topic Re: Chase Amazon run around in Credit Card Applications

Chase Amazon run around

jodysmithavl — Sat, 14 Sep 2024 17:10:35 GMT

Last week on 9/7 I applied for the Chase Amazon card, on Amazon.com website.
I asssujed it would be an instant approval - or god forbid a denial. Got the 7-10days response.

Later I got notifications within about 30min of credit being pulled from Experian.

tried called recon line and was told there was no app, and nothing on file, but I had seen my credit pull report on 2 different systems. (Strangely NOT myFICO)

anyhow, seems it's held up do to address mis-match and I've verified my address via 3 different document requests with chase and still no decision. getting pretty frustrated as I've never had so much trouble with a credit app.

my scores are all 800+, util less than 2% and as of the application no inq's. Pretty clean and solid.

anyone else feeling the cold shoulder from chase?

Re: Chase Amazon run around

NoMoreE46 — Sat, 14 Sep 2024 17:55:46 GMT

@jodysmithavl wrote:
Last week on 9/7 I applied for the Chase Amazon card, on Amazon.com website.
I asssujed it would be an instant approval - or god forbid a denial. Got the 7-10days response.

Later I got notifications within about 30min of credit being pulled from Experian.

tried called recon line and was told there was no app, and nothing on file, but I had seen my credit pull report on 2 different systems. (Strangely NOT myFICO)

anyhow, seems it's held up do to address mis-match and I've verified my address via 3 different document requests with chase and still no decision. getting pretty frustrated as I've never had so much trouble with a credit app.

my scores are all 800+, util less than 2% and as of the application no inq's. Pretty clean and solid.

anyone else feeling the cold shoulder from chase?

Have changed your mailing address or moved?

What is the mis-match?

Re: Chase Amazon run around

Varsity_Lu — Sat, 14 Sep 2024 21:46:27 GMT

Interesting. I just went through the Amazon Visa pre-approval (it said I was pre-approved) and then proceeded to apply. When I submitted, I received the following message:

"Your application needs further review. Please don't resubmit the application.

An immediate decision about your application cannot be provided as it requires further review."

This was at the bottom of the page:

"We may need to contact you to verify your identity prior to approving you for the card."

I'm pretty sure I qualify for this card. My credit score is pretty good, I have nothing negative on my report, and my utilization is like 1%. Weird.

Re: Chase Amazon run around

MySunrise271 — Sun, 15 Sep 2024 02:02:24 GMT

@Varsity_Lu I had a similar response for an AMEX pre approval. It was late on a Wednesday, late that following Friday I received a call from Amex they wanted to confirm I had indeed applied for the product. A few further verification questions, and in about 1 minute after hanging up an email arrived saying I was approved. The account showed up on Monday. So, just be patient its the weekend.

Re: Chase Amazon run around

Varsity_Lu — Sat, 21 Sep 2024 11:10:45 GMT

@MySunrise271 wrote:
@Varsity_Lu I had a similar response for an AMEX pre approval. It was late on a Wednesday, late that following Friday I received a call from Amex they wanted to confirm I had indeed applied for the product. A few further verification questions, and in about 1 minute after hanging up an email arrived saying I was approved. The account showed up on Monday. So, just be patient its the weekend.

I got a Chase fraud letter in the mail yesterday (Friday) and called them that afternoon. I spoke to a CSR and verified my identity. They then re-activated my Amazon Visa application but told me it had to go through a system review. I will either get a rejection letter or a card in the mail in about a week. I'm guessing I am going to get a rejection letter. Still seems weird since I passed the pre-approval and have a pretty high score with very low utilization.

Re: Chase Amazon run around

MySunrise271 — Sat, 21 Sep 2024 13:53:44 GMT

Here is hoping for approval. Banks often change there back office procedures for product application so who knows what new guidelines may have flagged your otherwise solid credit profile? GL.

Re: Chase Amazon run around

Varsity_Lu — Sat, 21 Sep 2024 13:35:56 GMT

@MySunrise271

Thanks. I'll update here when I hear back from Chase.

Re: Chase Amazon run around

Yoshi1981 — Sat, 21 Sep 2024 14:37:45 GMT

Fingers crossed its a simple verification matter holding up your approval. Never heard of this before though...good to know.

Re: Chase Amazon run around

Varsity_Lu — Mon, 30 Sep 2024 12:24:44 GMT

Declined. I haven't received the letter in the mail yet, but I called Chase to check on the status. The CSR was kind of surprised that there wasn't any reason given for the decline. She said there is always a reason listed for a decline. The only thing I can think of is too many recent inquiries. They pulled TU and Ex. My scores were 812 with 5 INQs and 794 with 3 INQs respectively. Their hard pulls put me at 6 and 4 INQs in 12 months. I've also opened three accounts this year, but two of them have yet to report. My AAoA is like 9 years because of an old closed Lowes card from 21+ years ago that mistakenly didn't close until 2015 even though I requested it. Thank you Synchrony.

I'm actually ok with this decline. My wife was just approved for BCE and we will be using that for all online purchases including Amazon. Honestly, we spend less than $1,000 each year on Amazon so the cash back between 1.5% with my Quicksilver and 3% with Amazon Visa is only $15. But now we have BCE so we'll still get 3%. The fact that this Amazon account was never opened helps my AAoA going forward. I am a little bummed that I can't seem to get into a Visa Signature card. That's one of my goals before my wife and I head to Europe.

Guess I'll garden for a while.

Re: Chase Amazon run around

nytimestraveler — Mon, 30 Sep 2024 05:46:03 GMT

It sounds like you didn't need the Amazon anyway

Re: Chase Amazon run around

Varsity_Lu — Mon, 30 Sep 2024 19:03:11 GMT

@nytimestraveler wrote:
It sounds like you didn't need the Amazon anyway

For cash back, no, now that I have BCE. I did see value with it having no FTF and being a Visa Signature. All my cards are either AmEx or Mastercard right now. Honestly, I was pre-approved and I thought it was and easy approval with a small SUB. Guess not.