topic Re: Chase Ink in pending/review in Business Credit

Chase Ink in pending/review- approved

jdsinm — Fri, 15 Apr 2022 18:07:54 GMT

Appd today and got the 30 day under review message. Will update later. Updated 3.30 the waiting continues see below.

They pulled EX personal with a cali address.

sole p using ss#

750-760 score

13% debt to income

3 year plus old business

Long term (30+ years) with multiple checking/cc accounts with them. No business accounts with them

Only established bus credit is amex from earlier this year

Adding- i received the 30 day email the same day i appd

3.30 update-

I received a letter in the mail today. Saying "they needed info. May be related to alert on your credit profile or TIN".

I don't have a locked credit report so it wasn't that.

Turns out i transposed the last two digits of my SS.

They wanted to verify the "correct" number.

Interesting DP that they were still able to originally run my credit when i applied.

Long story short they verified the correct info and moved forward which then meant i needed to get transferred to a business side rep. Then i got the "everything looks good, you will hear something in 2 weeks from us" boilerplate.

Final DP, once they confirmed the correct number, i almost immediately got an email with the thanks for applying 30 day notice again. I also got a new hard inquiry. I'll deal with that later.

4.11-update

So i was in the 30 day message response box sense they did a hard pull the second time.

I was calling every other day and today was a day i called and heard the same message.

Then tonight i got the - "thank you for your interest in a chase card" email

"Congratulations. We have approved your request for a Chase credit card.".

So was a long haul to get to an answer but it's nice to get a yes. (original app/pull on 3/21-22 days)

No other details, will update when I do.

4.15- update

Finally got the "welcome" email, my limit is $9500. Good imo, for having very little bus credit i have at this point.

Anyaway, my data shows in my specific case you can get a business card from them even if you have little established other bus credit and a solid relationship with them.

Re: Chase Ink in pending/review

Jordan23ww — Mon, 21 Mar 2022 22:01:56 GMT

Best wishes to you! I hope you easily get approved!

Re: Chase Ink in pending/review

SG43 — Wed, 23 Mar 2022 15:08:48 GMT

Keep us in the loop

Re: Chase Ink in pending/review

AceTen — Fri, 25 Mar 2022 00:29:47 GMT

Good luck to you! I apped last night and got the 30 days message.

Here's a "chase approval guide" from reddit/imgur https://imgur.com/a/oXlPW

My message went to 2 weeks when I called the auto line. If they don't approve me then I will try to talk my way in, but I like my odds. I'm going to call them up for expediated shipping if the message changes.

I just found out my Chase ink was approved via 1888 270 2127. OP, you may want to check that number. You are probably approved as well. I do not know my SL, but will call when their offices open.

Good luck!

Re: Chase Ink in pending/review

SouthJamaica — Mon, 28 Mar 2022 21:44:01 GMT

@AceTen wrote:
Good luck to you! I apped last night and got the 30 days message.

Here's a "chase approval guide" from reddit/imgur https://imgur.com/a/oXlPW

My message went to 2 weeks when I called the auto line. If they don't approve me then I will try to talk my way in, but I like my odds. I'm going to call them up for expediated shipping if the message changes.

I just found out my Chase ink was approved via 1888 270 2127. OP, you may want to check that number. You are probably approved as well. I do not know my SL, but will call when their offices open.

Good luck!

Love that approval guide, but I think the phone number you used is better than the phone number they mention.

I broke down and applied even though there's no prequalification and my utilization and scores are the worst they've been in years.

I'm at 24 hours and still 'pending, 2 weeks'.

Re: Chase Ink in pending/review

Citylights18 — Tue, 29 Mar 2022 06:22:13 GMT

I would ignore their messages and call them every 3 business days.

My business cash was taking 10 days in the mail. I gave them a call and they expedited my card in 1-2 business days.

It pays to be agressive especially if you are waiting on it.

