topic Re: Approval or Denial? in Credit Card Applications

Approval or Denial?

JSS3 — Sat, 30 Jan 2016 14:38:43 GMT

Re: Approval or Denial?

OmarGB9 — Sat, 30 Jan 2016 14:43:13 GMT

Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 14:44:29 GMT

@OmarGB9 wrote:
Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

I've gotten the 30 day. Didn't call. Denied.

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 14:45:07 GMT

@OmarGB9 wrote:
Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

When is it a verification and should call in?

Re: Approval or Denial?

OmarGB9 — Sat, 30 Jan 2016 15:27:53 GMT

You can call the backdoor numbers and see if they just want to verify something. If they try to transfer you to lending, then hang up.

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 15:47:47 GMT

@OmarGB9 wrote:
You can call the backdoor numbers and see if they just want to verify something. If they try to transfer you to lending, then hang up.

Chase: 888-688-6708 (Verification department)

Chase 800-278-8830 (Verification department)

Those numbers right?

Re: Approval or Denial?

Anonymous — Sat, 30 Jan 2016 15:58:12 GMT

Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 16:15:22 GMT

@Anonymous wrote:
Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000

Call verification numbers above, correct?

Re: Approval or Denial?

CreditCuriosity — Sat, 30 Jan 2016 21:54:41 GMT

@JSS3 wrote:
@Anonymous wrote:
Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000
Call verification numbers above, correct?

JSS3 I would pesonally call the automated status line and see what message that gives you .. If it is 2 week message or 30 day message by the automated system I would sit tight and lets the application run its course and NOT call UW/verification unless you get a letter. If it is 7-10 days then most likely that is a denial.. Wait for either the approval call every day or two the automated system and if approved it will change and say approved and give limit. Othewise wait for the mail. The phone system gives it away 90% of the time whether you are going to be approved or not based on the message you get from the automated system. Best of luck!

Chase: 800-436-7927 (App status - automated)

follow the prompts to get application status, but don't speak to a live person or changes are you might get transferred to UW which usually ends up bad for many people vs. letting it run it course

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 23:04:54 GMT

Thanks CC!!!

Did back to back apps earlier for co-branded cards. Instantly approved for one. Received message above for the other. Just called app status. Robo lady said they don't recognize social?

Got 3 Chase cards now. They know the social. Lol

Re: Approval or Denial?

CreditCuriosity — Sat, 30 Jan 2016 23:11:30 GMT

@JSS3 wrote:
Thanks CC!!!

Did back to back apps earlier for co-branded cards. Instantly approved for one. Received message above for the other. Just called app status. Robo lady said they don't recognize social?

Got 3 Chase cards now. They know the social. Lol

Sure you entered it correclty? Try again and see if it takes.. Back to back apps are a bit more tricky as I am sure you know... Usually one gets approved and one gets denied altough sometimes they obviously will all get approved. Two approval max per month although if you applied for a 3rd that month it still can be approved after the 30 or 31 days, etc...

Re: Approval or Denial?

JSS3 — Sat, 30 Jan 2016 23:38:12 GMT

@CreditCuriousity wrote:
@JSS3 wrote:
Thanks CC!!!

Did back to back apps earlier for co-branded cards. Instantly approved for one. Received message above for the other. Just called app status. Robo lady said they don't recognize social?

Got 3 Chase cards now. They know the social. Lol
Sure you entered it correclty? Try again and see if it takes.. Back to back apps are a bit more tricky as I am sure you know... Usually one gets approved and one gets denied altough sometimes they obviously will all get approved. Two approval max per month although if you applied for a 3rd that month it still can be approved after the 30 or 31 days, etc...

Checked again.

She said, "App is being reviewed. You will be notified in writing of our decision in approximately 2 weeks."

Re: Approval or Denial?

toi34 — Sun, 31 Jan 2016 01:11:07 GMT

Is there a difference between the "7-10" message and the " 2 weeks" message? I mean isn't it basically the same timeframe?

Re: Approval or Denial?

Anonymous — Sun, 31 Jan 2016 01:38:28 GMT

2 weeks = 95 % approval...i got this message with my Ritz. approved 5 days later $5k

Re: Approval or Denial?

ddemari — Sun, 31 Jan 2016 04:33:24 GMT

I've great luck with a 2 week message and just as great of luck when the robo lady doesn't have any info on my application.

Re: Approval or Denial?

JSS3 — Sun, 31 Jan 2016 12:52:43 GMT

What will you hear that indicates it's going to be a denial due to verification? This way, I can call them up and give that info so it won't result in a denial.

Re: Approval or Denial?

Anonymous — Tue, 02 Feb 2016 00:45:09 GMT

Might want to be prepared for a wait. I'm three weeks into my two weeks. I tried calling verification about five days ago and they said they didn't show they needed anything at that time and my app was still pending. Still 2 week message on the automated line today and nothing in the mail. I'd rather not have to talk to lending so I'm just trying to wait it out. I do not have any other Chase cards though, don't know if that is part of the hold up.

Re: Approval or Denial?

JSS3 — Wed, 03 Feb 2016 00:58:18 GMT

Yeah...says it's still under review.

Re: Approval or Denial?

CreditCuriosity — Wed, 03 Feb 2016 01:56:01 GMT

Patience is a vrtiue or so they say!