topic Re: Chase verification in Credit Card Applications

Chase verification

red259 — Sat, 25 Jul 2015 15:59:47 GMT

Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?

Re: Chase verification

Skye12329 — Sat, 25 Jul 2015 17:29:02 GMT

I think most lenders require an actual address vs like a PO box or mailbox. They will probably want a copy of drivers license and maybe utility bill. Second app not needed.

Re: Chase verification

Anonymous — Sat, 25 Jul 2015 17:30:34 GMT

Not sure about Chase but I know some of the mailbox places are actually mixed use developments. Modern residential condos on top, retail on bottom. I had a friend who used to get frustrated with some of the credit card companies because they would flag her as not haveing a residential address when she in fact did!

Re: Chase verification

red259 — Sat, 25 Jul 2015 17:36:29 GMT

@Skye12329 wrote:
I think most lenders require an actual address vs like a PO box or mailbox. They will probably want a copy of drivers license and maybe utility bill. Second app not needed.

yea this is kinda my thought too.

Re: Chase verification

Closingracer99 — Sat, 25 Jul 2015 17:48:37 GMT

@red259 wrote:
Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?

They did it for my Disney card and they just wanted to make sure i got the card plus did i app for it

Re: Chase verification

red259 — Sun, 26 Jul 2015 00:38:49 GMT

@Closingracer99 wrote:
@red259 wrote:
Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?
They did it for my Disney card and they just wanted to make sure i got the card plus did i app for it

Odd I'm not sure why recon can't do that and they make her wait till monday to call a different line. I vaguely remember going through something like this (definetly did it with chase business card but thought I may have had it with something else as well).

Re: Chase verification

Anonymous — Sun, 26 Jul 2015 01:00:23 GMT

@red259 wrote:
@Closingracer99 wrote:
@red259 wrote:
Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?
They did it for my Disney card and they just wanted to make sure i got the card plus did i app for it
Odd I'm not sure why recon can't do that and they make her wait till monday to call a different line. I vaguely remember going through something like this (definetly did it with chase business card but thought I may have had it with something else as well).

The recon department is seperate from the verification department. I can bet you if she banks with Chase, they will be asking her the amount in her account, last deposit date etc.. for verification...

Re: Chase verification

red259 — Sun, 26 Jul 2015 01:05:08 GMT

@Anonymous wrote:
@red259 wrote:
@Closingracer99 wrote:
@red259 wrote:
Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?
They did it for my Disney card and they just wanted to make sure i got the card plus did i app for it
Odd I'm not sure why recon can't do that and they make her wait till monday to call a different line. I vaguely remember going through something like this (definetly did it with chase business card but thought I may have had it with something else as well).
The recon department is seperate from the verification department. I can bet you if she banks with Chase, they will be asking her the amount in her account, last deposit date etc.. for verification...

Thanks for the headsup. I will let her know to review her account beforehand so she can have that info.

Re: Chase verification

Anonymous — Sun, 26 Jul 2015 01:12:02 GMT

@red259 wrote:
@Anonymous wrote:
@red259 wrote:
@Closingracer99 wrote:
@red259 wrote:
Finally got my friend to apply for chase freedom card (which her banker told her she was preapproved for) and she got the wait message after app. I had her call recon and they told her to call back mon-fri and provided her a number saying they need verification, but apparently didn't bother to specifiy to her what type of verification they needed. I assume this is an address verification or something to do with identity? She used a mailbox place as the address on her app, because that is where she gets her mail and I thought that might trigger the problem. If so, can that be fixed in a phone call with her providing her home address or will they require a second app?
They did it for my Disney card and they just wanted to make sure i got the card plus did i app for it
Odd I'm not sure why recon can't do that and they make her wait till monday to call a different line. I vaguely remember going through something like this (definetly did it with chase business card but thought I may have had it with something else as well).
The recon department is seperate from the verification department. I can bet you if she banks with Chase, they will be asking her the amount in her account, last deposit date etc.. for verification...
Thanks for the headsup. I will let her know to review her account beforehand so she can have that info.

You are welcome!! That is what they will do for customers who bank with them. Also, have her have any other security info. she put on her app. or her account when she opened it like mothers maiden name, fathers name, pet name etc... that was used.

Re: Chase verification

Anonymous — Sun, 26 Jul 2015 01:36:15 GMT

That will probably delay the process. They will want a mailing address.

Re: Chase verification

12njoy — Sun, 26 Jul 2015 02:32:43 GMT

Could be the address at mailbox or just simply verification. Some mailboxes have physical addresses that can be used. I have a P.O. Box which has a physical address that is actually listed on my CRA's. I am often asked about this address as verification of my preceeding address. I think it's just normal verification and a good sign since recon dept steered her to verification dept. I too recently got the verification department who just asked me simple verification questions from my credit file and then approved me for the Chase Hyatt @24k.

Re: Chase verification

red259 — Tue, 28 Jul 2015 02:30:21 GMT

Just an update. My friend called in and answered some questions and the chase rep said they do not need any further information and need to do further verification so it will take a week for an answer. I'm not sure what takes a week to verify.

