topic Re: chase 2 week message in Credit Cards

chase 2 week message

Anonymous — Sun, 08 Mar 2015 04:55:22 GMT

I applied for the british avios and got the "you'll hear of our decision in 2 weeks" or something similar. Have I been denied?

Re: chase 2 week message

mitchblue — Sun, 08 Mar 2015 05:03:04 GMT

@Anonymous wrote:
I applied for the british avios and got the "you'll hear of our decision in 2 weeks" or something similar. Have I been denied?

I don't know about that card but I've got several 7-10 day messages, 3 in total, and was approved for all.

Re: chase 2 week message

Anonymous — Sun, 08 Mar 2015 18:06:55 GMT

I just called chase credit analysts and they said my application has been moved to the verification team....

Re: chase 2 week message

CreditCuriosity — Sun, 08 Mar 2015 18:10:35 GMT

Verification team is an approval.. You will have to call them monday and you will be approved.. Congrats.

In theory it is already approved, they will ask you a few questions such as a previous address and dob and then put you on hold then give you the offical approval

Re: chase 2 week message

Anonymous — Sun, 08 Mar 2015 18:21:06 GMT

@CreditCuriousity wrote:
Verification team is an approval.. You will have to call them monday and you will be approved.. Congrats.

In theory it is already approved, they will ask you a few questions such as a previous address and dob and then put you on hold then give you the offical approval

oh really?! Thanks for your response! I've always either gotten immediate denial or approval, so this is nice to know.

Re: chase 2 week message

Anonymous — Sun, 08 Mar 2015 18:44:34 GMT

Not getting an instant approval isn't necessarily negative anymore. All it means is that they require a piece of information that the computer wasn't able to automatically get. This can be a verification of your address, income, identity or shifting available credit from one card to another.

I got a 7-10 message on my Citi Double Cash and freaked out because I thought I would get denied. In reality, they just wanted to know whether I wanted to shift $200 from my Simplicity to my DC or not.

Re: chase 2 week message

msbia — Sun, 08 Mar 2015 19:36:08 GMT

Yep approved! All of my cards except first Amazon Visa went through verification including the CSP that I verified on Thursday. No worries, just answer the questions correctly and enjoy your new card!

Re: chase 2 week message

msbia — Sun, 08 Mar 2015 19:39:21 GMT

@CreditCuriousity wrote:
Verification team is an approval.. You will have to call them monday and you will be approved.. Congrats.

In theory it is already approved, they will ask you a few questions such as a previous address and dob and then put you on hold then give you the offical approval

With my United Explorer and Marriott they required further verification after the questions. I had to fax in a copy of my driver's license and a utility bill. I didn't hear anything after that until the cards showed up either in my mailbox or in my online account. YMMV.

Re: chase 2 week message

Anonymous — Mon, 16 Mar 2015 21:23:46 GMT

How come chase needs to verify my identity on my application if I have the same address listed on my chase checkings and freedom account..? just curious

Re: chase 2 week message

newUser0 — Mon, 16 Mar 2015 21:34:35 GMT

That's because they want to make sure that you applied the card by yourself.

Some one else could also be applied on behalf of you.

Re: chase 2 week message

CreditCuriosity — Mon, 16 Mar 2015 21:40:20 GMT

havent caled them yet??

Re: chase 2 week message

Anonymous — Mon, 16 Mar 2015 22:45:58 GMT

@CreditCuriousity wrote:
havent caled them yet??

Called them and faxed them license, but they take forever to attach my fax to my application..

Re: chase 2 week message

CreditCuriosity — Mon, 16 Mar 2015 23:25:08 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
havent caled them yet??
Called them and faxed them license, but they take forever to attach my fax to my application..

ah ok

Re: chase 2 week message

onstar — Mon, 16 Mar 2015 23:48:55 GMT

I was on hold 3 times.

(1) Southwest. About a year ago. This was a verification hold which was done via phone. This was before I knew about myFICO or about the recon number. They called me about a week after I applied, I answered 3-4 questions, and I was approved for the card.

(2) Marriott. Last month. Read about it here. This was weird because my app was moved to another department, not the standard verification department. I called recon 3x, and each time they said that there was nothing they could do until it went through the 14 day process. Sure enough, about a week after I applied, I saw the Marriott card listed in my account online.

(3) IHG. Last week. I got the same response (as the Marriott) when I called recon. She said that it is in another department, and there was nothing she could do. I just had to wait it out. Her words were: "After the 14 day review, you will receive your card and the packet in the mail." There was no "if you are approved" to start the sentence. LOL. I guess I'm approved. I'm gonna keep checking my Chase online to see if the card shows up.