topic Re: Denied for Amazon Visa even after recon in Credit Card Applications

Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 15:12:09 GMT

I applied on the 11th and was immediately declined for too many new accounts and inquiries.

I called this morning and explained I had no prior credit history and wanted to start building. But the credit analyst mentioned I have more than ten new accounts opened in the past twenty four months.

She thoroughly went through my application and took her time. In the end she said she was not able to approve me. Is all hope lost?

I was also declined for the Uber credit card but was approved through recon

FICO scores are 740s with 3% Utilization. But my credit history is under 2 years

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 15:22:57 GMT

Chase is new account sensitive just like Citi. It has been said that they do that to avoid churners since they only want customers who are going to really use their cards regularly. To many, Chase is a "jealous" lender. Normally the co-branded cards are easier to get, however as you said you reconned and she took her time going through your application and specifically pointed out the ten new accounts in 24 months.

Personally I don't think they will approve it because their system probably flagged you as a potential "credit seeker" Sorry OP.

But hey, maybe try the HUCA strategy of calling back and trying rep after rep and maybe you will catch someone on their good day after they have had their coffee and they will approve you

Good luck to you!

Re: Denied for Amazon Visa even after recon

sghosh5 — Thu, 14 Jun 2018 15:27:25 GMT

Don't think another rep will approve. The Recon line stopped approving or even looking at an app which was already reconsidered once and turned down. They read from the notes of other rep. Happening with me. Better to just wait out with CHASE. They told me they are looking back for 6 months for new accounts/inquiries. To me it feels like they just want to deny for any reason and thus try to find the easy targets. I know a lot of people keep getting approved for new accounts with them and they have really good credit scores.

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 15:28:08 GMT

You may be on to something. I will call again tomorrow. I did apply for 4 credit cards on the 11th. Chase was the only one who declined me. They'll probably not approve me after those new accounts report.

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 15:29:13 GMT

The past six months I've opened two personal accounts. Citi and NFCU

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 15:34:08 GMT

Yeah my outlook on life is it doesn't hurt to ask. You already applied for it so the worse possible thing they can say to you is "No" which isn't a big deal. Well it is to some Americans since we are so freaked out by rejection

Good luck to you regardless!

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 17:20:10 GMT

>>I called this morning and explained I had no prior credit history and wanted to start building. But the credit analyst mentioned I have more than ten new accounts opened in the past twenty four months.<<

So is the analyst correct or not?

I doubt you'll be approved. Even if the new accounts haven't reported as yet they can see the number of recent inquiries. Plus any other analyst will refer to the notes from the previous reviews.

Re: Denied for Amazon Visa even after recon

patoot10 — Thu, 14 Jun 2018 18:16:00 GMT

Sorry about your denial. All lenders are getting tough with recent accounts and inquires. Except for Amex and Discover.

I have a question. You mentioned that you were able to recon the Uber denial. Can you wake us through the recon converstation?

What did they ask you and how did you answer because I know that Barclays asks specific questions related to denial reasons.

Thanks,

Re: Denied for Amazon Visa even after recon

AverageJoesCredit — Thu, 14 Jun 2018 18:18:48 GMT

Their loss, now go get the Synchrony version and get a nice usable limit with room to grow

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 18:35:52 GMT

@patoot10 wrote:
Sorry about your denial. All lenders are getting tough with recent accounts and inquires. Except for Amex and Discover.

I have a question. You mentioned that you were able to recon the Uber denial. Can you wake us through the recon converstation?

What did they ask you and how did you answer because I know that Barclays asks specific questions related to denial reasons.

Thanks,

My initial denial with Barclay was strange because the system didn't even run my credit report. It just flat denied. When I called he ran my credit report and asked me about my job. He approved me for $2.5k.

I just always assumed Chase has different lending criteria for there Amazon Visa. So I find it surprising that they were more new account sensitive than even Barclay. I'll call again tomorrow and offer to close my Ritz-Carlton.

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 18:36:58 GMT

@AverageJoesCredit wrote:
Their loss, now go get the Synchrony version and get a nice usable limit with room to grow

Not a bad idea actually. The special financing perk is very tempting

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 18:47:05 GMT

Except that in this case with Chase, there’s potentially the Ritz and Sapphire to lose. Every recon call is an invitation for manual review. Also, Barclays reports within a few business days.

If they’ve already noted you’ve shown credit seeking behavior and a new card shows up on a soft pull (who knows whether they’d do one) alongside 4 new inquires, I doubt they’d approve another one. 0 to 10 in 24 months fits bust out score profile.

Good luck and Godspeed , if you do call in for recon. If you don’t, still, good luck and Godspeed. I’ve always admired your card portfolio and the quickness in which it was attained. You seem to go for solid benefit cards. Kudos.

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 18:50:45 GMT

Wait.... You had 10 new accounts that showed on you credit history when you spoke with Chase recon... and... you have three more from the 11th? Thirteen not ten?

