topic Re: United Club Denial in Credit Card Applications

United Club Denial

cczzll1611 — Fri, 03 Feb 2023 03:54:19 GMT

Denied AGAIN for a United card. (See previous post here.)

They pulled Experian (735) and Equifax (728). Both have dipped now, so thanks Chase!

I applied for Club as the United Clubs where I travel most frequently (Tokyo) have reopened. I also assumed my credit scores would be enough.

My seven year-old chargeoffs fell off my credit reports by the end of April 2022, thus allowing my credit scores to skyrocket. I also got a CLI on my Navy Federal (only asked for $5k for a total of $15k, should have probably asked for more but I am not greedy) and I opened an AMEX Platinum in June 2022. I have $5k of PayPal credit which I don't use. Nothing else has changed much. Still have a $120k/year job. Still have no missed payments. Still pay everything on time. Credit usage is 18%. I do have student loans, but I have two degrees from a top 20 school and paid OOP for my grad school. That shouldn't be a reason people get denied, but oh well.

I wanted the 100k bonus because United is the only airline I fly. Seems Chase thinks I'm not a good candidate for their cards. I just don't understand.

Re: United Club Denial

GZG — Fri, 03 Feb 2023 05:42:51 GMT

did you burn Chase?

Did you call recon? It would be unfortunate if student loans were the only reason for the denial

Re: United Club Denial

FireMedic1 — Fri, 03 Feb 2023 11:07:33 GMT

Was Chase one of the CO's? They have a long memory.

Re: United Club Denial

Horseshoez — Fri, 03 Feb 2023 12:51:49 GMT

@FireMedic1 wrote:
Was Chase one of the CO's? They have a long memory.

Beat me to it, my question exactly.

Re: United Club Denial

CreditCuriosity — Fri, 03 Feb 2023 14:01:57 GMT

Are you over 5/24 new accounts? Any charge off's with Chase? They don't care if you went to top 20 school and paid out of pocket as that is figured into DTI if you have huge SL payments. More information would be helpful. Such as charge offs with chat, 5/24 status dti % and other stuff..You can recon depending on answers and might have a fighting chance.

Re: United Club Denial

bigseegar — Fri, 03 Feb 2023 19:24:40 GMT

Seems like after reading this (UNLESS you burned Chase as one of those Charge Off's as they have a VERY long memory) and you other post that it's still the student loans and possibly even that deferment of them 7+ years ago still. The amount of them or the payment required or something related seems to have Chase spooked. You mention in both posts and other that, "but you got the degrees from a Top 20 school". Chase couldn't give a rats behind about degrees or where they came from. Matter of fact they don't even know about them or where you went and they don't ask, again because it's irrelevant. It pretty much has zero to do with credit, wealth and/or financial building and responsibility. I know a man here personally, that doesn't even have a GED. Quit school in the 4th grade. Took $500 when he was 18 and just married and started a junk yard business. Today 50 years later he is a Billionaire. One of the richest people in the State. His business over those years evolved into a World Class Demo Company that now has Offices here and in ATL, GA and Dallas,TX and he has 5,500 fulltime employees. Matter of fact his company was the one that had the $100 Million Contract to clean up the World Trade Centers following 9/11. I promise you banks and lenders couldn't care less about his 4th Grade education.

Re: United Club Denial

TRC_WA — Fri, 03 Feb 2023 21:06:50 GMT

@bigseegar wrote:
Chase couldn't give a rats behind about degrees or where they came from. Matter of fact they don't even know about them or where you went and they don't ask, again because it's irrelevant. It pretty much has zero to do with credit, wealth and/or financial building and responsibility. I know a man here personally, that doesn't even have a GED. Quit school in the 4th grade. Took $500 when he was 18 and just married and started a junk yard business. Today 50 years later he is a Billionaire. One of the richest people in the State. His business over those years evolved into a World Class Demo Company that now has Offices here and in ATL, GA and Dallas,TX and he has 5,500 fulltime employees. Matter of fact his company was the one that had the $100 Million Contract to clean up the World Trade Centers following 9/11. I promise you banks and lenders couldn't care less about his 4th Grade education.

@bigseegar Haha... well said.

Never went to a single day of college myself... quit school early in the 12th grade and got the GED the following year. Not a billionaire but do make a comfortable living in the $100k range with no SL payments. Started at the bottom in 1994 in my trade and now do metal machining and other work in both the food and aerospace industries.

Re: United Club Denial

SpaceCityCCuser — Sat, 04 Feb 2023 05:35:12 GMT

Do you have another card with Chase already or a checking? Chase has its own internal credit score system and a pre-existing relationship helps quite a bit on their internal credit score.

Re: United Club Denial

cczzll1611 — Mon, 06 Feb 2023 15:52:26 GMT

No.

And no, I did not call recon. I did last time and it was a futile effort.

Re: United Club Denial

cczzll1611 — Mon, 06 Feb 2023 15:53:14 GMT

No. I only have two credit cards and the unused PayPal credit. Navy Federal was opened in like 2017. Amex in June 2022. PayPal in early 2022.

Re: United Club Denial

cczzll1611 — Mon, 06 Feb 2023 15:54:54 GMT

I only mentioned my school because SOME people like to say, "Well, why didn't you go to a cheap school instead of getting loans?" I am a first-gen American and first-gen college student; I went to the best school I got into. I took $50k in undergrad and $50k in grad school. I have like $90k left to pay.

Re: United Club Denial

cczzll1611 — Mon, 06 Feb 2023 15:55:28 GMT

No. My bank account is with Navy Federal, leftover from when I worked for the DOD.

