topic Re: DD Chase Sapphire Preferred looking like a decline in Credit Card Applications

DD Chase Sapphire Preferred looking like a decline; Update: Approved!!

oorhett — Thu, 31 Mar 2022 17:50:16 GMT

My DD wanting a travel card for her upcoming trip to Spain, and decided after receiving mail offers for Amex Delta Gold, Chase Sapphire, and Capital One Venture X decided to go with the Chase point ecosystem. Couldn't find her offer so just cold app'd instead. Taken to a notice:

"We'll let you know our decision in writing as soon as we can. Our email or letter will include instructions on how to provide additional information or documentation if needed."

Then received an email saying:

"We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days"

Pretty sure this is a denial

DP's are:

Chase Credit Journey score was a 770 on Experian

TU and EQ are both the same 765 Vantage 3.0

2/24 with 4 total cards highest limit is her Nordstrom Store card $7500 others are $3500, $2500, $1500 (My guess as to why the denial)

CC total usage is at 9% with her apple card at 36%

One installment loan with NFCU 10% balance

Income 52k

Re: DD Chase Sapphire Preferred looking like a decline

coldfusion — Wed, 30 Mar 2022 01:15:15 GMT

The 30 day message is a neutral status and having transitioned into that state in itself is not a reliable predictor of the ultimate outcome.

Re: DD Chase Sapphire Preferred looking like a decline

FinStar — Wed, 30 Mar 2022 02:03:34 GMT

OP - I wouldn't throw in the towel yet until you receive actual confirmation of the results. Definitely post any updates, if anything.

Re: DD Chase Sapphire Preferred looking like a decline

TryingtoBeLifeGoals — Wed, 30 Mar 2022 03:18:14 GMT

You should call them to expedite the review. I did that with the southwest card and it worked wonders.

Re: DD Chase Sapphire Preferred looking like a decline

oorhett — Wed, 30 Mar 2022 18:01:43 GMT

Called the robo status line and it is saying 7-10 days will give it a few more days and if nothing changes we will call in and see.

Thanks for the replies and recommendations thus far.

Re: DD Chase Sapphire Preferred looking like a decline

coldfusion — Wed, 30 Mar 2022 20:53:01 GMT

You can certainly wait if you want but you can also call in now during weekday EDT business hours and ask if there is anything DD can do to help move the process along. They could just want to perform a simple verification that it was really DD that applied, or if it is a denial she can go ahead and request a recon and among other things explain to the analyst why she wants the card and how it will be used, etc.

Re: DD Chase Sapphire Preferred looking like a decline

oorhett — Thu, 31 Mar 2022 17:49:02 GMT

Approved $10,000 SL!!

Had my DD call up the recon line to check the status and was immediately connected to an agent, after letting them know she recently applied and wanted to use the card for upcoming travel in a couple of weeks asked to see if there was anything holding it up. Was told they just needed to verify that it was a valid application and after confirming that, she was approved for $10,000 SL!

She's a very happy girl!

Thank you again to this community!

Re: DD Chase Sapphire Preferred looking like a decline

FinStar — Thu, 31 Mar 2022 20:47:46 GMT

As the OP has provided an approval update, this thread is now locked and closed to new messages.