Re: Chase verification

12njoy — Tue, 28 Jul 2015 02:32:50 GMT

@red259 wrote:
Just an update. My friend called in and answered some questions and the chase rep said they do not need any further information and need to do further verification so it will take a week for an answer. I'm not sure what takes a week to verify.

I know when I called in to verification I was told that usually, not always, that they are able to get an instant decision. It's not necessarily a bad sign considering that your friend didn't have to speak to a credit analyst. That's usually when it can go either way IMO. Others may chime in

Re: Chase verification

red259 — Tue, 28 Jul 2015 02:37:13 GMT

@12njoy wrote:
@red259 wrote:
Just an update. My friend called in and answered some questions and the chase rep said they do not need any further information and need to do further verification so it will take a week for an answer. I'm not sure what takes a week to verify.
I know when I called in to verification I was told that usually, not always, that they are able to get an instant decision. It's not necessarily a bad sign considering that your friend didn't have to speak to a credit analyst. That's usually when it can go either way IMO. Others may chime in

I've always gotten instance verification when it has happened except for a situation on a business card where I had to submit documents and then it was a matter of waiting for the documents to show in their system. In this case they didn't request anything. I find it odd and since she is not use to dealing with lenders she isn't pressing them for information about what they need to look at the way I would in that situation.

Re: Chase verification

12njoy — Tue, 28 Jul 2015 02:40:08 GMT

@red259 wrote:
@12njoy wrote:
@red259 wrote:
Just an update. My friend called in and answered some questions and the chase rep said they do not need any further information and need to do further verification so it will take a week for an answer. I'm not sure what takes a week to verify.
I know when I called in to verification I was told that usually, not always, that they are able to get an instant decision. It's not necessarily a bad sign considering that your friend didn't have to speak to a credit analyst. That's usually when it can go either way IMO. Others may chime in
I've always gotten instance verification when it has happened except for a situation on a business card where I had to submit documents and then it was a matter of waiting for the documents to show in their system. In this case they didn't request anything. I find it odd and since she is not use to dealing with lenders she isn't pressing them for information about what they need to look at the way I would in that situation.

Does she have any securithy freezes in place, cases of prior identity theft, etc... I know I recently attempted to apply for a PNC checking account online and was flagged due to prior identify theft so I couldn't open account online. I had to go into a brance and give my first born up.

Re: Chase verification

red259 — Tue, 28 Jul 2015 03:18:49 GMT

@12njoy wrote:
@red259 wrote:
@12njoy wrote:
@red259 wrote:
Just an update. My friend called in and answered some questions and the chase rep said they do not need any further information and need to do further verification so it will take a week for an answer. I'm not sure what takes a week to verify.
I know when I called in to verification I was told that usually, not always, that they are able to get an instant decision. It's not necessarily a bad sign considering that your friend didn't have to speak to a credit analyst. That's usually when it can go either way IMO. Others may chime in
I've always gotten instance verification when it has happened except for a situation on a business card where I had to submit documents and then it was a matter of waiting for the documents to show in their system. In this case they didn't request anything. I find it odd and since she is not use to dealing with lenders she isn't pressing them for information about what they need to look at the way I would in that situation.
Does she have any securithy freezes in place, cases of prior identity theft, etc... I know I recently attempted to apply for a PNC checking account online and was flagged due to prior identify theft so I couldn't open account online. I had to go into a brance and give my first born up.

not that I am aware of and she banks with Chase!

Re: Chase verification

12njoy — Tue, 28 Jul 2015 03:23:44 GMT

That's really odd then since she banks with them. All I can say is they told me that there are times an instant decision isn't made but the fact that she didn't have to speak to an analyst is a good sign IMO

Re: Chase verification

red259 — Tue, 28 Jul 2015 03:29:47 GMT

@12njoy wrote:
That's really odd then since she banks with them. All I can say is they told me that there are times an instant decision isn't made but the fact that she didn't have to speak to an analyst is a good sign IMO

Well she was preapproved and was told so by the branch, so it will be ridiculous if they deny her, because the only reason I had her apply for this card was because of the preapproval.

Re: Chase verification

12njoy — Tue, 28 Jul 2015 03:48:25 GMT

@red259 wrote:
@12njoy wrote:
That's really odd then since she banks with them. All I can say is they told me that there are times an instant decision isn't made but the fact that she didn't have to speak to an analyst is a good sign IMO
Well she was preapproved and was told so by the branch, so it will be ridiculous if they deny her, because the only reason I had her apply for this card was because of the preapproval.

Ok then it just sounds like a verification issue unless something drastically changed from the time of preapproval to when she submitted the application in her credit profile

Re: Chase verification

red259 — Fri, 31 Jul 2015 18:24:28 GMT

Just an update she was approved, although she does not know what the credit line is yet. Is there any way to find out the credit line without calling in? She is kind of trigger shy and doesn't want to call to ask. Since she has a chase bank account would the card automatically show up lined to her account or does she have to add it when she gets the physical card?