Re: United Club Denial

CreditCuriosity — Mon, 06 Feb 2023 19:50:03 GMT

What are the denial reasons? Is it DTI% or was it that the first time? What was futile about last time your reconned and reasons for denial then and now?

Re: United Club Denial

1GaDawg85 — Mon, 06 Feb 2023 23:08:06 GMT

@cczzll1611 wrote:
I only mentioned my school because SOME people like to say, "Well, why didn't you go to a cheap school instead of getting loans?" I am a first-gen American and first-gen college student; I went to the best school I got into. I took $50k in undergrad and $50k in grad school. I have like $90k left to pay.

90k left to pay is a pretty steep amount for any lender. They could see that along with other debt and deny it due to excessive credit obligations.

Re: United Club Denial

GeorgiaBulldog — Thu, 09 Feb 2023 23:48:45 GMT

Strange--I have a lower household income than OP and more than double the student loan balance, but I have several Chase cards. Like others, I am curious about the reason for denial. Depending on the reason, despite the last recon efforts not going well, it might still be worth another shot.

If that doesn't pan out, maybe go for a card with another Star Alliance partner as a stopgap until you can get the United Club card? Lufthansa has an all-time high offer, and you can redeem their miles on United Flights.

Also, while folks in this thread have asserted that banks don't care about your education, I distinctly remember Discover asking what your highest level of education is on their application. I can't remember any other banks doing that, but there is at least one.

Re: United Club Denial

1GaDawg85 — Fri, 10 Feb 2023 00:31:07 GMT

@GeorgiaBulldog wrote:
Strange--I have a lower household income than OP and more than double the student loan balance, but I have several Chase cards. Like others, I am curious about the reason for denial. Depending on the reason, despite the last recon efforts not going well, it might still be worth another shot.

If that doesn't pan out, maybe go for a card with another Star Alliance partner as a stopgap until you can get the United Club card? Lufthansa has an all-time high offer, and you can redeem their miles on United Flights.

Also, while folks in this thread have asserted that banks don't care about your education, I distinctly remember Discover asking what your highest level of education is on their application. I can't remember any other banks doing that, but there is at least one.

they only use that data for demographic purposes unless they are using it for algorithm data points. I would be interested to see the denial letter OP got from Chase. Calling in to recon from the backdoor thread to talk to the analyst to ask if there was something they overlooked.

Re: United Club Denial

Blender — Fri, 10 Feb 2023 02:43:40 GMT

@cczzll1611 wrote:
Denied AGAIN for a United card. (See previous post here.)

They pulled Experian (735) and Equifax (728). Both have dipped now, so thanks Chase!

I applied for Club as the United Clubs where I travel most frequently (Tokyo) have reopened. I also assumed my credit scores would be enough.

My seven year-old chargeoffs fell off my credit reports by the end of April 2022, thus allowing my credit scores to skyrocket. I also got a CLI on my Navy Federal (only asked for $5k for a total of $15k, should have probably asked for more but I am not greedy) and I opened an AMEX Platinum in June 2022. I have $5k of PayPal credit which I don't use. Nothing else has changed much. Still have a $120k/year job. Still have no missed payments. Still pay everything on time. Credit usage is 18%. I do have student loans, but I have two degrees from a top 20 school and paid OOP for my grad school. That shouldn't be a reason people get denied, but oh well.

I wanted the 100k bonus because United is the only airline I fly. Seems Chase thinks I'm not a good candidate for their cards. I just don't understand.

Just curious how many points you got from just one CO being removed? I just got one removed from TU last night (waiting eagerly for update) and I have two more that will be ready around September.

Re: United Club Denial

coldfusion — Fri, 10 Feb 2023 04:39:44 GMT

@GeorgiaBulldog wrote:
Strange--I have a lower household income than OP and more than double the student loan balance, but I have several Chase cards. Like others, I am curious about the reason for denial. Depending on the reason, despite the last recon efforts not going well, it might still be worth another shot.

If that doesn't pan out, maybe go for a card with another Star Alliance partner as a stopgap until you can get the United Club card? Lufthansa has an all-time high offer, and you can redeem their miles on United Flights.

Also, while folks in this thread have asserted that banks don't care about your education, I distinctly remember Discover asking what your highest level of education is on their application. I can't remember any other banks doing that, but there is at least one.

It isn't that they don't care about education, it's that the automated algorithms aren't impressed by where that level of education was achieved. They don't particularly care if you got your degree from an Ivy League school or from State U.

Off the top of my head my guess is that Chase issue with OP is tied to DTI concerns combined with limited experience with $15K+ CL cards. The United Club card historically has had a mininum SL of $15K.

Re: United Club Denial

privacyadvocate69 — Wed, 15 Feb 2023 20:07:00 GMT

@coldfusion wrote:
They don't particularly care if you got your degree from an Ivy League school or from State U.

Coincidentally, neither do most employers (:

Re: United Club Denial

cczzll1611 — Thu, 16 Feb 2023 05:15:24 GMT

Sorry, I still can't figure out how to quote posts here. I don't see the option.

Anyway, if you see my previous thread, the denial last time was because a charge off that was supposed to be off wasn't on Chase's end. They told me to wait 6+ months and to try again. So, I did. In that time, my credit score rose significantly. I am just frustrated and not interested in pleading my case again just to be told "sorry but no." It seems recon works maybe 20% of the time.

And to the person saying my low credit limit on a card ($15k) is probably blocking me — well, that's all I could get for a while as I rebuilt my credit and waited for the charge offs to go away. I do also have the $5k PayPal credit and the AMEX card. I'm doing the best I can. (Sorry, the attitude here always comes off as a bit elitist when people are just asking for help. Sorry I don't have 45 credit cards??)