topic Re: Applied For Amazon Prime - Forgot That’s Chase in Credit Card Applications

Applied For Amazon Prime - Forgot That’s Chase

DaisyAdair — Fri, 07 Oct 2022 22:45:03 GMT

Thinking ahead to the holidays and figured I'd max some rewards w/ the Amazon Prime card. Was breezing through the app while cooking and watching TV, not paying attention. The whole time I have in my head that Amazon is a Citi card, and Citi seems to like me.

Oops. 😂

Instantly declined. Like, faster than instantly. I'm sure my letter will reference 'too many new accounts'. I'm way over 5/24 (if that applies here) and also just opened PenFed ($21k) and Target MC ($6k) this week.

So...pay attention, kids. < sigh >

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Fri, 07 Oct 2022 22:50:50 GMT

I was denied today for 5/24 but figured maybe with Amazon being so popular they were exempt...nope! Wish they didn't bother sending a letter to save some trees.

Re: Applied For Amazon Prime - Forgot That’s Chase

GZG — Fri, 07 Oct 2022 23:12:26 GMT

aren't there several DPs of the Chase Amazon card not being strictly under the 5/24 rule?

Wonder if that's changed at all

Re: Applied For Amazon Prime - Forgot That’s Chase

M_Smart007 — Sat, 08 Oct 2022 00:47:13 GMT

@GZG wrote:
aren't there several DPs of the Chase Amazon card not being strictly under the 5/24 rule?

Wonder if that's changed at all

@GZG,

It is a very much YMMV on circumventing the Chase Amazon, United and Southwest 5/24 rules.

I got lucky on the United ..LOL/24

Re: Applied For Amazon Prime - Forgot That’s Chase

ocheosa — Sat, 08 Oct 2022 07:30:15 GMT

@M_Smart007 wrote:
@GZG wrote:
aren't there several DPs of the Chase Amazon card not being strictly under the 5/24 rule?

Wonder if that's changed at all
@GZG,
It is a very much YMMV on circumventing the Chase Amazon, United and Southwest 5/24 rules.
I got lucky on the United ..LOL/24

^^^^^This!

I was at 10/24 , 5/12 (9/24, 4/12 reporting) in August and was approved for Chase Amazon SL 27k 15.74% APR.

Re: Applied For Amazon Prime - Forgot That’s Chase

DaisyAdair — Sat, 08 Oct 2022 10:11:33 GMT

@GZG I'm not sure. Maybe. I guess I'll find out when they send my letter. I'm so mad at myself for wasting a hard inquiry.

Re: Applied For Amazon Prime - Forgot That’s Chase

DaisyAdair — Sat, 08 Oct 2022 10:10:55 GMT

@M_Smart007

@M_Smart007 wrote:
@GZG wrote:
aren't there several DPs of the Chase Amazon card not being strictly under the 5/24 rule?

Wonder if that's changed at all
@GZG,
It is a very much YMMV on circumventing the Chase Amazon, United and Southwest 5/24 rules.
I got lucky on the United ..LOL/24

I think I may be at HA/24. I don't think my profile is strong enough for LOL/24, so I'm just going to have seat in the back for a while. 😜

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 12:54:49 GMT

My letter just came in and said: "Too many requests for credit or opened accounts with us."

I have the Chase Trifecta but that shouldn't matter. The too many requests for credit makes sense since in the last 2 years I've opened up 6 cards, with 3 of those being opened yesterday. Since the Prime card was low on my priority I applied after the other 3 which put me over the 5/24 by one.

Re: Applied For Amazon Prime - Forgot That’s Chase

M_Smart007 — Sat, 08 Oct 2022 14:01:42 GMT

@CoolHandSean wrote:
My letter just came in and said: "Too many requests for credit or opened accounts with us."

I have the Chase Trifecta but that shouldn't matter. The too many requests for credit makes sense since in the last 2 years I've opened up 6 cards, with 3 of those being opened yesterday. Since the Prime card was low on my priority I applied after the other 3 which put me over the 5/24 by one.

@CoolHandSean , With those notation marks "Too many requests for credit or opened accounts with us." in the denial letter,

It does not state anything about being over 5/24, if it stated 5/24 was the reason,

that would be something you could NOT have reconsidered!

You could possibly get the denial overturned? as I did -> read here

I believe that this is the phone # I called -> Chase: 888-270-2127 (App Recon - Credit Analyst)

I would give it a shot, you really have nothing to lose .IMHO

ETA: Also for @DaisyAdair , if that was the denial reason on the letter?

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 14:27:00 GMT

Awesome! Thanks for the suggestion and the link. I'll check it out!

Re: Applied For Amazon Prime - Forgot That’s Chase

DaisyAdair — Sun, 09 Oct 2022 09:32:45 GMT

@M_Smart007 wrote:
@CoolHandSean wrote:
My letter just came in and said: "Too many requests for credit or opened accounts with us."

I have the Chase Trifecta but that shouldn't matter. The too many requests for credit makes sense since in the last 2 years I've opened up 6 cards, with 3 of those being opened yesterday. Since the Prime card was low on my priority I applied after the other 3 which put me over the 5/24 by one.
@CoolHandSean , With those notation marks "Too many requests for credit or opened accounts with us." in the denial letter,
It does not state anything about being over 5/24, if it stated 5/24 was the reason,
that would be something you could NOT have reconsidered!

You could possibly get the denial overturned? as I did -> read here
I believe that this is the phone # I called -> Chase: 888-270-2127 (App Recon - Credit Analyst)

I would give it a shot, you really have nothing to lose .IMHO

ETA: Also for @DaisyAdair , if that was the denial reason on the letter?

