topic Re: Approved for CSP, app for Freedom ignored? in Credit Cards

Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 16:16:28 GMT

Hey gang,

I apped for the csp as well as the freedom last week and got the 7-10 message. Today, I checked status and found out I was approved. I called up the CSR and found out I had been approved for the CSR, I guess the freedom app had been ignored?

I wouldn't mind having the freedom as well. If I call them back, or apply again, will it still use the same HP they used to give me the CSP, or will I incur another HP?

Any thoughts on this?

Thanks!

Re: Approved for CSP, app for Freedom ignored?

Imperfectfuture — Thu, 07 Jan 2016 17:35:46 GMT

What does the app status line say for freedom?

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 18:19:50 GMT

I don't know how to call and check it separately. Is there a different phone line for freedom vs csp?

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 19:22:52 GMT

To clarify, I called the status line #s i had (800-432-3117 and 800-436-7927) and both were the same, it just tells me I was approved and tells me my CAL amount and says to talk to a representative press 1. No further information, and that info is only related to the CSP.

When I applied for the freedom originally, it was like 3 minutes after applying for the CSP and it gave the "application pending" message in the browser, at the time.

Re: Approved for CSP, app for Freedom ignored?

CreditCuriosity — Thu, 07 Jan 2016 19:58:49 GMT

Personally I would wait it out... It might just surprise you and arrive in a few weeks or show up online on your account... Since you got the CSP I hope you get the Fredom as well as they are meant to work together. Sometimes the phone system is weird and only mention one card and not mention the other one or sometimes if you apply for only one mention the app and have a blank message. Calling and speaking with sometimes puts you more under a microscope in my opinion vs. letting the process just plays itself out. They have your application and the system is processing it, give it some time, you might be surprised. I am a very impatient person, but everytime I have called Chase it has turned out bad, everytime I have waited it has yielded fruits.

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 20:54:23 GMT

huh, interesting.

I guess the only reason I thought i'd call and ask is because if they just forgot about the applicatino or it didn't take for some reason, I'd like to have the card analyzed by the last pull and if it takes another 2 weeks, they may not use that HP any more.

Is there any chance they would disallow the CSP at this point?

I find it weird that I can't even find out the status of my freedom

Re: Approved for CSP, app for Freedom ignored?

CreditCuriosity — Thu, 07 Jan 2016 21:38:09 GMT

@mccallb wrote:
huh, interesting.

I guess the only reason I thought i'd call and ask is because if they just forgot about the applicatino or it didn't take for some reason, I'd like to have the card analyzed by the last pull and if it takes another 2 weeks, they may not use that HP any more.

Is there any chance they would disallow the CSP at this point?

I find it weird that I can't even find out the status of my freedom

Your CSP is approved you are good to go... Congrats on that... I am sure if you called and spoke to someone they would find it just fine, I just advise not to is all as sometimes they will want to transfer you to lending and for most that usually doesn't end well meaning your CSP would be fine, but they might be more inclined to decline the Freedom depending on other applications / account you might have recently and they might use the excuse we want to see how you do with the CSP first before approving your for more credit with Chase or something along those lines. Just alot of evidence on this forum and others to let it ride out in the system.. They already have pulled your credit at least once for the CSP approval and probably agains for the Freedom applicaiton and it won't be pulled again. Their phone system is just weird as I have applied for the freedom before for example and the message was just blank and it was an approval, so this certainly could be the case. It could be pending verification or could be a denial. Me personally I would wait it out, but if you are dieing to know, you can obviously call the number and ask for an update on it, just be prepared to talk to lender and an UW about your credit.

Re: Approved for CSP, app for Freedom ignored?

lg8302ch — Thu, 07 Jan 2016 21:51:22 GMT

Congrats on your CSP approval. I would sit it out and wait a bit longer for Freedom results. If it did take the app normally (no error or weird behaviour) you should be either getting the card or a letter. If you do not get either one within the next 14 days then I would call and find out what happend. It could be that different teams work on different cards and therefore Freedom a bit slower in processing. But do not submit a new app at this stage.

Good luck !

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 22:05:11 GMT

I don't know that I got a weird message when I applied for the freedom. Just a popup window that said something about "Pending status application"

Ok, as much as it pains me to wait, I will do just that.

I did get a good SL for CSP i think, $16,000. So I imagine they probably like me just fine. If I get my CSP next week, and still no information on the freedom, I guess I'll call. I just definitely do not want to incur another HP at this point for another card.

Thanks all!

Re: Approved for CSP, app for Freedom ignored?

lg8302ch — Thu, 07 Jan 2016 22:14:35 GMT

@mccallb wrote:
I don't know that I got a weird message when I applied for the freedom. Just a popup window that said something about "Pending status application"

Ok, as much as it pains me to wait, I will do just that.

I did get a good SL for CSP i think, $16,000. So I imagine they probably like me just fine. If I get my CSP next week, and still no information on the freedom, I guess I'll call. I just definitely do not want to incur another HP at this point for another card.

Thanks all!

I am with you...know exactly how you feel ... just been through this with my Fidelity app and Elan Financial. Tried to call status line and it wanted to connect to a live rep so I did hang up again and waited. With US Bank I had success waiting and the same with Elan today.

