topic Re: Chase application in Credit Cards

Chase application

keith021 — Thu, 07 Jan 2010 20:53:16 GMT

I applied for a Chase MasterCard (I don’t recall exactly which card it was) on December 18th and I never received a letter in the mail saying I was denied or anything. I actually forgot all about the application until today when I received a call from them requesting additional information. Due to the fraud alerts on my credit files, the rep. said additional information is required to process my application and then proceeded to ask me a series of 4 multiple choice questions. I answered all 4 questions successfully and was told my application will finish being processed and I should receive either a card or letter in the mail within 7-10 business days. I find it weird because I haven't heard from them since I applied. Could it be just another denial? Does Chase thoroughly review all applications? I'm use to getting a denial or approval within a day or two.

Thanks for the input.

Re: Chase application

keith021 — Fri, 08 Jan 2010 03:21:07 GMT

Bump

Re: Chase application

FICOADDICTED — Fri, 08 Jan 2010 04:33:36 GMT

Hi Keith021,

When I applied for a Chase United (Sept 09) it was not an instant because I have fraud alert on my credit files - I called the backdoor number Chase: 800-432-3117 (App status) but it always say that it's still in process until I got the letter with reference number then called (the number on the letter) in with the reference number answered some security questions the rep told me that they can go ahead and continue the app process. I called the 800 number above 10 minutes later I got the message said that I was approved. You may want to call the for your app status.

Good luck and let us know the outcome.

Re: Chase application

keith021 — Fri, 08 Jan 2010 05:24:16 GMT

@FICOADDICTED wrote:
Hi Keith021,
When I applied for a Chase United (Sept 09) it was not an instant because I have fraud alert on my credit files - I called the backdoor number Chase: 800-432-3117 (App status) but it always say that it's still in process until I got the letter with reference number then called (the number on the letter) in with the reference number answered some security questions the rep told me that they can go ahead and continue the app process. I called the 800 number above 10 minutes later I got the message said that I was approved. You may want to call the for your app status.
Good luck and let us know the outcome.

After I answered the verification questions, the rep. provided me with a reference number and told me it will be sent for a final review.

Re: Chase application

keith021 — Fri, 08 Jan 2010 16:21:25 GMT

Update: I just got off the phone with Chase, and they are requesting that I mail or fax in a copy of my social security card and proof of address. I'm about to fax this information to them right away. I just thought I would update you guys and gals on the application. I'm really hoping for an approval, but I will keep my fingers crossed in the meantime...

Re: Chase application

keith021 — Sat, 09 Jan 2010 06:06:49 GMT

I just thought about it, and now I remember which card I applied for. It was the: Chase +1SM Student MasterCard®. Does anyone have this card, if so what type of starting limit should I expect? I see this thread has gotten a lot of views, but few replies. Um...

All input is appreciated.

Re: Chase application

keith021 — Wed, 20 Jan 2010 20:55:13 GMT

Update: My application for the Chase +1SM Student MasterCard was finally approved today! CL: $1,000. I applied December 18th, and after several phone calls and proof of SSN and a copy of my driver's license I was finally approved. I see Chase takes their precious time to approve applications; ones with fraud alerts require additional processing as mine did. I'm stoked!

Re: Chase application

DI — Wed, 20 Jan 2010 20:57:03 GMT

Sometimes it can take up to a month before you hear from a creditor. Normally when it have taken several weeks they will call.

Re: Chase application

DI — Wed, 20 Jan 2010 20:57:48 GMT

@keith021 wrote:
Update: My application for the Chase +1SM Student MasterCard was finally approved today! CL: $1,000. I applied December 18th, and after several phone calls and proof of SSN and a copy of my driver's license I was finally approved. I see Chase takes their precious time to approve applications; ones with fraud alerts require additional processing as mine did. I'm stoked!

Congratulations!

Re: Chase application

keith021 — Wed, 20 Jan 2010 21:06:03 GMT

@DI wrote:
Sometimes it can take up to a month before you hear from a creditor. Normally when it have taken several weeks they will call.

Yeah, Chase did call a few weeks after I applied, I forgot all about the application until I received that phone call.

Re: Chase application

keith021 — Wed, 20 Jan 2010 21:07:07 GMT

@DI wrote:
@keith021 wrote:
Update: My application for the Chase +1SM Student MasterCard was finally approved today! CL: $1,000. I applied December 18th, and after several phone calls and proof of SSN and a copy of my driver's license I was finally approved. I see Chase takes their precious time to approve applications; ones with fraud alerts require additional processing as mine did. I'm stoked!
Congratulations!

Thanks! I forgot to add, this is my highest limit yet.

Re: Chase application

DI — Wed, 20 Jan 2010 21:07:55 GMT

How many cards do you have Keith?

Re: Chase application

Anonymous — Wed, 20 Jan 2010 21:14:28 GMT

Congrats OP! Chase is known for handing out large initial CL's but they are stingy with CLI's. They will pull your report if you call-in and ask for a CLI.

Re: Chase application

keith021 — Wed, 20 Jan 2010 21:15:26 GMT

@DI wrote:
How many cards do you have Keith?

Um...I have 7 now. I'll have two more once I receive my HSBC MasterCard and the Chase MasterCard. They'll make 4 store cards and 5 credit cards. I also have a Bacock and More in-store account: $2,000 limit.

Re: Chase application

keith021 — Wed, 20 Jan 2010 21:20:28 GMT

@Anonymous wrote:
Congrats OP! Chase is known for handing out large initial CL's but they are stingy with CLI's. They will pull your report if you call-in and ask for a CLI.

Thanks! I probably won't be requesting an increase anytime soon though, I'll just pray they don't reduce it! Lol

Re: Chase application

DI — Wed, 20 Jan 2010 21:22:31 GMT

@keith021 wrote:
@DI wrote:
How many cards do you have Keith?
Um...I have 7 now. I'll have two more once I receive my HSBC MasterCard and the Chase MasterCard. They'll make 4 store cards and 5 credit cards. I also have a Bacock and More in-store account: $2,000 limit.

Time to let your AAoA increase now.