, 13 Feb 2016 03:12:56 GMT

Wow, nice!! Congrats!!

Re: The Merits of Waiting for Chase!

ddemari — Sat, 13 Feb 2016 04:03:57 GMT

Congrats! My club card went pending for over 2 weeks until it sbowed up online. The status was always 2
Weeks on the phone. I agree wait it out

Re: The Merits of Waiting for Chase!

alextercero — Sat, 13 Feb 2016 07:01:23 GMT

Congrats

Re: The Merits of Waiting for Chase!

I-think-I-can — Sat, 13 Feb 2016 17:05:24 GMT

Wow! Nicely done! Congrats!

Re: The Merits of Waiting for Chase!

sandman2435 — Sat, 13 Feb 2016 23:14:47 GMT

@ridgebackpilot wrote:
Many people here have commented that it pays to wait (and not call the reconsideration line) after applying for a Chase card and receiving a message other than instant approval. The general consensus seems to be that calling the Chase recon number is seldom helpful to your cause and only exposes you to intrusive and sometimes downright hostile questioning.

A week or so ago, I broke down and applied for the Chase United Mileage Plus Club card, which is currently targeting an offer of free United Club membership for the first year. Since I travel a lot and fly United frequently, it was an attractive offer that I couldn't refuse, even though I already have the Chase United Explorer and Chase Sapphire Preferred cards.

Upon application, I received the "we need more time to evaluate your application" message online, and the 30-day Email. Calling the automated application status line yielded the "we'll notify you within 30 days" message from the outset. Rather than calling for verification, I decided to wait and see what transpired. Today I logged on to the Chase website to check my accounts. Lo and behold, my new Chase United Mileage Plus Club card was listed with a $17K SL!! Thanks, Chase! That's the largest SL I've received from Chase so far on any card. Incidentally, I received this approval and SL despite the fact that my FICO scores are in the mid-600s but my income is high and I use my Chase cards heavily and pay them down regularly.

The bottom line: My experience suggests that the advice we've received here is good. If you don't get instantly approved for a Chase card, wait a few weeks and see what happens. Resist the temptation to call the reconsideration numbers. You never know, you might be pleasantly surprised like I was today!

Or wait untill you receive the denile letter and than recon,Since you've already taking the hard pull,That has worked for me as well

Re: The Merits of Waiting for Chase!

s_haliz — Sat, 13 Feb 2016 23:21:23 GMT

Congrats!!!!!!!!

Re: The Merits of Waiting for Chase!

Anonymous — Sat, 13 Feb 2016 23:23:32 GMT

Good job and enjoy it...

Re: The Merits of Waiting for Chase!

Anonymous — Sun, 14 Feb 2016 05:37:46 GMT

This is true!

Re: The Merits of Waiting for Chase!

Anonymous — Sun, 14 Feb 2016 12:07:42 GMT

@ridgebackpilot wrote:
Many people here have commented that it pays to wait (and not call the reconsideration line) after applying for a Chase card and receiving a message other than instant approval. The general consensus seems to be that calling the Chase recon number is seldom helpful to your cause and only exposes you to intrusive and sometimes downright hostile questioning.

A week or so ago, I broke down and applied for the Chase United Mileage Plus Club card, which is currently targeting an offer of free United Club membership for the first year. Since I travel a lot and fly United frequently, it was an attractive offer that I couldn't refuse, even though I already have the Chase United Explorer and Chase Sapphire Preferred cards.

Upon application, I received the "we need more time to evaluate your application" message online, and the 30-day Email. Calling the automated application status line yielded the "we'll notify you within 30 days" message from the outset. Rather than calling for verification, I decided to wait and see what transpired. Today I logged on to the Chase website to check my accounts. Lo and behold, my new Chase United Mileage Plus Club card was listed with a $17K SL!! Thanks, Chase! That's the largest SL I've received from Chase so far on any card. Incidentally, I received this approval and SL despite the fact that my FICO scores are in the mid-600s but my income is high and I use my Chase cards heavily and pay them down regularly.

The bottom line: My experience suggests that the advice we've received here is good. If you don't get instantly approved for a Chase card, wait a few weeks and see what happens. Resist the temptation to call the reconsideration numbers. You never know, you might be pleasantly surprised like I was today!

Excellent! I had a similiar experience with Chase. Actually, it took three weeks and I thought I had a denial. (I burned them in my Chapter 13.) After three weeks, boom right out of nowhere came a phone call verification of identity and a 15k credit limit. It is a very good feeling, isn't it?

Re: The Merits of Waiting for Chase!

Anonymous — Sun, 14 Feb 2016 12:23:06 GMT

congrat,

good job

Re: The Merits of Waiting for Chase!

Anonymous — Sun, 14 Feb 2016 16:28:23 GMT

Waiting can be difficult, but it sounds like it worked out well for you!

Re: The Merits of Waiting for Chase!

mowglidude — Fri, 04 Mar 2016 15:31:07 GMT

Waiting to call is defitinely the best action. I applied on 2/12 for Marriott and CSP. After faxing and mailing DOB address verification, approved for $15K on Marriott and still pending on CSP. I sent in verification 10 later for CSP, so it is still within timeframe of the Marriott verification. Fingers crossed.

Re: The Merits of Waiting for Chase!

pakprotector — Thu, 31 Mar 2016 21:17:31 GMT

Did Chase call and ask for the things you sent in? Or did you call and were told that those things were needed?

thanks,

BLH

Re: The Merits of Waiting for Chase!

CreditMagic7 — Thu, 31 Mar 2016 22:11:19 GMT

Congrats!

Chase is sm0kin' HoT!