topic Re: Chase Methods? in Credit Card Applications

Chase Methods?

Anonymous — Sat, 12 Sep 2015 00:07:14 GMT

Hey everyone, it's been a while since I last posted after my rejection for an NFL rewards card in July.

Today, I decided to apply for an Amazon reward card, which appears to be through Chase. The rewards were decent and it offered a 50$ gift card reward.

My gf had gotten one recently with a significantly lower score than myself.

I also already have a chase freedom card with a 1500 CL.

Long story short, I was denied for this card.

My question is, why would I be accepted months ago for a freedom and denied for this? I can't seem to wrap my head around that logic

Re: Chase Methods?

Skye12329 — Sat, 12 Sep 2015 05:02:48 GMT

Honestly it could be anything. You will just have to see what the letter says.

Re: Chase Methods?

Anonymous — Sat, 12 Sep 2015 05:52:32 GMT

I was too back in May. The reason wast too many recemt inquires. I had maybe 5 in 6 months and 7 in the last 2 years. Then come August, I was approved for 12 cards that month. two of them were the CSP and Slate. I apped for those cards early in the spree. But, it seemed weird that I didn't get accepted for the Amazon card 3 month earlier and get those 2, 3 months later. Of those cards, the CSP in theory, is a harder card to obtain. Sorry for your denial.

Re: Chase Methods?

Anonymous — Sat, 12 Sep 2015 10:58:53 GMT

Being approved for a Freedom card with a $1,500 limit meant you barely got in. Chase goes by their internal scores when deciding to approve cards. What are your scores and how does your credit profile look like? Lets start from there and it will help better determine why Chase decided to deny you.

Re: Chase Methods?

Anonymous — Sat, 12 Sep 2015 17:42:11 GMT

So I must say, I got the 30 day message, which I thought was code for Denial, but I've read that isn't always the case.

Ive had a car loan.... Never missed a payment... Been paying for over two and a half years now... Never late or anything. My oldest card is now 7 months old.

The he only thing I could grab quickly was the FICO report I receive with discover. On my last statement it was 747.

never any late or missed payments on the cards either

Re: Chase Methods?

Anonymous — Sat, 12 Sep 2015 22:00:53 GMT

@Anonymous wrote:
So I must say, I got the 30 day message, which I thought was code for Denial, but I've read that isn't always the case.

Ive had a car loan.... Never missed a payment... Been paying for over two and a half years now... Never late or anything. My oldest card is now 7 months old.

The he only thing I could grab quickly was the FICO report I receive with discover. On my last statement it was 747.

never any late or missed payments on the cards either

Do you have any other credit cards apart from the Freedom card or is it just a this 1 card and a car loan?

Re: Chase Methods?

Creditaddict — Sat, 12 Sep 2015 22:53:56 GMT

Call verification number listed in backdoor thread tomorrow... very much might just want to ask you couple security questions and then they will issue you approval and amount over phone!

Re: Chase Methods?

Anonymous — Sun, 13 Sep 2015 01:08:29 GMT

@Anonymous wrote:
@Anonymous wrote:
So I must say, I got the 30 day message, which I thought was code for Denial, but I've read that isn't always the case.

Ive had a car loan.... Never missed a payment... Been paying for over two and a half years now... Never late or anything. My oldest card is now 7 months old.

The he only thing I could grab quickly was the FICO report I receive with discover. On my last statement it was 747.

never any late or missed payments on the cards either
Do you have any other credit cards apart from the Freedom card or is it just a this 1 card and a car loan?

I have the freedom, a discover it chrome, and Bank of America cash rewards card

Re: Chase Methods?

Callandra — Sun, 13 Sep 2015 01:44:33 GMT

@Anonymous wrote:
So I must say, I got the 30 day message, which I thought was code for Denial, but I've read that isn't always the case.

Ive had a car loan.... Never missed a payment... Been paying for over two and a half years now... Never late or anything. My oldest card is now 7 months old.

The he only thing I could grab quickly was the FICO report I receive with discover. On my last statement it was 747.

never any late or missed payments on the cards either

I'm confused, did you get denied or the 30 day message? Usually with Chase, 30 days is verification (I agree, call the verification number) and 7-10 days tends to be a denial.

Re: Chase Methods?

Anonymous — Sun, 13 Sep 2015 13:13:03 GMT

@Callandra wrote:
@Anonymous wrote:
So I must say, I got the 30 day message, which I thought was code for Denial, but I've read that isn't always the case.

Ive had a car loan.... Never missed a payment... Been paying for over two and a half years now... Never late or anything. My oldest card is now 7 months old.

The he only thing I could grab quickly was the FICO report I receive with discover. On my last statement it was 747.

never any late or missed payments on the cards either
I'm confused, did you get denied or the 30 day message? Usually with Chase, 30 days is verification (I agree, call the verification number) and 7-10 days tends to be a denial.

I got the 30 day message, which I thought was pretty much a denial. I then read that this may not be the case

Re: Chase Methods?

Creditaddict — Sun, 13 Sep 2015 13:19:18 GMT

These days unless it says declined processing messages means exactly that.
Call security fraud number now, they are open.

Re: Chase Methods?

ddemari — Tue, 15 Sep 2015 06:35:47 GMT

op- also call the 800 number for chase credit card application status and see what the lady says regarding when you will hear from them. if its 10 days, provably a denial. but, show chase 3-6 months of use and payment history and they are more than willing to extend credit to people once they know you a little bit