topic Re: Chase Denied CLI and Closed in Credit Card Applications

Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:34:30 GMT

i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:35:23 GMT

@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....

Why do you close everything that doesn't give you a CLI?

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:41:41 GMT

@Anonymous wrote:
@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....
Why do you close everything that doesn't give you a CLI?

i was shocked when they both told me they can see that Charge Off there and because of it they are NOT going to give me anything, i made so many mistakes a long time ago and i didn't even remember that i had a Chase credit card that many years ago until they both told me today, if i would've remembered that i did that to Chase that many years ago then i would've never applied for Chase cards at all this year....

Re: Chase Denied CLI and Closed

Ragelog — Sat, 15 Nov 2014 16:44:34 GMT

@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....

So the bank you burned is nice enough to extend you credit on quality cards and since they decide against a CLI at this time you close the account. I get being disappointed maybe but you should be thrilled they extended credit even though you had previous negative history with them.

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:50:25 GMT

what were the credit limits on each cards?

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:57:28 GMT

@Ragelog wrote:
@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....
So the bank you burned is nice enough to extend you credit on quality cards and since they decide against a CLI at this time you close the account. I get being disappointed maybe but you should be thrilled they extended credit even though you had previous negative history with them.

i think you are right, but i think i want to be with banks that don't know about my irresponsible past, i'm a very responsible person now and there is nothing negative on my credit reports and the idea of continuing doing business with a bank that is always going to treat me like an Adopted child, doesn't sound like fun to me, besides, Chase now a days is closing people's accounts for any little thing, Chase is tough and they don't even have a CLI online button like other banks have....

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:56:13 GMT

@Anonymous wrote:
what were the credit limits on each cards?

$1000 each

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:57:47 GMT

@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each

maybe you should've just moved freedom's cl to aarp rather than closing both cards

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 16:59:46 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
maybe you should've just moved freedom's cl to aarp rather than closing both cards

i tried moving the Credit line of the Freedom to the AARP first and that request was Declined....

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 17:00:16 GMT

@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each

Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 17:05:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.

yup, and Chase approved me but gave me Toy limits and their intent was to keep me with those Toy limits for life, i called for Recon with such a possitive attitude never thinking that i was going to learn that Chase was one of the banks a burned over a Decade ago..........

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 17:08:56 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.
yup, and Chase approved me but gave me Toy limits and their intent was to keep me with those Toy limits for life, i called for Recon with such a possitive attitude never thinking that i was going to learn that Chase was one of the banks a burned over a Decade ago..........

Well. You DID burn them.

I'd be happy to get back in with BoA with a BBR toy limit or not.

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 18:05:43 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.
yup, and Chase approved me but gave me Toy limits and their intent was to keep me with those Toy limits for life, i called for Recon with such a possitive attitude never thinking that i was going to learn that Chase was one of the banks a burned over a Decade ago..........
Well. You DID burn them.

I'd be happy to get back in with BoA with a BBR toy limit or not.

yeah, i know it is my fault for being an irresponsible teenager a long time ago, i like doing business with BOA better, BOA has treated me right and as far as i know i had not done anything bad to them in the past but you never know

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 17:25:41 GMT

if i would've continued with Chase i can see myself, everytime i get Declined for a CLI and call for Recon they reminding me of what i did to them in the past....

Re: Chase Denied CLI and Closed

ExplicitElicit — Sat, 15 Nov 2014 17:34:05 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.
yup, and Chase approved me but gave me Toy limits and their intent was to keep me with those Toy limits for life, i called for Recon with such a possitive attitude never thinking that i was going to learn that Chase was one of the banks a burned over a Decade ago..........
Well. You DID burn them.

I'd be happy to get back in with BoA with a BBR toy limit or not.

I havn't done anything to them and I just want in with the BBR, and to OP Chase would not approve me for a CLI on my freedom but was willing to give me a CSP all in the same day. Cancelling cards is not the answer, especially cards that had great incentives. Chase works in mysterious ways you just have to be patient.

Re: Chase Denied CLI and Closed

joedtx — Sat, 15 Nov 2014 17:36:13 GMT

@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....

