topic Re: CSR Denial in Credit Card Applications

CSR Denial

ray8806 — Sat, 05 Nov 2016 04:58:23 GMT

This is just for the data point.
Applied for CSR, got 7-10 day notice.

Profile:
AoA: 1 y 6 m
Total CC: 9 (I know my soggy is outdated. Hard to update on mobile)
Total Credit Limit: ~$58,000
Credit Used- $21,000

Nothing new on credit for a full year except a few inquiries for mortgage.

Re: CSR Denial

austinguy907 — Sat, 05 Nov 2016 06:14:45 GMT

I'll bet it has something to do with the 21K in debt you're carrying. Could always call and recon though..... seems to be working lately for some people.

Re: CSR Denial

Anonymous — Sat, 05 Nov 2016 06:29:34 GMT

That's high utilization. I'd pay that down and then re app

Re: CSR Denial

CreditDunce — Sat, 05 Nov 2016 06:43:12 GMT

So you have 9 CCs, 3 of which are older than 2 years? Unless you are pre-approved, 6/24 will be an automatic denial for most Chase cards. Util isn't helping either.

Re: CSR Denial

Anonymous — Sat, 05 Nov 2016 12:36:53 GMT

@CreditDunce wrote:
So you have 9 CCs, 3 of which are older than 2 years? Unless you are pre-approved, 6/24 will be an automatic denial for most Chase cards. Util isn't helping either.

This is correct. It's the 6/24 that killed him. Surprised that he didn't wait until next month when two of the cards aged past two years.

Re: CSR Denial

ray8806 — Sat, 05 Nov 2016 13:51:19 GMT

Lol, I'm aware of my utilization guys and I'm aware of my 6/24. I just closed on a house, so I figured it wouldn't hurt to cross my fingers. Lol