topic Re: CSP in-branch question in Credit Card Applications

CSP in-branch question

cmm89 — Thu, 06 Jun 2019 18:10:54 GMT

Hi all,

I recently opened a Chase Total Checking account for the bonus and to help my chances of getting the CSP (will upgrade to CSR eventually) while LOL/24.

The banker asked for my information, typed it all in and said.... "You're pre-approved...... for ALL of them." So I was giddy. I threw in a random cold app for the CSR within the last month (obviously an instant-decline), so after putting in the app for the CSP, it went to fraud, I verified myself, and then he said you'll find out in 7-14 days..... now the message on the automated system is "please give us two weeks" (obviously I've paraphrased that). Does anyone have any experience with this?

Chase has hated me ever since I rebuilt (not sure why, to be honest, except for my new accounts). I have the Freedom which I got about 2 years ago stuck with a $1,500 limit. I'm sending 1/8th of my bi-monthly paycheck to the Chase Total Checking to see if maybe my loyalty doesn't spark a little love, because after I get the bonus on the CSP, I'm going to downgrade my AmEx Platinum to the Gold and upgrade the CSP to the CSR.

Thanks in advance!

EDIT: The Banker I talked with handed the phone over to me while I was sitting there and I verified myself with a Chase OTP. No instant decision. Was kind of depressed-- I got SO giddy when he said "You're pre-approved for them all."

Re: CSP in-branch question

Anonymous — Thu, 06 Jun 2019 18:04:32 GMT

2-weeks is usually ID Verification.

Re: CSP in-branch question

cmm89 — Thu, 06 Jun 2019 18:14:44 GMT

@Anonymous wrote:
2-weeks is usually ID Verification.

Already verified on-site. Banker handed me the phone and I read back the Chase OTP.

Re: CSP in-branch question

Anonymous — Thu, 06 Jun 2019 18:18:57 GMT

Ok, then wait it out and login to your account to see it when it pops up as approved.

Re: CSP in-branch question

FinStar — Thu, 06 Jun 2019 18:22:05 GMT

There's additional steps that are usually taken to verify the application information besides the initial OTP authentication. I'd say let the process ride until you receive the correspondence to determine whether any additional information may be required.

Re: CSP in-branch question

cmm89 — Thu, 06 Jun 2019 19:26:08 GMT

@FinStar wrote:
There's additional steps that are usually taken to verify the application information besides the initial OTP authentication. I'd say let the process ride until you receive the correspondence to determine whether any additional information may be required.

Thanks, FinStar. From your years of experience and what you've read on these forums, is this likely an approval or a decline? I don't expect you to be certain, just curious what a Mod thinks.

I mean, the banker said I was pre-approved. Too bad I submitted that stupid cold-app.

Re: CSP in-branch question

cmm89 — Fri, 07 Jun 2019 19:11:33 GMT

Bump.... anyone? Any and all insight would be super helpful.

Re: CSP in-branch question

Anonymous — Fri, 07 Jun 2019 19:25:27 GMT

Why the bump? Wait it out.

Re: CSP in-branch question

cmm89 — Fri, 07 Jun 2019 19:27:04 GMT

@Anonymous wrote:
Why the bump? Wait it out.

Because I'm impatient, that's why

Won't bump again, you're right. I should just wait and see.

Re: CSP in-branch question

Anonymous — Fri, 07 Jun 2019 19:37:26 GMT

You can wait like advised or pester Chase about it. The problem with pestering Chase is you might get someone that's not in a good mood and they just deny you. If you let things play out there's a 99% chance it gets approved.

Re: CSP in-branch question

cmm89 — Fri, 07 Jun 2019 19:40:33 GMT

@Anonymous wrote:
You can wait like advised or pester Chase about it. The problem with pestering Chase is you might get someone that's not in a good mood and they just deny you. If you let things play out there's a 99% chance it gets approved.

I shall wait then. Something I'm terrible at

Thanks for the feedback.

Re: CSP in-branch question

Anonymous — Fri, 07 Jun 2019 19:44:35 GMT

You'll learn as you progress. Good things come to those that wait and if you're sutbborn and persistent you can make things happen.