See below for declination reasons given in the notification from Chase. The 3rd bullet doesn't really track, but the other 2 make sense. Also, they provided a Chase "proprietary score" of 767. FYI, the Freedom Unlimited card is my only Chase product and I don't use it much.

Hope this is helpful to others!

We based our decision on the following reason(s)
•You have too many active accounts or too much available credit

•Length of time since newest credit card was opened is too short
•Too many accounts opened in the past 12 months compared to total accounts

Re: Applied For Amazon Prime - Forgot That’s Chase

M_Smart007 — Sat, 08 Oct 2022 15:00:16 GMT

@DaisyAdair wrote:
@M_Smart007 wrote:
@CoolHandSean wrote:
My letter just came in and said: "Too many requests for credit or opened accounts with us."

I have the Chase Trifecta but that shouldn't matter. The too many requests for credit makes sense since in the last 2 years I've opened up 6 cards, with 3 of those being opened yesterday. Since the Prime card was low on my priority I applied after the other 3 which put me over the 5/24 by one.
@CoolHandSean , With those notation marks "Too many requests for credit or opened accounts with us." in the denial letter,
It does not state anything about being over 5/24, if it stated 5/24 was the reason,
that would be something you could NOT have reconsidered!

You could possibly get the denial overturned? as I did -> read here
I believe that this is the phone # I called -> Chase: 888-270-2127 (App Recon - Credit Analyst)

I would give it a shot, you really have nothing to lose .IMHO

ETA: Also for @DaisyAdair , if that was the denial reason on the letter?

See below for declination reasons given in the notification from Chase. The 3rd bullet doesn't really track, but the other 2 make sense. Also, they provided a Chase "propriety score" of 767. FYI, the Freedom Unlimited card is my only Chase product and I don't use it much.

Hope this is helpful to others!
We based our decision on the following reason(s)
•You have too many active accounts or too much available credit
•Length of time since newest credit card was opened is too short
•Too many accounts opened in the past 12 months compared to total accounts

@DaisyAdair , With those listed reasons, might be a little harder to have Chase reconsider?

I am of the opinion, it does not hurt to try? .. Keep in mind, if you call, be ready to state your case.

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 15:56:37 GMT

On the phone with Chase now for reconsideration. The nice lady is reviewing my application now.

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 16:06:43 GMT

She asked me about a Citi card that is showing a balance on their end but I told her I paid off the $1900 13 Sep. She made a note as well as when I told her I was approved for a credit limit increase on that same card as well as 3 other Chase cards on 17 Sep. She put me on hold for 2-4 minutes to speak with her colleagues and said she's return with a decision.

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 16:12:54 GMT

Good news I was approved!!! $21K limit!!! Thanks M_Smart!!!

Re: Applied For Amazon Prime - Forgot That’s Chase

GZG — Sat, 08 Oct 2022 16:37:59 GMT

@CoolHandSean wrote:
Good news I was approved!!! $21K limit!!! Thanks M_Smart!!!

Congrats! although I just noticed this wasn't your OP thread -- oops

Re: Applied For Amazon Prime - Forgot That’s Chase

FinStar — Sat, 08 Oct 2022 16:38:38 GMT

@DaisyAdair wrote:
Thinking ahead to the holidays and figured I'd max some rewards w/ the Amazon Prime card. Was breezing through the app while cooking and watching TV, not paying attention. The whole time I have in my head that Amazon is a Citi card, and Citi seems to like me.

Oops. 😂

Instantly declined. Like, faster than instantly. I'm sure my letter will reference 'too many new accounts'. I'm way over 5/24 (if that applies here) and also just opened PenFed ($21k) and Target MC ($6k) this week.

So...pay attention, kids. < sigh >

@DaisyAdair - just for clarification, did you actually apply directly for the Target MC? To the community's knowledge, this isn't offered as an option. Everyone is typically approved for the standard RedCard which eventually can get upgraded for select customers to the MC.

Re: Applied For Amazon Prime - Forgot That’s Chase

CoolHandSean — Sat, 08 Oct 2022 16:48:56 GMT

Try the reconsideration line and let us know what happened as you never know.

Re: Applied For Amazon Prime - Forgot That’s Chase

M_Smart007 — Sat, 08 Oct 2022 17:03:20 GMT

@CoolHandSean wrote:
Good news I was approved!!! $21K limit!!! Thanks M_Smart!!!

@CoolHandSean , That is great news - Congratulations on your recon Approval!

Re: Applied For Amazon Prime - Forgot That’s Chase

OmarGB9 — Sat, 08 Oct 2022 17:27:43 GMT

@M_Smart007 wrote:
@CoolHandSean wrote:
My letter just came in and said: "Too many requests for credit or opened accounts with us."

I have the Chase Trifecta but that shouldn't matter. The too many requests for credit makes sense since in the last 2 years I've opened up 6 cards, with 3 of those being opened yesterday. Since the Prime card was low on my priority I applied after the other 3 which put me over the 5/24 by one.
@CoolHandSean , With those notation marks "Too many requests for credit or opened accounts with us." in the denial letter,
It does not state anything about being over 5/24, if it stated 5/24 was the reason,
that would be something you could NOT have reconsidered!

You could possibly get the denial overturned? as I did -> read here
I believe that this is the phone # I called -> Chase: 888-270-2127 (App Recon - Credit Analyst)

I would give it a shot, you really have nothing to lose .IMHO

ETA: Also for @DaisyAdair , if that was the denial reason on the letter?

I could be wrong, but I don't believe Chase explicitly states 5/24 as a denial reason in the denial letters.