topic Re: Chase Amazon - Rejected with data points in Credit Card Applications

Chase Amazon - Rejected with data points

tussking — Mon, 18 Jul 2022 01:31:05 GMT

Applied for Chase Amazon on 7/15 and immediately said my credit report is frozen and declined.

I had all three unlocked.

I got an alert 7/16 that they pulled EQ. Strange because after it said declined, I immediately refroze them.

Finally had time to call in today. I asked for a reconsideration where I spent 28 mins explaining my credit file.

He comes back and says sorry it's still declined.

723 and 2 INQ's showing DTI is 11% and two new cards in the last two years.

Just now, I get an alert to another HP on EQ?

Now I am upset...What can I do?

Re: Chase Amazon - Rejected with data points

FinStar — Mon, 18 Jul 2022 02:09:38 GMT

When did you unlock them and how far in advance before you applied? Often times there can be delays by the CRAs in performing a full delta on unlocking or unfreezing.

Make sure, before you reach out to Chase, that your actual reports (not CMS) reflect that a double HP was incurred as there's a possibility that the CMS alert could be a duplicate of the first one when you applied. Unless, when you called, a 2nd one was accessed which is sometimes possible with any reconsideration or re-review of the application. There are prior DPs on the double pull.

Re: Chase Amazon - Rejected with data points

DoogieBall — Mon, 18 Jul 2022 11:41:09 GMT

Could it be an auto-decline because of the BK7 discharge?

Re: Chase Amazon - Rejected with data points

righthererightnow — Fri, 22 Jul 2022 19:57:56 GMT

I also got rejected on this one too.
After Amazon repeatedly prompted me to apply.
Still get prompts to apply... and it still burns.
(For me.. I think it was that I'd opened new lines of credit recently.. or it could be the BK. Not sure).

Re: Chase Amazon - Rejected with data points

tussking — Mon, 25 Jul 2022 05:44:38 GMT

I had patience and waited for my letter and my EQ to update. You were correct. It was two notifications but only one HP.

Re: Chase Amazon - Rejected with data points

uncredited — Mon, 25 Jul 2022 13:23:30 GMT

@righthererightnow wrote:
I also got rejected on this one too.
After Amazon repeatedly prompted me to apply.
Still get prompts to apply... and it still burns.
(For me.. I think it was that I'd opened new lines of credit recently.. or it could be the BK. Not sure).

About the ads, did you notice a point at which the ads went away after applying, and then returned, or did they never just go away (and did you cold app, or app from a prequal?)

I'm trying to read the stars to figure out my own app, and at almost a week with no word, I'm assuming it's a denial. But one tiny ray of hope is that the ads for the card were replaced with ads for the store card and the business card right after apping. So far, it's still showing those ads and not ads for the Chase card. I don't know if it means much or not but it's the last shred of optimism I'm clinging to! Since you mentioned taking note of the ads as well, you may be able to add to that.

Re: Chase Amazon - Rejected with data points

SUPERSQUID — Mon, 25 Jul 2022 13:56:11 GMT

@tussking wrote:
Applied for Chase Amazon on 7/15 and immediately said my credit report is frozen and declined.

I had all three unlocked.

I got an alert 7/16 that they pulled EQ. Strange because after it said declined, I immediately refroze them.

Finally had time to call in today. I asked for a reconsideration where I spent 28 mins explaining my credit file.

He comes back and says sorry it's still declined.

723 and 2 INQ's showing DTI is 11% and two new cards in the last two years.

Just now, I get an alert to another HP on EQ?

Now I am upset...What can I do?

Was Chase included in your bk7?

Re: Chase Amazon - Rejected with data points

tussking — Wed, 27 Jul 2022 05:22:40 GMT

No - Chase was not included in my BK7.

Re: Chase Amazon - Rejected with data points

tallin32 — Thu, 28 Jul 2022 03:34:33 GMT

I was also declined for the Chase Amazon (all scores at or above 700, BK7 discharged in April 2014). Reason they gave me was too many recently opened accounts, which, honestly, isn't an unfair assessment.

Re: Chase Amazon - Rejected with data points

BenTramer1978 — Thu, 28 Jul 2022 08:02:26 GMT

@tallin32 wrote:
I was also declined for the Chase Amazon (all scores at or above 700, BK7 discharged in April 2014). Reason they gave me was too many recently opened accounts, which, honestly, isn't an unfair assessment.

Were you prequalified and still turned down? I am prequalified and was probably going to go for it in September but I am over 5/24 and if their preqaul isn't legit then I would rather not take a swing right now. I already have their Store Card.

Re: Chase Amazon - Rejected with data points

uncredited — Thu, 28 Jul 2022 20:06:12 GMT

@BenTramer1978 wrote:
@tallin32 wrote:
I was also declined for the Chase Amazon (all scores at or above 700, BK7 discharged in April 2014). Reason they gave me was too many recently opened accounts, which, honestly, isn't an unfair assessment.
Were you prequalified and still turned down? I am prequalified and was probably going to go for it in September but I am over 5/24 and if their preqaul isn't legit then I would rather not take a swing right now. I already have their Store Card.

FWIW, I was prequalified and still denied with a young/thin file with the cited reasons of account age/number accounts (2 total accounts age 4 and 17 mo....which should have been known to them for the prequalify.) I seem to be the exception to the rule, and my situation is definitely different from being over 5/24, but my DP suggests at least one scenario whre prequal is debatable in reliability.

Re: Chase Amazon - Rejected with data points

righthererightnow — Sat, 30 Jul 2022 22:41:28 GMT

@uncredited....

About the ads, did you notice a point at which the ads went away after applying, and then returned, or did they never just go away (and did you cold app, or app from a prequal?)

They appeared after I applied, extra irony. I would not trust the ads.

I applied on my own, wanted to have the card before Prime day.

Re: Chase Amazon - Rejected with data points

uncredited — Sat, 30 Jul 2022 22:51:49 GMT

That's definitely strange!

For me the ads have been there for years. I finally did prequal (with a successful offer), then the ads changed to the Amex business card. Then a few days later the ads switched to the sync store card and I got the denial letter. The ads still show the sync store card.