topic Re: Chase Ritz Carlton approval odds in Credit Card Approvals

Chase Ritz Carlton approval odds. Update

Anonymous — Mon, 18 Apr 2016 23:44:32 GMT

hello everyone I am new to this forum but recently have started in the "game". My question is regarding my application recently for the ritz Carlton visa. I applied on 4/6 and was not instantly approved. I Calle the automated line on day one and got the "2 week message" on day 2 I called and since than have gotten the "30 day message". As of today I am still getting the message. My current EQ score which they pulled is 675. My utilization is approx. 9% and my AAOA is 1.6 years because of recent cards I have obtained. I have 11 inquiries on file on equifax. My Trans score is 715 with 5 inquiries. Now since October 2015 I have gotten Cap venture and quicksilver with 3k limits. In February I did an Amex app fest and got 4 Amex in one day platinum, bLuke, and delta. Surprisingly those have not showed up on any credit report yet. My discover it form feb has a 6.5k limit and my restoration hardware is 9k limit. Again no card has more that 9% utilization some with 0 balance. I do not have a chase card but did apply for the sapphire 2 months ago and was turned down because of the 5/24 rule. Just curious what everyone's thoughts are on my chances. My income is 150k btw.

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 00:32:38 GMT

Unfortunately Chase has implimented this new rule across all their cards... I normally get approved right away with chase 100% before now i cant even get unlimited or marriot card. both went into two weeks reviews.

I am PC customer with chase but due to new policies its hard to get cards from chase. here is the article.

https://www.yahoo.com/finance/news/chase-5-24-rule-mile-churners-211932315.html

hope this help.

Re: Chase Ritz Carlton approval odds

myjourney — Fri, 15 Apr 2016 00:32:46 GMT

The fact that you've gotten the 30 day message and 2 week is good

The dreaded 7-10 message is what you don't want to see

Just let it ride and good luck

It may take some time but be patient

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 00:35:17 GMT

I was told the 5/24 rule hasn't applied yet to the co-branded cards that why I applied last week. I go to the ritz often for clients and would be a very useful card.

Re: Chase Ritz Carlton approval odds

myjourney — Fri, 15 Apr 2016 00:37:25 GMT

@Anonymous wrote:
Unfortunately Chase has implimented this new rule across all their cards... I normally get approved right away with chase 100% before now i cant even get unlimited or marriot card. both went into two weeks reviews.
I am PC customer with chase but due to new policies its hard to get cards from chase. here is the article.

https://www.yahoo.com/finance/news/chase-5-24-rule-mile-churners-211932315.html

hope this help.

I didn't see anything about all cards just what we've known for months which include

FU,CSP,Slate,Freedom not co-branded cards as of yet

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 00:50:07 GMT

Yeah from everything I've read is to not call unless I get an actual denial letter.

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 01:50:23 GMT

The 5/24 rule is not being applied to the cobranded cards as of yet. The Yahoo article is nothing new.

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 01:57:36 GMT

I was approved with a 710 TU, 3 years history, 6 cards within a year, 8 month average age of credit, 10% Utilization, 150k a year, 20k in savings with Chase... Approved for 20k. Go figure.

I did not recieve an instant approval. Got the e-mail 2 days later. Account showed in my Chase online account within 24 hours of application though.

Re: Chase Ritz Carlton approval odds

Anonymous — Fri, 15 Apr 2016 13:27:56 GMT

Still getting "30 day message " as of this morning. Does this ever change through out the day? Just curious what takes so long and what the actual process is they do. It seems the 30 day message when it's prolonged is a good sign but you just never know with chase .

Re: Chase Ritz Carlton approval odds

Anonymous — Mon, 18 Apr 2016 23:46:50 GMT

So as a tip I heard I called the "verification line" making sure not to get lending. She was very nice and said oh this is being handled by ritz Carlton directly. Let me transfer you over and they may ask a few security verification questions. I said ok but when she went to transfer I hung up in case it was lending and I know you don't want to talk to them. My question is is there a Ritz Carlton Department? Could they be setting up my rewards number or was she just lying and that's lending lol. My auto message still says 30 days btw.

Re: Chase Ritz Carlton approval odds

Anonymous — Tue, 19 Apr 2016 00:31:14 GMT

@Anonymous wrote:
So as a tip I heard I called the "verification line" making sure not to get lending. She was very nice and said oh this is being handled by ritz Carlton directly. Let me transfer you over and they may ask a few security verification questions. I said ok but when she went to transfer I hung up in case it was lending and I know you don't want to talk to them. My question is is there a Ritz Carlton Department? Could they be setting up my rewards number or was she just lying and that's lending lol. My auto message still says 30 days btw.