I spent 46 days waiting on BBT to send me my 2nd card. I think you can manage a weekend of suspense.

Re: CSP in-branch question

FinStar — Sat, 08 Jun 2019 03:13:41 GMT

@cmm89 wrote:
@FinStar wrote:
There's additional steps that are usually taken to verify the application information besides the initial OTP authentication. I'd say let the process ride until you receive the correspondence to determine whether any additional information may be required.
Thanks, FinStar. From your years of experience and what you've read on these forums, is this likely an approval or a decline? I don't expect you to be certain, just curious what a Mod thinks.
I mean, the banker said I was pre-approved. Too bad I submitted that stupid cold-app.

In these kinds of scenarios, it's more likely to yield an approval . Since you've already gone through the 1st stage of authentication, there's just the remaining "back end" portion with the application. If everything else checks out, then you might see the account display online. Otherwise, if they require additional information, take whatever docs they require to the branch so they can be uploaded to speed up the process.

Unless anything drastic changed with your profile, reports or verification fails then those would be some instances in which an application could be declined. But, it looks like it's headed in the right direction. Just be patient. I know it can be difficult at times given the excitement of the offer.

Keep the thread updated with the outcome and good luck!

Re: CSP in-branch question

cmm89 — Mon, 10 Jun 2019 00:12:49 GMT

Robo-lady is now telling me I’ll find out within 30 days. I preferred the 2-week message but at least it’s not 7-10 days.

Will keep everyone updated.

Re: CSP in-branch question

cmm89 — Tue, 11 Jun 2019 14:18:34 GMT

@cmm89 wrote:
Robo-lady is now telling me I’ll find out within 30 days. I preferred the 2-week message but at least it’s not 7-10 days.

Will keep everyone updated.

I don't intend this to serve as a bump, but my experience with Chase has been either an instant approval ($1,500 Chase Freedom) or immediate 7-10 day notices. Will robo-lody never mention whether you've been approved? After the 2-week notice, it reverted to the 30-day notice -- fortunately no 7-10 day notices yet. *Knock on wood*

No card in my Chase app or on the site yet, hoping that isn't bad news.

Will keep everyone updated.

Re: CSP in-branch question

addicted_to_credit — Tue, 11 Jun 2019 14:39:55 GMT

I apped Saturday morning and had an approval of 18.7k yesterday, but I did call the backdoor number. The only relationship I’ve had with chase was as an AU. We’ve ran 18k through the card I’m an AU on in about 3 months. We pay it off or close to off 2-4 times a month. But as they say ymmv...

Re: CSP in-branch question

cmm89 — Tue, 11 Jun 2019 14:41:34 GMT

@addicted_to_credit wrote:
I apped Saturday morning and had an approval of 18.7k yesterday, but I did call the backdoor number. The only relationship I’ve had with chase was as an AU. We’ve ran 18k through the card I’m an AU on in about 3 months. We pay it off or close to off 2-4 times a month. But as they say ymmv...

Thanks for the feedback. Would you mind sharing which number you used? There are about 12 of them for Chase on the Backdoor Number thread.

Re: CSP in-branch question

Anonymous — Tue, 11 Jun 2019 14:52:28 GMT

I would start with these:

Chase: 800-432-3117 (App status)
Chase: 888-270-2127, 800-527-7419 (App recon)

Not really doing a recon but, trying to get a live person on the phone to push things along.

Chase: 888-245-0625 (Credit Analyst - Recons) -- this might be the most direct option talking to a CA

Keep in mind though it's only been 5 days since your post. I know how it goes with a pending app and wanting them to make a decision sooner than later.

Re: CSP in-branch question

FinStar — Tue, 11 Jun 2019 14:53:15 GMT

OP, if approved, the automated system will provide such information, including the CL, APR, etc.

Re: CSP in-branch question

cmm89 — Tue, 11 Jun 2019 14:56:01 GMT

@FinStar wrote:
OP, if approved, the automated system will provide such information, including the CL, APR, etc.

Great, thank you. I will hold off for a few more days.

I actually assumed the opposite was the case, in that it would only give vague messages.

EDIT: Hopefully Chase isn't able to see how often I'm using the automated system... I'm calling that thing 3 times per day