Re: Approved for CSP, app for Freedom ignored?

Anonymous — Thu, 07 Jan 2016 22:19:28 GMT

@mccallb wrote:
I don't know that I got a weird message when I applied for the freedom. Just a popup window that said something about "Pending status application"

Ok, as much as it pains me to wait, I will do just that.

I did get a good SL for CSP i think, $16,000. So I imagine they probably like me just fine. If I get my CSP next week, and still no information on the freedom, I guess I'll call. I just definitely do not want to incur another HP at this point for another card.

Thanks all!

Um yeah... I don't know what you other cards, salary or credit limit look like but I'd say that's a darned good CL for CSP. Do you use Credit Karma or any other score watch software? You should have gotten the inquiry by now. While I have heard of people getting one inquiry I got two when I apped for my freedom and my CSP.

Re: Approved for CSP, app for Freedom ignored?

boober — Thu, 07 Jan 2016 22:47:22 GMT

Congrats on your approval for the one card at least!

How's your credit look overall? I'm thinking of applying for the CSP and the Freedom in a few weeks and wondering how others compare to get an idea if I have a shot.

Thanks!

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 23:14:33 GMT

Ficos are all in the 720 range. Sal is 150K. I think the fact that I have < 20% util and 300K house, 70K car and 20K car loans help bolster "proof" of income. Just speculation of course.

With my 9K Amex BCE and the 16K csp i'll be under 9% util

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 23:15:31 GMT

I use CK and I monitor 24/7 exp. I only saw the one Inquiry from Chase, so possibly it never actually took the app for freedom?

Also, thanks about the CSP SL. I was really happy with it!

Re: Approved for CSP, app for Freedom ignored?

CreditCuriosity — Thu, 07 Jan 2016 23:34:30 GMT

@mccallb wrote:
I use CK and I monitor 24/7 exp. I only saw the one Inquiry from Chase, so possibly it never actually took the app for freedom?

Also, thanks about the CSP SL. I was really happy with it!

Oh I gurantee you you it took the app for the freedom(especially if you said you got the confirmation message) it either used the same HP or CK(only does TU/Exp Fakos) doesn't monitor Exp and they could of possibly pulled that. If you use CK for monitoring.

Re: Approved for CSP, app for Freedom ignored?

mccallb — Thu, 07 Jan 2016 23:50:32 GMT

My apologies.

I have CK for monitoring TU and Equifax, and I am a paid member with experian to monitor them 24/7. I saw a single inquiry on equifax and experian from chase.

Re: Approved for CSP, app for Freedom ignored?

CreditCuriosity — Fri, 08 Jan 2016 00:02:53 GMT

@mccallb wrote:
My apologies.

I have CK for monitoring TU and Equifax, and I am a paid member with experian to monitor them 24/7. I saw a single inquiry on equifax and experian from chase.

Thanks for clarifying you can be rest assured they got the pull for the Freedom card.. You either got double pulled for the CSP approval or a single pull for the CSP and a single pull for the freedom. Regardless those are the only pulls you will have and you will hear something back on the freedom soon enough if you can hold back.

Re: Approved for CSP, app for Freedom ignored?

Imperfectfuture — Fri, 08 Jan 2016 00:03:14 GMT

@lg8302ch wrote:
@mccallb wrote:
I don't know that I got a weird message when I applied for the freedom. Just a popup window that said something about "Pending status application"

Ok, as much as it pains me to wait, I will do just that.

I did get a good SL for CSP i think, $16,000. So I imagine they probably like me just fine. If I get my CSP next week, and still no information on the freedom, I guess I'll call. I just definitely do not want to incur another HP at this point for another card.

Thanks all!
I am with you...know exactly how you feel ... just been through this with my Fidelity app and Elan Financial. Tried to call status line and it wanted to connect to a live rep so I did hang up again and waited. With US Bank I had success waiting and the same with Elan today.

Congrats, nice interest rate, though the SL seems low for you, but it is related to US bank.

Re: Approved for CSP, app for Freedom ignored?

mccallb — Fri, 08 Jan 2016 00:03:50 GMT

Fair enough. I will just wait

On the plus side, got a rockin' csp on its way to me!

thanks again!

Re: Approved for CSP, app for Freedom ignored?

myjourney — Fri, 08 Jan 2016 01:34:29 GMT

@mccallb wrote:
Hey gang,

I apped for the csp as well as the freedom last week and got the 7-10 message. Today, I checked status and found out I was approved. I called up the CSR and found out I had been approved for the CSR, I guess the freedom app had been ignored?

I wouldn't mind having the freedom as well. If I call them back, or apply again, will it still use the same HP they used to give me the CSP, or will I incur another HP?

Any thoughts on this?

Thanks!

Something to consider:

I know for a fact Chase has a glitch in there system for whatever reason..(shrugs)

I applied for 2 cards within seconds of each other and both gave me the 30 day message but the 2nd app never showed up via phone lady which I thought strange...Hmmm

So I called sure enough my 1st app was visible but the second wasn't. The system didn't pick it up for some reason .....so I was instructed by UW if I wanted it to reapply

Which I did and it then showed up within seconds....