topic Re: Chase Amazon Visa in Credit Card Applications

Chase Amazon Visa

Dirge — Thu, 01 Sep 2022 20:53:59 GMT

On 8/18 I applied for the Chase Amazon card after getting prequalified on Amazon's site. I got the message that my application couldn't be completed, and today I got a voicemail from Chase's fraud department. I called back and verified some information and the CSR came back and said I'd get a decision in the mail, which I assume is a rejection. She didn't say the application would go to a further review.

I had a BK7 in 2012 that's been off my reports for about 6 months. Chase wasn't IIB, but I was an authorized user that someone put on his Chase card years ago -- I didn't even have a physical card. When I was filing my BK7, I tried to get off the Chase card, but they wouldn't let me do it -- it had to be him. He said he tried.

I'm wondering if I'm blacklisted from Chase because of that. Chase did hit my Experian report, which has me at 754 and 10% credit usage.

It's almost certainly a rejection, right? Or the CSR would have told me over the phone that I'd been approved.

eta further DPs: I have two cards, a Discover with a $2500 limit and a Cap1 with a $12500 limit. I had one inquiry in 9/2020.

Re: Chase Amazon Visa

Mdowning30 — Thu, 01 Sep 2022 20:56:50 GMT

Same issue almost happened to me, i was initially declined for mine because they checked EQ which is my worse profile. I called recon and asked them to run my EX report and i was approved afterwards.

Re: Chase Amazon Visa

CreditCuriosity — Thu, 01 Sep 2022 20:57:07 GMT

@Dirge wrote:
On 8/18 I applied for the Chase Amazon card after getting prequalified on Amazon's site. I got the message that my application couldn't be completed, and today I got a voicemail from Chase's fraud department. I called back and verified some information and the CSR came back and said I'd get a decision in the mail, which I assume is a rejection. She didn't say the application would go to a further review.

I had a BK7 in 2012 that's been off my reports for about 6 months. Chase wasn't IIB, but I was an authorized user that someone put on his Chase card years ago -- I didn't even have a physical card. When I was filing my BK7, I tried to get off the Chase card, but they wouldn't let me do it -- it had to be him. He said he tried.

I'm wondering if I'm blacklisted from Chase because of that. Chase did hit my Experian report, which has me at 754 and 10% credit usage.

It's almost certainly a rejection, right? Or the CSR would have told me over the phone that I'd been approved.

eta further DPs: I have two cards, a Discover with a $2500 limit and a Cap1 with a $12500 limit. I had one inquiry in 9/2020.

if fraud called you likely will be approval. best of luck

Re: Chase Amazon Visa

Dirge — Thu, 01 Sep 2022 20:57:22 GMT

Thanks! I think the CSR would've told me that on the call, though, or at least said that my application was still being reviewed. She went away for a minute and then came back and said I'd be hearing from them in the mail.

Re: Chase Amazon Visa

Dirge — Thu, 01 Sep 2022 20:57:37 GMT

Well @CreditCuriosity you might be right -- yesterday I got the Chase letter, and it wasn't an outright denial. It said "We need to verify that the application is yours" and that "If we don't receive the information within 14 days of the date of this letter, we'll no longer consider your application."

So today I called, but after I input my SS# the message just said that I'd hear about a decision in 7-10 days.

I had the chance to speak to someone, but I was looking at verification procedures online last night and some people seemed to think that it was better to not even answer that letter but to just wait for the process to go through. I did already take the HP for Experian though, so maybe I should have talked to someone -- who knows.

I'll think about it and maybe call back before the 7-10 days. It's already been 9 days since my original application.

Re: Chase Amazon Visa

CreditCuriosity — Thu, 01 Sep 2022 20:57:52 GMT

@Dirge try these numbers monday, not sure which one it is, but they are closed during the weekends.. Make sure you call the sooner the better

Chase: 888-688-6708 (Verification department)

Chase: 800-278-8830 (Verification/fraud deparment)

Re: Chase Amazon Visa

simplynoir — Thu, 01 Sep 2022 20:58:05 GMT

@CreditCuriosity wrote:
@Dirge try these numbers monday, not sure which one it is, but they are closed during the weekends.. Make sure you call the sooner the better

Chase: 888-688-6708 (Verification department)
Chase: 800-278-8830 (Verification/fraud deparment)

As an additional heads up be prepared to wait quite awhile before being able to speak to an agent. The hold times can be an hour or more easily from past experiences. So if you can put the call on speakerphone and wait it out til someone comes on that would be ideal

Re: Chase Amazon Visa

Dirge — Thu, 01 Sep 2022 20:58:21 GMT

Oh, thanks to both of you,, @CreditCuriosity and @simplynoir ! The number in the letter I got was 877-470-9042. I'll call one of the other ones on Monday and just put it on speaker while I work.

Thanks again.

Re: Chase Amazon Visa

UncleB — Thu, 01 Sep 2022 20:59:08 GMT

Hi @Dirge, I've moved your post to a new thread to get your topic more exposure.

--UB

Re: Chase Amazon Visa

SDMarik — Thu, 01 Sep 2022 23:17:14 GMT

Did it give a specific timeframe for the letter like 7-10 days,14 days, etc? Seeing as it was forwarded to the fraud dept, I would say that is more of a good sign than a bad one, it will likely end in an approval. Good luck! keep us posted!

Edit: Didn't see the post with the 7-10 days.

Re: Chase Amazon Visa

Dirge — Mon, 12 Sep 2022 12:42:44 GMT

Thanks @UncleB . I had to travel for a family emergency, so I didn't get a chance until today to try the fraud verification number (while I was out of town I DID try the number that the letter had sent me, since my available time to call was off-hours, but that number didn't ask for additional information and instead said that my application was still being reviewed). I called the fraud verification number this morning and they told me that my application had been turned down. I had already decided that Chase wasn't a company I was interested in doing business with, so I'm not really disappointed.

Re: Chase Amazon Visa

Dirge — Wed, 14 Sep 2022 05:28:55 GMT

@UncleB Just wanted to give you an update. I can't copy a screenshot here, but I applied to my credit union, PenFed, and they gave me a card with a $25k limit -- by far my biggest ever! And it's even at 16.49% interest, not quite their highest.

Re: Chase Amazon Visa

UncleB — Thu, 15 Sep 2022 06:37:32 GMT

Thanks for the heads-up, @Dirge, and congrats!

For others, the new thread for the PenFed approval can be found here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/PenFed-PCR-25k-approval/m-p/6591252