topic Re: Chase Recon Fail Again in Credit Card Applications

Chase Recon Fail Again

SpecFile — Sat, 29 Apr 2017 18:05:09 GMT

It's been a while since I posted so here goes.

8 years post bk (Chase IIB) and appd for Marriott Rewards. I have a good job and a perfect history since bk. I also have a year of reserve funds in savings which I mentioned to them as welI. Scores are in the 730s across the board with 2 inqs on each report. 30k total cls with under 10% util. I thought the recon went well but was declined after 12 minutes on hold. Bk will fall off in another 2 years so I'll give it another shot at that time.

Hope this info helps others with their decision to apply or not.

Re: Chase Recon Fail Again

Anonymous — Sat, 29 Apr 2017 18:12:16 GMT

That's a bummer, SpecFile. Have you ever tried the Chase Amazon Visa Signature? I got approved for a $500 SL on recon 15 months post-BK. Chase was IIB too. I was amazed I got approved, and very grateful. I've read several posts lately about others getting approved post-BK on recon too. Amazon might be a way to get your foot in the door to start establishing a positive history with them. Good luck!

Re: Chase Recon Fail Again

SpecFile — Sat, 29 Apr 2017 18:18:46 GMT

@Anonymous wrote:
That's a bummer, SpecFile. Have you ever tried the Chase Amazon Visa Signature? I got approved for a $500 SL on recon 15 months post-BK. Chase was IIB too. I was amazed I got approved, and very grateful. I've read several posts lately about others getting approved post-BK on recon too. Amazon might be a way to get your foot in the door to start establishing a positive history with them. Good luck!

Thanks Bella! I really don't need the Amazon card. The only reason I appd for the Marriott card is because I spend about 60 nights/yr there and would benefit greatly. Thanks for the suggestion though.

Re: Chase Recon Fail Again

Anonymous — Sat, 29 Apr 2017 22:10:23 GMT

@SpecFile wrote:
@Anonymous wrote:
That's a bummer, SpecFile. Have you ever tried the Chase Amazon Visa Signature? I got approved for a $500 SL on recon 15 months post-BK. Chase was IIB too. I was amazed I got approved, and very grateful. I've read several posts lately about others getting approved post-BK on recon too. Amazon might be a way to get your foot in the door to start establishing a positive history with them. Good luck!
Thanks Bella! I really don't need the Amazon card. The only reason I appd for the Marriott card is because I spend about 60 nights/yr there and would benefit greatly. Thanks for the suggestion though.

I've stayed at a Courtyard before, and just stayed in a Marriott for the first time on Tuesday night for a training I attended. I have to say I was very impressed! Do you already belong to their rewards program? I just signed up, and might look at the Marriott card someday when Chase trusts me again.

Re: Chase Recon Fail Again

SpecFile — Sat, 29 Apr 2017 22:35:37 GMT

@Anonymous wrote:
@SpecFile wrote:
@Anonymous wrote:
That's a bummer, SpecFile. Have you ever tried the Chase Amazon Visa Signature? I got approved for a $500 SL on recon 15 months post-BK. Chase was IIB too. I was amazed I got approved, and very grateful. I've read several posts lately about others getting approved post-BK on recon too. Amazon might be a way to get your foot in the door to start establishing a positive history with them. Good luck!
Thanks Bella! I really don't need the Amazon card. The only reason I appd for the Marriott card is because I spend about 60 nights/yr there and would benefit greatly. Thanks for the suggestion though.
I've stayed at a Courtyard before, and just stayed in a Marriott for the first time on Tuesday night for a training I attended. I have to say I was very impressed! Do you already belong to their rewards program? I just signed up, and might look at the Marriott card someday when Chase trusts me again.

I love Marriott. I am a rewards member. I'll try again in a couple of years with Chase. No biggie.

Re: Chase Recon Fail Again

Anonymous — Sat, 29 Apr 2017 22:54:24 GMT

Sorry to hear about your recon, but I agree with Bella on the chase Amazon. Although you don't have any use for it now, it could open the door for a Marriot approval. Just something to think about.

Re: Chase Recon Fail Again

SpecFile — Sun, 30 Apr 2017 22:20:50 GMT

@Justagirl73 wrote:
Sorry to hear about your recon, but I agree with Bella on the chase Amazon. Although you don't have any use for it now, it could open the door for a Marriot approval. Just something to think about.

Thanks JAG. I get what you're saying but I'll just wait it out.

Re: Chase Recon Fail Again

SpecFile — Sat, 03 Jun 2017 19:49:57 GMT

So it's been over 30 days and I have not received a written response regarding my application denial. I did recon and was NOT recommended for approval. The app status line says app is under review and I should receive a response in the mail in 7-10 days. It's been saying that for over 30 days now. I thought they were required to provide me with something in writing. Is this correct?