There are definitely CSRs from JP Morgan that are separate from the regular Chase CSRs that often deal with the Ritz applications. They arent setting up your rewards number yet because that's handled by Marriott/Ritz and you're not approved yet. You can continue to wait it out or call back and talk to the JP Morgan CSRs which still is 'lending' but they may or may not just ask you verification quesrions.

Re: Chase Ritz Carlton approval odds

Anonymous — Tue, 19 Apr 2016 00:40:16 GMT

Thank you for the information. I think it seems the best course of action is to just wait it out. Are these higher up than the normal? Just curious if it has made it to a "next level" type department.

Re: Chase Ritz Carlton approval odds. Update

nitrov — Wed, 20 Apr 2016 19:31:38 GMT

any update on this?

Re: Chase Ritz Carlton approval odds

Anonymous — Wed, 20 Apr 2016 20:10:47 GMT

@Anonymous wrote:
Thank you for the information. I think it seems the best course of action is to just wait it out. Are these higher up than the normal? Just curious if it has made it to a "next level" type department.

Sorry for delayed response. Yes they are 'higher' up. Back when I applied for my Ritz, my credit and standing with Chase was much worse than it is now and I applied and was denied. Called recon and they brought up an old 1993 charge off from a card that Chase bought out. This was a card my ex wife opened w/o my knowledge. By this time I had already been approved for a Freedom and CSP in the previous couple months and being grlled by the CSR about same item for the CSP application. First CSR I talked to wouldnt budge because of this and it remained a denia. Waited bit and called again. Different CSR but same outcome. I was about to give up when a previous poster here who was big on multiple recon calls if necessary encouraged me to call back a third time. I was reluctant but finally called. Third CSR was more amenable but still wouldnt overturn decision but finally said look if you want I'll transfer you to the JP Morgan reps who can make a final decision. She transfers me and the JP Morgan rep was aware that the three Chase reps had denied but not once brought up the old charge off (was like he didn't care) and after few minutes and reviewing why I had applied for so many cards recently, he approved me. Remember for JP Morgan, this card is just below the Palladium card in prestige (actually better benefits) so those CSRs are focused on the card and its applicants.

Re: Chase Ritz Carlton approval odds

Anonymous — Wed, 20 Apr 2016 20:23:20 GMT

Yeah as of today I still am getting the 30 day message and it's been 14 days. I do not have any relationship with chase but have scores from 680-715 and 9% utilization. It seems they are being pretty flexible on the ritz and Marriott cards lately with so many approvals I hear about. Just going to continue to wait it out and see and recon if needed.

Re: Chase Ritz Carlton approval odds

nitrov — Wed, 20 Apr 2016 20:30:16 GMT

I apped for Marriott on 3/25 and didn't get an approval until like 4/13 or so, so it took a solid 3 weeks for me. I wish I knew more about Ritz cuz I would've gone for that one instead. Now I'm going to try and app for Ritz, hope I get approved...worst case I'll try and use the Marriott CL to open Ritz if I have to

Re: Chase Ritz Carlton approval odds

Anonymous — Wed, 20 Apr 2016 21:27:52 GMT

I'm honestly curious how the process works. I mean some get approved in a few days where some are taking weeks but seem to eventually get approved if you leave it alone. Only thing I can think is that it gets approved at one department than has to go to another for or " ritz Carlton department" for a final approval. The whole system I find interesting on how it actually works. I thought it was all automated but if it's taking this long human eyes it seems have to be involved.

Re: Chase Ritz Carlton approval odds

ibmrad7 — Wed, 20 Apr 2016 22:01:02 GMT

I still think they are just waiting for your Verification call ;-)

Re: Chase Ritz Carlton approval odds

Anonymous — Wed, 20 Apr 2016 23:51:32 GMT

Haha no way I tried that I'm not gonna let them transfer me lol

Re: Chase Ritz Carlton approval odds

ibmrad7 — Thu, 21 Apr 2016 00:48:09 GMT

@Anonymous wrote:
Haha no way I tried that I'm not gonna let them transfer me lol

LOL Just saying.....

topic Re: Chase Ritz Carlton approval odds in Credit Card Approvals

Chase Ritz Carlton approval odds. **Update**

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds. **Update**

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Re: Chase Ritz Carlton approval odds

Chase Ritz Carlton approval odds. Update

Re: Chase Ritz Carlton approval odds. Update