Re: Chase Ink in pending/review

SG43 — Tue, 29 Mar 2022 12:12:08 GMT

@SouthJamaica wrote:
Love that approval guide, but I think the phone number you used is better than the phone number they mention.
I broke down and applied even though there's no prequalification and my utilization and scores are the worst they've been in years.
I'm at 24 hours and still 'pending, 2 weeks'.

I hope it pans out for you. I know you've mentioned before it's one of your last wishlist cards. You're one of the more memorable posters that I found not only consistently good information from but inspiration in my rebuild. And here I am in the 800's with 150k+ of unsecured credit, another 70k+ of business credit. Never would I have imagined.

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 12:53:07 GMT

@SG43 wrote:
@SouthJamaica wrote:
Love that approval guide, but I think the phone number you used is better than the phone number they mention.
I broke down and applied even though there's no prequalification and my utilization and scores are the worst they've been in years.
I'm at 24 hours and still 'pending, 2 weeks'.
I hope it pans out for you. I know you've mentioned before it's one of your last wishlist cards. You're one of the more memorable posters that I found not only consistently good information from but inspiration in my rebuild. And here I am in the 800's with 150k+ of unsecured credit, another 70k+ of business credit. Never would I have imagined.

Thank you for your kind words. I'm glad you're doing well in the credit game

As to my personal quest for my one wish list card: still pending with the "2 week" language.

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 13:00:02 GMT

@Citylights18 wrote:
I would ignore their messages and call them every 3 business days.

My business cash was taking 10 days in the mail. I gave them a call and they expedited my card in 1-2 business days.

It pays to be agressive especially if you are waiting on it.

Me I have a deep seated fear of human recon conversations. I don't like to grovel.

Re: Chase Ink in pending/review

GApeachy — Tue, 29 Mar 2022 13:15:16 GMT

@SouthJamaica wrote:
As to my personal quest for my one wish list card: still pending with the "2 week" language.

Oh wow! You really went for it. Man! I hope you snag it...tag me plz!

Any update OP? @jdsinm

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 13:21:22 GMT

@GApeachy wrote:
@SouthJamaica wrote:
As to my personal quest for my one wish list card: still pending with the "2 week" language.
Oh wow! You really went for it. Man! I hope you snag it...tag me plz!

Any update OP? @jdsinm

Certainly will update but I'm not expecting good news.

Re: Chase Ink in pending/review

GApeachy — Tue, 29 Mar 2022 13:30:17 GMT

@SouthJamaica wrote:

Certainly will update but I'm not expecting good news.

We're all pulling for you!

I've never app'd with them but did you check box that you'd like to BT?

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 13:46:56 GMT

@GApeachy wrote:
@SouthJamaica wrote:

Certainly will update but I'm not expecting good news.
We're all pulling for you!
I've never app'd with them but did you check box that you'd like to BT?

No that wasn't in the app.

(If it had been, I wouldn't have checked it because I never do balance transfers that way. Never know what the amount will be or when it will go through. Even when I'm intending to do a balance transfer with the applied-for card, I wait until I have the account, know the credit limit, and know what the statement date will be, before requesting it)

Re: Chase Ink in pending/review

GApeachy — Tue, 29 Mar 2022 13:55:50 GMT

@SouthJamaica wrote:
@GApeachy wrote:
@SouthJamaica wrote:

Certainly will update but I'm not expecting good news.
We're all pulling for you!
I've never app'd with them but did you check box that you'd like to BT?
No that wasn't in the app.

(If it had been, I wouldn't have checked it because I never do balance transfers that way. Never know what the amount will be or when it will go through. Even when I'm intending to do a balance transfer with the applied-for card, I wait until I have the account, know the credit limit, and know what the statement date will be, before requesting it)

I know it's a ymmv thing and I often wonder if that could/would be a determining factor in acceptance/denial, amt. of sl. I shied.

