topic Re: Chase Recon in Credit Card Applications

Chase Recon

Anonymous — Tue, 17 Mar 2015 19:45:01 GMT

Got denied for an Amazon rewards card from Chase b/c of a CA still reporting and too recent of inquiries....can/should I try another recon? The rep seemed like he wanted to say no from the beginning in addition to calling my CareCredit card and previous auto loan lender collection accounts.....advice!

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 19:46:39 GMT

@Anonymous wrote:
Got denied for an Amazon rewards card from Chase b/c of a CA still reporting and too recent of inquiries....can/should I try another recon? The rep seemed like he wanted to say no from the beginning in addition to calling my CareCredit card and previous auto loan lender collection accounts.....advice!

How many inquiries are we talking about? And yes, don't give up yet. Try again tomorrow depending on when you applied.

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 19:52:43 GMT

After he realized 6 of them were from auto loan shopping, last year, it was 4. I know I misexplained one because he described it wrong (hindsight...)

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 19:55:37 GMT

@Anonymous wrote:
After he realized 6 of them were from auto loan shopping, last year, it was 4. I know I misexplained one because he described it wrong (hindsight...)

Definately recon and make it clear those inquiries where from car shopping. Remind them of how responsible you have been with your current credit cards. When did you apply?

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 20:12:49 GMT

Last night.

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 20:14:46 GMT

I will try again, tomorrow. He made a comment about me applying and getting a capital one in the last two weeks and applying for and Amex, but those are the only recent inquiries aside from Chase! I'ma religious Amazon shopper! I need this card!

Re: Chase Recon

CreditCuriosity — Tue, 17 Mar 2015 20:42:15 GMT

SM > Amazon ... Although you might have better luck with the Amazon and since you have have used pulls. Good luck with the recon!

Re: Chase Recon

Anonymous — Tue, 17 Mar 2015 21:29:43 GMT

I don't understand....

Re: Chase Recon

CreditCuriosity — Tue, 17 Mar 2015 21:37:09 GMT

Sallie Mae Card 5% off vs. 3% up to 750 a month. Anyways, keep up with the recon and best of luck!

Re: Chase Recon

Anonymous — Wed, 18 Mar 2015 00:48:46 GMT

ahh, I heard they are extremely picky with applicants.....

Re: Chase Recon

CreditCuriosity — Wed, 18 Mar 2015 00:54:23 GMT

@Anonymous wrote:
ahh, I heard they are extremely picky with applicants.....

It is a harder card to get to be honest if it is your first Barclay's card I would say TU > 680 preferred > 700..

BTW if you haven't seen and interested if you want the STORE version of the amazon card just realeased today I believe if you have an Amazon Prime membership the Amazon store card offer 5% off now as well!! Not to bad, granted prime isn't as cheap as it use to be.. Something to consider and they pull TU and you scores would qualify for that card.

Keep on reconning the Chase though as you took the pulls! Best of luck

Re: Chase Recon

Anonymous — Wed, 18 Mar 2015 01:35:02 GMT

Great info, thanks! I'm gonna wait on Sallie Mae and pray I get the Amazon Rewards card. I'll update!

Re: Chase Recon

Anonymous — Wed, 18 Mar 2015 01:51:49 GMT

Called Chase back.....denied, again.

Re: Chase Recon

Jolo0801 — Wed, 18 Mar 2015 04:15:22 GMT

I know the feeling....

Just keep trying...

I applied for the Chase Sapphire but I know I app'd why to early.

At the time I had a card over the limit and some paid collections that are still reporting though they are on zero balance and showing zero on my CRs.

One lady on a recom told me the Chase Sapphire is for people with A-1 credit. Basicly saying your credit is "crap"...

She said there might be a slim chance that I could get the Slate or Freedom but that would be pushing it as well.

I'm going to wait until my UTL goes down before I try anything else again though...

Re: Chase Recon

Anonymous — Tue, 24 Mar 2015 02:48:34 GMT

Yeah, the said my loan balances were too high compared to their overall amount, but they're student loans that aren't set to be paid yet and are fairly new. Their biggest complaint, however, was my AAoA. 😒

Re: Chase Recon

chalupaman — Tue, 24 Mar 2015 10:29:15 GMT

Let your accounts/inquiries age more and try Chase again in the future and go for the Freedom instead. I think if you just applied the other day, you could try for another chase card on the same HP. My dad got denied Freedom and recon failed but his Amazon Visa was an instant approval and same HP.

Re: Chase Recon

Anonymous — Sun, 25 Oct 2015 14:35:00 GMT

I applied for the Chase Amazon.com Rewards Visa and was denied. I was surprised because I already have a Chase Sapphire for the last 2 years with a $12,000 cl and a Chase Slate for the last 2 years with $4000 cl. But I had just applied for the Capital One Quicksilve Visa Signature (approved for $10,000) and a cli on my Barclays Arrival MC (approved for a cli of $2500 for a total cl of $10,500). This was all done the day before. I am using less than 20% of my available credit limit on the Chase cards and my payment record is perfect. I have a Fako of 675. I called the backdoor recon number and after a few questions about some negative items that appeared on my CR from years ago (all fully paid off and up to date currently), I was approved for a cl of $3000! The backdoor recon numbers really work!