I would not HUCA. Many ppl are posting that after they get a new Chase card, older Chase cards are being closed. You have a CSP? I would not HUCA the AmazonPrime. Not chance geting a review and losing the CSP.

@Anonymous wrote:
You may be on to something. I will call again tomorrow. I did apply for 4 credit cards on the 11th. Chase was the only one who declined me. They'll probably not approve me after those new accounts report.

Re: Denied for Amazon Visa even after recon

arkane — Thu, 14 Jun 2018 19:00:57 GMT

@Anonymous wrote:
Except that in this case with Chase, there’s potentially the Ritz and Sapphire to lose. Every recon call is an invitation for manual review. Also, Barclays reports within a few business days.

If they’ve already noted you’ve shown credit seeking behavior and a new card shows up on a soft pull (who knows whether they’d do one) alongside 4 new inquires, I doubt they’d approve another one. 0 to 10 in 24 months fits bust out score profile.

Good luck and Godspeed , if you do call in for recon. If you don’t, still, good luck and Godspeed. I’ve always admired your card portfolio and the quickness in which it was attained. You seem to go for solid benefit cards. Kudos.

I agree, the limits on OP's CSP and Ritz-Carlton show that Chase approved OP for the bare minimum SL, so I think that's a clear sign Chase doesn't have too much faith in OP just yet. I'd try again in 6 months time instead of keep trying to recon, because at this point I've a feeling even if you get approved, they'll throw you a useles $500 limit.

Re: Denied for Amazon Visa even after recon

Anonymous — Thu, 14 Jun 2018 18:56:05 GMT

@Anonymous wrote:
@patoot10 wrote:
Sorry about your denial. All lenders are getting tough with recent accounts and inquires. Except for Amex and Discover.

I have a question. You mentioned that you were able to recon the Uber denial. Can you wake us through the recon converstation?

What did they ask you and how did you answer because I know that Barclays asks specific questions related to denial reasons.

Thanks,

My initial denial with Barclay was strange because the system didn't even run my credit report. It just flat denied. When I called he ran my credit report and asked me about my job. He approved me for $2.5k.

I just always assumed Chase has different lending criteria for there Amazon Visa. So I find it surprising that they were more new account sensitive than even Barclay. I'll call again tomorrow and offer to close my Ritz-Carlton.

I wrote my above prior to seeing this. You guys work fast. Lol. That’s a pretty solid plan, actually. But I’d still be weary.

They denied me in December for essentially the exact same reasons they originally denied you. I had 0 activity and then from April 2017 until December 2017, I accumulated 8 or 9 cards. I was fresh off a super easy recon call with Barclays and then WHAM the super mean lady at Chase picked up the phone for my recon. She honestly gave me the third degree. I gave up.

In March, I applied for the US Bank Altitude card and was denied for too many inquires/too many new accounts. There was some recent success with recon around these parts but I didn’t even try. I had flashbacks of the terrible recon call with Chase and decided to just burn the HP.

Re: Denied for Amazon Visa even after recon

Anonymous — Mon, 18 Jun 2018 04:26:59 GMT

@4theLoveofPoints

I feel your pain man.

I recall reading someone here having success with recon. I think they had around 120 hard inquiries. Pretty sure it was US Bank and USAA.

Re: Denied for Amazon Visa even after recon

Anonymous — Mon, 18 Jun 2018 15:35:26 GMT

@Anonymous wrote:
I applied on the 11th and was immediately declined for too many new accounts and inquiries.

I called this morning and explained I had no prior credit history and wanted to start building. But the credit analyst mentioned I have more than ten new accounts opened in the past twenty four months.

She thoroughly went through my application and took her time. In the end she said she was not able to approve me. Is all hope lost?

I was also declined for the Uber credit card but was approved through recon

FICO scores are 740s with 3% Utilization. But my credit history is under 2 years

Hold up a second. I'm confused here. You told the rep that you have no prior history but your credit report that they looked at, as well as your sig line, contradict that. What is the actual story here?

Re: Denied for Amazon Visa even after recon

Anonymous — Mon, 25 Jun 2018 02:29:23 GMT

I had no prior credit history before my "new accounts" (Oldest card is from May of last year)

Re: Denied for Amazon Visa even after recon

FinStar — Mon, 25 Jun 2018 15:09:25 GMT

So it sounds like the original declined decision stands? Not sure they'd be able to overturn based on the reasons cited and the information you've already shared.

Re: Denied for Amazon Visa even after recon

Anonymous — Tue, 26 Jun 2018 14:53:21 GMT

@FinStar wrote:
So it sounds like the original declined decision stands? Not sure they'd be able to overturn based on the reasons cited and the information you've already shared.

Something is certainly funky in Denmark. For what it's worth I've opened more than 10 accounts in the last 24 months and I was instantly approved for the Chase Amazon Visa.