topic Chase “Not sufficient credit information” denial. in Credit Card Applications

Chase “Not sufficient credit information” denial.

RebuildBetter — Tue, 31 Dec 2024 20:51:23 GMT

So, I want to give as much data as possible before asking my question so bare with me.

Experian Fico 8 709, experian Fico 9 711

2 paid off baddies left on report that fall off in January and April of 2025.

Utilization 39%
New CC Accounts: 1/24

income: 114k

largest credit line is 6400

AAoA: 7 years 10 months

Live in TX

frozen equifax and transunion

So I logged into chase credit journey where I saw I was pre approved for all of their personal cards (There was something on the main page where it says you are already approved, I clicked that, then I saw all the green starred preapprovals). I applied for the chase freedom unlimited and got the we will get back to you message. I had also been trying to open an account with chase but was denied everytime so I tried to kill 2 birds with 1 stone and went into the branch that Monday (I applied Saturday night). The branch banker was able to sign me up with an account with a 300 dollar promotion they are having. When I asked about the credit card application, she called and someone told her that I was already denied for "not sufficient credit information". She then said that was all they could tell her but that I could call and get more information. I did call twice and was told that I'd have to wait for the letter in the mail.

My 2 questions are:

1) Does anyone know what that denial reason actually means?

2) should I call to recon it now or wait until I get the denial letter?

Re: Chase “Not sufficient credit information” denial.

GZG — Tue, 31 Dec 2024 22:16:08 GMT

@RebuildBetter wrote:
frozen equifax and transunion

I wonder if they wanted transunion and they couldn't pull it resulting in the denial, no reason you have to wait for the letter, the letter I doubt is going to say anything different

Re: Chase “Not sufficient credit information” denial.

Tdatb64 — Wed, 01 Jan 2025 01:45:38 GMT

A first Chase card is almost always a 2-bureau pull and subsequent cards may be. You should unfreeze EQ & TU and call 1-888-338-2586, find your way through the robocrap to an actual human being and explain. They'll likely tell you it's because they couldn't pull from one of those 2 and, when you tell them it's now unfrozen, ask your permission to do a hard pull. If it's approved, they should tell you so immediately and inform you of your limit.

Re: Chase “Not sufficient credit information” denial.

GreatLife — Sat, 11 Jan 2025 20:09:50 GMT

Super annoying when someone gets their needed help then doesn't provide any update that could help someone else. 😐

Re: Chase “Not sufficient credit information” denial.

RebuildBetter — Tue, 21 Jan 2025 05:15:42 GMT

@GreatLife wrote:
Super annoying when someone gets their needed help then doesn't provide any update that could help someone else. 😐

You could have just asked for an update.

I would have told you that I don't have an update because I've yet to receive their letter. Everytime I call, they tell me to wait for their letter in the mail. They recently recent the letter so I'm waiting on that.