topic Re: How long does it take for Chase/First USA to process application in Credit Cards

How long does it take for Chase/First USA to process application

Red1Blue — Wed, 23 Jul 2008 22:18:10 GMT

I could not resist. I applied for StarBucks Visa Credit card with Chase online today. I have received 30 day message. They pulled my TU which is around 700. How long do you think it will take for Chase to approve or decline my application? What is the average processing time for Chase for those who got 30 day message?

Re: How long does it take for Chase/First USA to process application

Anonymous — Wed, 23 Jul 2008 22:26:42 GMT

We dedicate the name to our "Center" after you and you do this?????

Call the back door # for Chase and try to have them approve your application over the phone!

Re: How long does it take for Chase/First USA to process application

Red1Blue — Wed, 23 Jul 2008 22:31:07 GMT

I could not resist the temptation of White Chocloate Mocha at Starbucks. Too much craving for it. I travel quite a bit for my business and Starbucks have become my new found friend when I am on the road. I always do PIF, though my credit limits are close to $48K I do PIF and my out standing util is less than $200-300. I think I deserve the Starbucks card. Hope I'll get it.

Re: How long does it take for Chase/First USA to process application

jaxstraw — Wed, 23 Jul 2008 22:36:46 GMT

Actually it's close to three weeks for Chase. They are very slow.

I'm waiting on a National Parks Visa from them right now.

I don't need another card from Chase just want to change to a card that gives back to the National Parks.

They wouldn't let me product change from my Freedom but said if I apply and am approved I can cancel the Freedom and transfer differential of CL over. And if I'm declined I can recon under the condition I'll close the Freedom at the same time.

It's been two weeks and a couple of phone calls but it is still under review. The CSR said it normally takes about 20-30 days.

Jax

Message Edited by jaxstraw on 07-23-2008 03:36 PM

Re: How long does it take for Chase/First USA to process application

emoticon — Wed, 23 Jul 2008 22:39:09 GMT

I have no idea what the average processing time is, but it took them 21 days to process my app. It was torture. I called every day, too. They pulled EQ June 17, EX July 24, and EQ AGAIN on July 10. They gave me a low $5k CL. When I received my card, I spoke with a CSR to get a CLI, was denied; spoke with two more analysts and finally got it bumped to $15k. Their software was denying me the CLI and they manually over-rode it. The point is they can take forever, longer than anyone else I've ever dealt with. Good luck!

On a side-note: First post here. Hello everyone! :-D

Message Edited by emoticon on 07-23-2008 06:39 PM

Re: How long does it take for Chase/First USA to process application

smallfry — Wed, 23 Jul 2008 23:16:12 GMT

Chase is a funny issuer. They might know right now but in most cases they will make you sweat the 3 weeks. Gotta luv 'em.

Re: How long does it take for Chase/First USA to process application

haulingthescoreup — Wed, 23 Jul 2008 23:59:46 GMT

@emoticon wrote:

I have no idea what the average processing time is, but it took them 21 days to process my app. It was torture. I called every day, too. They pulled EQ June 17, EX July 24, and EQ AGAIN on July 10. They gave me a low $5k CL. When I received my card, I spoke with a CSR to get a CLI, was denied; spoke with two more analysts and finally got it bumped to $15k. Their software was denying me the CLI and they manually over-rode it. The point is they can take forever, longer than anyone else I've ever dealt with. Good luck!

On a side-note: First post here. Hello everyone! :-D

Hello back atcha!

I guess I need to stop complaining about Chase. It took a little over a week before I found out. For the first four days that I called, they denied all knowledge of the application, despite the fact that I saw the hard inq on the day of application on my reports. They finally admitted that they knew that I really had applied, but they wouldn't tell me anything. On around day 8 or maybe a couple of days later, they grudgingly admitted that I'd been approved. It was a good long wait after that before the card came.

But once I had what I needed, they've been great! Good website, easy to find what I need, prompt crediting of payments. Maybe they feel that only the tough should survive to get a Chase card, sort of like surviving the three Chase questions of death.

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 00:13:15 GMT

I called the back door number the next day and was approved during the call. I think my message may have said 7-10 days though. I don't remember it being 30, but still, just call. I honestly think if I had not called it would have been a decline.

Message Edited by UpUpUp on 07-23-2008 08:13 PM

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 00:30:26 GMT

concord, my chase app pended for 24 long days until finally approved! I even called the back door # and they said still pending. Plan on waiting a while for your answer

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 01:42:56 GMT

please expect up to 30 days when they say 30 days they mean it! literally but u can call the app number and it will give u an update and u can speak to a CSr and they might be able to give u info after possibly a week!@ GL and im sure u got it with a freakin 700 score lol thts good just hold on i have a BP my score ws 682 at the time

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 02:20:12 GMT

I had the same experience as UpUpUp. I called the backdoor number the next day and was told I was declined. She went over my app, pulled a 2nd report and approved me for a credit line that matched my other credit lines.

I guess YMMV.....but it never hurts to call and in fact, it may even help, as it did in my situation.

Re: How long does it take for Chase/First USA to process application

sammyfire2001 — Thu, 24 Jul 2008 03:07:13 GMT

I was just approved for a chase platinum card. I called to ask about my debit card and the CSR told me that afterwards I had been preapproved for a 2500 CL platinum card. I applied in the morning and when I checked the status that night I had already been approved!

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 04:02:27 GMT

It took them about 2 weeks to get to me after I had forgotten to call them after applying and getting the 30 day message.

Re: How long does it take for Chase/First USA to process application

jaxstraw — Thu, 24 Jul 2008 09:34:45 GMT

Just checked my Chase Account page to monitor all my CC's. (I do it daily before work to make sure I'm either PIF or need to make a payment).

There was a new acct on my Chase Page !!!!!

I guess I was approved for the National Parks Visa w/ a CL of 3500.

My inq on TU was on 7/13, today being the 24th, makes it an 11 day wait.

11 days.

Now to see if they'll transfer the 5500cl from my Freedom over to the new card and close it out. I don't need another card and a cl of 9000 on the NPV would be sweet.

Jax

Re: How long does it take for Chase/First USA to process application

Anonymous — Thu, 24 Jul 2008 13:01:10 GMT

@jaxstraw wrote:
Just checked my Chase Account page to monitor all my CC's. (I do it daily before work to make sure I'm either PIF or need to make a payment).

There was a new acct on my Chase Page !!!!!

I guess I was approved for the National Parks Visa w/ a CL of 3500.

My inq on TU was on 7/13, today being the 24th, makes it an 11 day wait.

11 days.

Now to see if they'll transfer the 5500cl from my Freedom over to the new card and close it out. I don't need another card and a cl of 9000 on the NPV would be sweet.

Jax

Congrats jax!