topic Re: Pulled the trigger on Chase in Credit Card Applications

Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 03:58:08 GMT

Well, I decided to pull the trigger and cold app the freedom. Got the "your application needs further review" message. I guess at least it wasn't a flat out denial. According to the credit pull database, Chase is mostly pulling TU and EX for the freedom. Anybody got this message and been approved?

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 04:00:11 GMT

Could be ID verification or that your app needs to be manually reviewed by an underwriter. Doesn't mean you are denied, or likely to be denied.

You can wait it out, or you can call Backdoor tomorrow. Some people prefer calling to have an answer right away, some people prefer waiting it out if they don't want to talk to an underwriter and possibly be asked questions that they do not want to answer.

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 04:09:29 GMT

@Anonymous wrote:
Well, I decided to pull the trigger and cold app the freedom. Got the "your application needs further review" message. I guess at least it wasn't a flat out denial. According to the credit pull database, Chase is mostly pulling TU and EX for the freedom. Anybody got this message and been approved?

I got that message when I applied for Freedom last year using the prequal link. 2 weeks later I received a letter about calling them for verification purposes, called and answered a bunch of questions and was approved. Hope you get it!!

Re: Pulled the trigger on Chase

chalupaman — Fri, 14 Nov 2014 04:17:42 GMT

If they tell you the app is going through verification, I guarantee that you're approved and that you need to give it some time.

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 04:30:19 GMT

@Anonymous wrote:
Well, I decided to pull the trigger and cold app the freedom. Got the "your application needs further review" message. I guess at least it wasn't a flat out denial. According to the credit pull database, Chase is mostly pulling TU and EX for the freedom. Anybody got this message and been approved?

It could just need further review.

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 05:33:17 GMT

Thanks for the replies. I may call them in the morning.

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 13:30:02 GMT

@Anonymous wrote:
Thanks for the replies. I may call them in the morning.

Always call! Find out whats going on.. if its simply to verify info you can do that in 5 minutes.. why wait up to 2 weeks via snail mail? If denied, then recon.. and then if that doesnt work recon again.. and if that doesnt work.. recon again!

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 14:20:31 GMT

@Anonymous wrote:
@Anonymous wrote:
Thanks for the replies. I may call them in the morning.
Always call! Find out whats going on.. if its simply to verify info you can do that in 5 minutes.. why wait up to 2 weeks via snail mail? If denied, then recon.. and then if that doesnt work recon again.. and if that doesnt work.. recon again!

Be like Nixon?

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 17:54:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Thanks for the replies. I may call them in the morning.
Always call! Find out whats going on.. if its simply to verify info you can do that in 5 minutes.. why wait up to 2 weeks via snail mail? If denied, then recon.. and then if that doesnt work recon again.. and if that doesnt work.. recon again!
Be like Nixon?

Haha When denied for app.. you always Nixon them! aka recon!

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 19:10:59 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Thanks for the replies. I may call them in the morning.
Always call! Find out whats going on.. if its simply to verify info you can do that in 5 minutes.. why wait up to 2 weeks via snail mail? If denied, then recon.. and then if that doesnt work recon again.. and if that doesnt work.. recon again!
Be like Nixon?
Haha When denied for app.. you always Nixon them! aka recon!

Recon till they can't say no.

Re: Pulled the trigger on Chase

Anonymous — Fri, 14 Nov 2014 19:21:24 GMT

@Anonymous wrote:
Well, I decided to pull the trigger and cold app the freedom. Got the "your application needs further review" message. I guess at least it wasn't a flat out denial. According to the credit pull database, Chase is mostly pulling TU and EX for the freedom. Anybody got this message and been approved?

Received the same message last year after Chase did two HPs. Called the backdoor number (thanks to myfico posters) and had a very comprehensive review with a credit analyst. Went into it thinking I was dead meat and came out with an approval.

Re: Pulled the trigger on Chase

capitalkid — Fri, 21 Nov 2014 18:30:17 GMT

Just wait it out . Chase takes a while sometimes. Last year DH apped for prequal offer in mail. Oct 10 2013, they went to that message. 10 days later it was approved 7 days later it went put in the mail all Niall it was a month long process but it was just slow going. No calls or verifications or anything just slow. Don't worry yet. Good luck

Re: Pulled the trigger on Chase

Burned2manybridgesB4 — Sat, 22 Nov 2014 02:22:52 GMT

If this is what you got, let it ride. I very rarely get instant approvals.

Re: Pulled the trigger on Chase

Burned2manybridgesB4 — Sat, 22 Nov 2014 20:31:53 GMT

Well, that was short. Ghost account listed as Chase card showed on mint, and checkme. Guessing the chase computer passed the info, since my CSP is already monitored with the above listed balance checkers. Last four numbers of new card even showing on checkme. No confirmation from Chase, so I'm guessing the computer approved it, but an underwriter needs to assign a limit yet?