topic Re: Chase Marriott Pending UPDATE Approved 8/20. in Credit Card Applications

Chase Marriott Pending UPDATE Approved 8/20.

Anonymous — Fri, 21 Aug 2015 01:17:08 GMT

So I came out of the garden today (after only being there a few months), and applied for the Marriott so I could take advantage of the sign up offer since I have a big trip coming up.

I got the dreaded pending message, and when I called recon line they had no additional details, called twice.

Anyone have any experience with this ?

My scores are all in the 720s util is under 30 percent and I currently have a CSP paid off and Freedom with a small balance. I do have a lot of inquiries, like 8 within the last 6 months and AAoA is 12 months, these stats have me worried, but it makes me wonder why they didn't just deny.

Any help or insight is super appreciated.

Re: Chase Marriott Pending.

ojefferyo — Wed, 19 Aug 2015 16:47:41 GMT

What exactly did the pending message say?

Re: Chase Marriott Pending.

Anonymous — Wed, 19 Aug 2015 16:51:46 GMT

It says

"We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision."

I called and both reps put me on hold and said that no further verification was needed that it was still going through internal processing. One rep said wait 30 days for the letter the other said call back in a week. They had no other info to offer, I just wanna book my trip soon and would like to use this card if approved but can't wait 30 days to pay for the trip.

Re: Chase Marriott Pending.

ddemari — Wed, 19 Aug 2015 17:07:43 GMT

OP- call the chase automated credit card status line. If the message says we will get to you in writing within 14 days, that is a GREAT sign of approval. If the status say something like "to here this information again, press 0 to end this call blah blah and does not give u any info on your app, that is great sign! if the status line says you will hear from us in writing in 7 to 10 days, that is usually a decline.

Re: Chase Marriott Pending.

ddemari — Wed, 19 Aug 2015 17:08:20 GMT

I apped for Marriott on 6/24 and the approval didnt go through until 7-14.

Re: Chase Marriott Pending.

Anonymous — Wed, 19 Aug 2015 17:14:20 GMT

Automated line also says 30 days for decision. I feel like this will just be a delayed denial. Crazy that it will take so long. I've always had Instant approvals/denials Maybe I better just book with another card.

Re: Chase Marriott Pending.

SecretAzure — Wed, 19 Aug 2015 17:37:58 GMT

@Anonymous wrote:
Automated line also says 30 days for decision. I feel like this will just be a delayed denial. Crazy that it will take so long. I've always had Instant approvals/denials Maybe I better just book with another card.

Don't give up just yet. By when do you have to book?

Re: Chase Marriott Pending.

Anonymous — Wed, 19 Aug 2015 17:41:54 GMT

Well the trip is planned for October 23 but rates are going to keep going up if I don't book soon. I'll give it through the weekend and hope for a positive outcome.

Re: Chase Marriott Pending.

SecretAzure — Wed, 19 Aug 2015 17:44:33 GMT

@Anonymous wrote:
Well the trip is planned for October 23 but rates are going to keep going up if I don't book soon. I'll give it through the weekend and hope for a positive outcome.

If you try with a different browser the rates should drop back to near what you first saw. Ultimately though, it's up to you to decide what is best for you. It would be nice to easily meet your spend goal with a vacation on the card.

Re: Chase Marriott Pending.

Anonymous — Wed, 19 Aug 2015 17:49:47 GMT

Good call on the browser trick. I'll wait it out for a week or so and see what happens. I can always book with my CSP and get some points but I really wanted that signup. It was between this and the spg card, I wonder if I should have gone the other route. One reason I chose this over spg is that my Amex ED card is where most of my util lives, I figured that might hurt my chances

Re: Chase Marriott Pending.

Anonymous — Thu, 20 Aug 2015 12:02:25 GMT

I got the same message on the United Explorer Club - Chase hates me, so I figured it would be a denial.

I called the automated line and they said they would let me know by mail in 2 weeks.

I still think its a denial

Re: Chase Marriott Pending.

CreditCuriosity — Thu, 20 Aug 2015 12:24:45 GMT

@Anonymous wrote:
I got the same message on the United Explorer Club - Chase hates me, so I figured it would be a denial.

I called the automated line and they said they would let me know by mail in 2 weeks.

I still think its a denial

Two weeks is usually a good message it means one of two things usually either verification or the CB they are trying to pull is frooze.. Best of luck

Re: Chase Marriott Pending.

Anonymous — Thu, 20 Aug 2015 12:27:54 GMT

Hmmm, interesting. Well I will definitely report back with details. My CRs aren't frozen so it cant be that.

Re: Chase Marriott Pending.

Anonymous — Thu, 20 Aug 2015 12:49:59 GMT

Yeah my automated message still says that I will be notified in writing within 30 days of receiving my application. I have not found anyone's speculation or prediction based on that particular message, only on the two weeks or no message. I guess I will have to wait to find out.

Re: Chase Marriott Pending.

Anomalous — Thu, 20 Aug 2015 14:56:24 GMT

@Anonymous wrote:
I got the same message on the United Explorer Club - Chase hates me, so I figured it would be a denial.

I called the automated line and they said they would let me know by mail in 2 weeks.

I still think its a denial

I got that message as well. Then when the two-week mark was about up and I didn't receive anything in the mail, I called the application status line again and got the "you're approve" message. So don't give up. Waiting it out could be in your favor.

Re: Chase Marriott Pending.

Anonymous — Thu, 20 Aug 2015 14:58:38 GMT

Right on. Hopefully all will be well, I appreciate the input, just trying to get that signup bonus !

Re: Chase Marriott Pending.

OmarGB9 — Thu, 20 Aug 2015 16:23:56 GMT

Good luck!

Re: Chase Marriott Pending.

Anonymous — Fri, 21 Aug 2015 00:59:04 GMT

So i just logged into my chase account to make a payment on my freedom card, and saw that there was a thrid account now!!

They approved the Marriott with a 5k SL! I was really hoping for a higher starting limit, my Amex is at 15k, venture 15k, and CSP at 8k, it would have been nice to have one of those matched.

I called to try and recon the starting limit, and they said that it would be another HP. I dont know if it is worth risking the HP for maybe only an extra grand. What do you guys think ? would you take the HP or wait it out?

Re: Chase Marriott Pending.

Anonymous — Fri, 21 Aug 2015 01:18:40 GMT

@Anonymous wrote:
So i just logged into my chase account to make a payment on my freedom card, and saw that there was a thrid account now!!

They approved the Marriott with a 5k SL! I was really hoping for a higher starting limit, my Amex is at 15k, venture 15k, and CSP at 8k, it would have been nice to have one of those matched.

I called to try and recon the starting limit, and they said that it would be another HP. I dont know if it is worth risking the HP for maybe only an extra grand. What do you guys think ? would you take the HP or wait it out?

CONGRATS!

i would wait it out, but it's up to you - how many inq's you have, and how much you need that higher CL

Re: Chase Marriott Pending UPDATE Approved 8/20.

Anonymous — Fri, 21 Aug 2015 01:55:57 GMT

Yeah, I will probably wait it out, just wish it would have been higher.