topic Re: Unexpected Response From Chase Application in Credit Card Applications

Unexpected Response From Chase Application

RandyJS — Wed, 14 Sep 2022 16:47:13 GMT

My wife has one Chase card (CSP) and FICO scores in the 830's. She regularly receives several " You're Already Approved" offers for multiple cards, both main in-house and affiliates.

In the latest offers yesterday, it included both the CFU and Flex. The difference was that they also included the SL for each (same amt per card). When she applied for the CFU, it gave the 7-10 day "needs further review" message. Has anyone seen this? Seems as though the "Already Approved" would get an immediate approval and the SL would cement it.

BTW, once she applied for the CFU all other offers went away.

Re: Unexpected Response From Chase Application

CreditCuriosity — Wed, 14 Sep 2022 20:46:57 GMT

Likely a fraud check if was already approved or check mark type of page saying pre-approved. You can certainly call UW/Fraud of chase dept. if you want to expedite your curiosity and get it cleared up vs. waiting a few days or possibly more for a letter to arrive to you. The Chase UW/Fraud # respectively is pinned in the Sticky section of this sub-forum under backdoor numbers on page 1 and thread 1.

Re: Unexpected Response From Chase Application

RandyJS — Wed, 14 Sep 2022 21:35:14 GMT

Thanks, makes sense. I'll wait, no rush here. Just wanted to share with the group as it seemed unusual.

Re: Unexpected Response From Chase Application

WasteMgmt — Thu, 15 Sep 2022 00:19:14 GMT

How soon after applying did the other offers disappear? I wonder if in the future it is possible to apply for 2 cards to only get 1 pull at a time.

Re: Unexpected Response From Chase Application

coldfusion — Thu, 15 Sep 2022 00:31:56 GMT

@WasteMgmt wrote:
How soon after applying did the other offers disappear? I wonder if in the future it is possible to apply for 2 cards to only get 1 pull at a time.

No way of knowing for sure what the future will bring but it's pretty unlikely that Chase will do that any time soon. Requests for credit whether new account or limit increase trigger a hard pull and they do not reuse them.

Re: Unexpected Response From Chase Application

RandyJS — Thu, 15 Sep 2022 01:47:31 GMT

All of the credit card offers went away immediately after the 7-10 daynotice appeared. My original plan was to get her the FCU and then go back and get the Flex to combine the limits in the future.

Re: Unexpected Response From Chase Application

RandyJS — Thu, 15 Sep 2022 16:04:28 GMT

It was just a fraud verification as CreditCuriosity said. My wife got approved after a verification phone call. Thanks for the replies!

Re: Unexpected Response From Chase Application

gdale6 — Thu, 15 Sep 2022 20:25:05 GMT

As OP has been approved this thread is closed to further comment. OP is free to start a thread in approvals if so desired.