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 14:09:43 GMT

@GApeachy wrote:
@SouthJamaica wrote:
@GApeachy wrote:
@SouthJamaica wrote:

Certainly will update but I'm not expecting good news.
We're all pulling for you!
I've never app'd with them but did you check box that you'd like to BT?
No that wasn't in the app.

(If it had been, I wouldn't have checked it because I never do balance transfers that way. Never know what the amount will be or when it will go through. Even when I'm intending to do a balance transfer with the applied-for card, I wait until I have the account, know the credit limit, and know what the statement date will be, before requesting it)
I know it's a ymmv thing and I often wonder if that could/would be a determining factor in acceptance/denial, amt. of sl. I shied.

I have speculated on that myself, but if I had to guess I would say no it isn't. My reasoning: the underwriters, who seem to be the people actually making these decisions, don't seem to care about getting business. They just seem to be concerned about risk avoidance, and nothing else.

Re: Chase Ink in pending/review

SG43 — Tue, 29 Mar 2022 20:07:40 GMT

@SouthJamaica wrote:
@Citylights18 wrote:
I would ignore their messages and call them every 3 business days.

My business cash was taking 10 days in the mail. I gave them a call and they expedited my card in 1-2 business days.

It pays to be agressive especially if you are waiting on it.
Me I have a deep seated fear of human recon conversations. I don't like to grovel.

Just so you wouldn't feel alone, I went ahead and full send, cold app'd the ink cash. No hard pulls yet, automated message says two weeks.

Re: Chase Ink in pending/review

SouthJamaica — Tue, 29 Mar 2022 22:36:40 GMT

@SG43 wrote:
@SouthJamaica wrote:
@Citylights18 wrote:
I would ignore their messages and call them every 3 business days.

My business cash was taking 10 days in the mail. I gave them a call and they expedited my card in 1-2 business days.

It pays to be agressive especially if you are waiting on it.
Me I have a deep seated fear of human recon conversations. I don't like to grovel.

Just so you wouldn't feel alone, I went ahead and full send, cold app'd the ink cash. No hard pulls yet, automated message says two weeks.

Good luck to both of us and to @jdsinm

Re: Chase Ink in pending/review

AceTen — Wed, 30 Mar 2022 15:36:02 GMT

@SouthJamaica wrote:
@Citylights18 wrote:
I would ignore their messages and call them every 3 business days.

My business cash was taking 10 days in the mail. I gave them a call and they expedited my card in 1-2 business days.

It pays to be agressive especially if you are waiting on it.
Me I have a deep seated fear of human recon conversations. I don't like to grovel.

You went for it! I like your odds. I'm sweating it and rooting for you.

I look at it as a chance to practice persuassion skills, not grovelling. You seem persuasive to me but if not, Follow the chart! Have some wine or smoke some medicine (where legally appropriate).

Re: Chase Ink in pending/review

SG43 — Wed, 30 Mar 2022 16:06:55 GMT

Middle of the night email last night.

Congratulations. We have approved your request for a Chase credit card.
You'll receive your new card and welcome kit in the mail in 3 to 5 business days.
Thanks for choosing Chase. We look forward to serving you.

already showing on my business chase login. Lowest APR (13.49 iirc) 5K SL. No 0% period like I got with CIU. 75k UR for 7500 spend.

I hope y'all hear something soon. :/

Re: Chase Ink in pending/review

SouthJamaica — Wed, 30 Mar 2022 18:09:59 GMT

@SG43 wrote:
Middle of the night email last night.

Congratulations. We have approved your request for a Chase credit card.
You'll receive your new card and welcome kit in the mail in 3 to 5 business days.
Thanks for choosing Chase. We look forward to serving you.

already showing on my business chase login. Lowest APR (13.49 iirc) 5K SL. No 0% period like I got with CIU. 75k UR for 7500 spend.

I hope y'all hear something soon. :/

Awesome! Congratulations @SG43

Any data points for us?

How could they not give you the 0% promo interest rate, when that's written right into the card description on their site?