Chase is very sensative these days, i'm sure there will be many differing opinions but the same way they may have 'robo approved' you for both cards do you think the same might have happened with auto cli's because it would be based on a different criteria as opposed to manual review? Either way I understand your feelings on this matter we've all done a thing or two that later on we regretted, and i'm glad you've moved on to a better standing

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 17:51:47 GMT

@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....

Lot's of different views on Chase and closing accounts on this thread. Chase got my accounts from Providian and then WAMU. They put me on a siding and many others found Chase closing their accounts. In 2010 Chase greatly reduced my credit lines. I was so mad... in the end I called and talked them into restoring my credit lines. Finally, (they were in my BK7 from 2001) I was able to app (2013) and get approved for a Chase Freedom Mastercard (converted to a Visa July 2014 - not my choice). From there I was able to finally get the Chase Freedom Visa upgraded to include the Visa Signature option (no I didn't need it but it was about getting Chase to recognize my credit rebuild and they did). Also, Chase upgraded my older Chase Business Ink Cash Rewards card to a Visa Signature version (April 2014). The bottom line is I totally share your feelings and wanted to walk away but something kept knawing at me (it wasn't rats) to hang in their and maybe just maybe there would be a second chance. Note, the second chance took from 2001 to 2013... a long time in my view. Hard to remain cool sometimes (speaking for myself).

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 18:04:39 GMT

@ExplicitElicit wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
what were the credit limits on each cards?
$1000 each
Reason # 3 why I didn't go for that 22.5K UR offer posted yesterday.

I have two recent Chase approvals and don't want a pissant limit on my 3rd or 4th card from them.
yup, and Chase approved me but gave me Toy limits and their intent was to keep me with those Toy limits for life, i called for Recon with such a possitive attitude never thinking that i was going to learn that Chase was one of the banks a burned over a Decade ago..........
Well. You DID burn them.

I'd be happy to get back in with BoA with a BBR toy limit or not.
I havn't done anything to them and I just want in with the BBR, and to OP Chase would not approve me for a CLI on my freedom but was willing to give me a CSP all in the same day. Cancelling cards is not the answer, especially cards that had great incentives. Chase works in mysterious ways you just have to be patient.

Chase is the biggest bank in USA but i'm trying to forget about my bad past in terms of credit cards and it looks like Chase had no plans of letting me do so....

Re: Chase Denied CLI and Closed

Anonymous — Sat, 15 Nov 2014 18:12:51 GMT

@joedtx wrote:
@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....
Chase is very sensative these days, i'm sure there will be many differing opinions but the same way they may have 'robo approved' you for both cards do you think the same might have happened with auto cli's because it would be based on a different criteria as opposed to manual review? Either way I understand your feelings on this matter we've all done a thing or two that later on we regretted, and i'm glad you've moved on to a better standing

thanks ............Chase approved me for the 2 Chase cards manually and rejected me for the CLI both their system and manually, i have never been approved for a Chase card without being done manually...............anyways there is life after Chase, i hope so

Re: Chase Denied CLI and Closed

joedtx — Sat, 15 Nov 2014 18:13:59 GMT

@Anonymous wrote:
@joedtx wrote:
@Anonymous wrote:
i burned Chase 12 years ago but they approved me for 2 Chase credit cards this year, the Freedom and the AARP, i applied for a Credit line increase for both Cards and they were Declined, then i called to Recon and spoke to a Credit Analyst Specialist and had NO luck then i was transferred to a Senior Credit Analyst Specialist and both told me i can NOT get a CLI because they can see i had a Chase credit card that was Charged Off in the year 2002, i got so mad i closed both Chase accounts today....
Chase is very sensative these days, i'm sure there will be many differing opinions but the same way they may have 'robo approved' you for both cards do you think the same might have happened with auto cli's because it would be based on a different criteria as opposed to manual review? Either way I understand your feelings on this matter we've all done a thing or two that later on we regretted, and i'm glad you've moved on to a better standing
thanks ............there is life after Chase, i hope so

This is just a rumor but i've heard there are 'other' banks out there I know it's hard to believe shhhhh....... don't let this get out.