topic Re: New Chase Account in Credit Cards

New Chase Account

DI — Tue, 12 Apr 2011 21:06:12 GMT

When are new Chase accounts reported to the CRAs? Do they backdate?

Re: New Chase Account

hedgeclipper2 — Tue, 12 Apr 2011 21:21:22 GMT

Reported after 1st statement generates.

I wish they backdated, not for me though.

Re: New Chase Account

DI — Tue, 12 Apr 2011 21:41:44 GMT

@jthedges wrote:
Reported after 1st statement generates.

I wish they backdated, not for me though.

Thanks! I'll see if they can start backdating if they do not.

Re: New Chase Account

hedgeclipper2 — Tue, 12 Apr 2011 21:50:17 GMT

If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.

Re: New Chase Account

DI — Tue, 12 Apr 2011 22:10:47 GMT

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.

It may take some time if they don't do backdating. I'm sure there's going to be some resistance initially. I'll have to send a few letters to the right people. In the meantime, I'm still waiting to receive my card.

Re: New Chase Account

Anonymous — Tue, 12 Apr 2011 23:35:16 GMT

Received my card 5 days after I was approved an yes the card reported a week later when my first statement cut.

Re: New Chase Account

DI — Tue, 12 Apr 2011 23:49:53 GMT

@Anonymous wrote:
Received my card 5 days after I was approved an yes the card reported a week later when my first statement cut.

I'm sure mines is here by now. I just haven't check my P.O. Box yet since I have to drive to a different city. I'll pick it up Friday.

Re: New Chase Account

Anonymous — Wed, 13 Apr 2011 01:42:59 GMT

When did you find out your cl? Instantly or when you received your card? I got instantly approved yesterday for a chase card, but don't really know much about my account.

Re: New Chase Account

smallfry — Wed, 13 Apr 2011 02:17:23 GMT

Chase won't backdate. They don't even offer me a luv button anymore.

Re: New Chase Account

vish1 — Wed, 13 Apr 2011 03:41:22 GMT

@Anonymous wrote:
When did you find out your cl? Instantly or when you received your card? I got instantly approved yesterday for a chase card, but don't really know much about my account.

If you call their automated app status number, they will keep telling you under process for 3-4 days, after that it will change to approved and will tell you your CL.

Re: New Chase Account

Anonymous — Wed, 13 Apr 2011 03:50:23 GMT

Thanks. I called and the system gave me the info, approved for $1500 at 17.xx%

Re: New Chase Account

jefftca925 — Wed, 13 Apr 2011 04:34:48 GMT

@DI wrote:

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.
It may take some time if they don't do backdating. I'm sure there's going to be some resistance initially. I'll have to send a few letters to the right people. In the meantime, I'm still waiting to receive my card.

They do NOT backdate accounts and you'll be wasting your time trying to get them to do something they don't do. They are VERY rigid and at times can be difficult to deal with. I stay under the radar as much as I can as they are notorious for cutting people off and not thinking twice about it. You really do not want to bring negative attention to yourself as it might come back to bite you in the end. I'd concentrate my energies on issuers with more liberal business practices if you want generous CLI and the like. Chase is just not one of them. Tread lightly and they'll treat you well. I, myself, have a number of accounts with them as I like their products and feel they've treated me very good considering.

Just my two cents and you can take it for what it's worth but, honestly, who needs the aggravation.

Re: New Chase Account

DI — Wed, 13 Apr 2011 04:49:18 GMT

@jefftca925 wrote:

@DI wrote:

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.
It may take some time if they don't do backdating. I'm sure there's going to be some resistance initially. I'll have to send a few letters to the right people. In the meantime, I'm still waiting to receive my card.

They do NOT backdate accounts and you'll be wasting your time trying to get them to do something they don't do. They are VERY rigid and at times can be difficult to deal with. I stay under the radar as much as I can as they are notorious for cutting people off and not thinking twice about it. You really do not want to bring negative attention to yourself as it might come back to bite you in the end. I'd concentrate my energies on issuers with more liberal business practices if you want generous CLI and the like. Chase is just not one of them. Tread lightly and they'll treat you well. I, myself, have a number of accounts with them as I like their products and feel they've treated me very good considering.

Just my two cents and you can take it for what it's worth but, honestly, who needs the aggravation.

I've heard those same type of comments about the Kroger 123 situation. And in the end, I got the dates changed back to the original opening dates. So, we'll see. Plus, I don't owe Chase anything. So, there's nothing to be affraid of. I do not live my life for or around Chase.

Re: New Chase Account

jefftca925 — Wed, 13 Apr 2011 06:24:57 GMT

@DI wrote:

@jefftca925 wrote:

@DI wrote:

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.
It may take some time if they don't do backdating. I'm sure there's going to be some resistance initially. I'll have to send a few letters to the right people. In the meantime, I'm still waiting to receive my card.

They do NOT backdate accounts and you'll be wasting your time trying to get them to do something they don't do. They are VERY rigid and at times can be difficult to deal with. I stay under the radar as much as I can as they are notorious for cutting people off and not thinking twice about it. You really do not want to bring negative attention to yourself as it might come back to bite you in the end. I'd concentrate my energies on issuers with more liberal business practices if you want generous CLI and the like. Chase is just not one of them. Tread lightly and they'll treat you well. I, myself, have a number of accounts with them as I like their products and feel they've treated me very good considering.

Just my two cents and you can take it for what it's worth but, honestly, who needs the aggravation.
I've heard those same type of comments about the Kroger 123 situation. And in the end, I got the dates changed back to the original opening dates. So, we'll see. Plus, I don't owe Chase anything. So, there's nothing to be affraid of. I do not live my life for or around Chase.

The situation regarding Kroger and US Bank is different from what you are trying to get from Chase. If this was a new app for a new card then you're barking up the wrong tree. But if you have nothing to fear and feel that it's worth all of the letter writing, then do it. But I'm curious... why do you think Chase should backdate your card for you?

Re: New Chase Account

DI — Wed, 13 Apr 2011 12:06:26 GMT

Now, I understand what it means to be a "naysayer." Nothing is wrong with trying.

Re: New Chase Account

DI — Thu, 14 Apr 2011 00:36:44 GMT

If I added my brother as an AU, will the Chase account show on his credit reports? When I added him via Chase's website, I wasn't asked for the SSN.

Re: New Chase Account

DI — Thu, 14 Apr 2011 14:48:05 GMT

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.

Get that coffin ready. But get my gift basket first! I am in talks with Chase about the backdating issue. Right now, they're talking about upholding the integrity of the credit reporting system. I figured they would say that. I wonder how bad they would like to beat American Express in the J.D. Power and Associate study.

Re: New Chase Account

smallfry — Thu, 14 Apr 2011 20:21:41 GMT

@jefftca925 wrote:

@DI wrote:

@jthedges wrote:
If they will backdate I would die! But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen.
It may take some time if they don't do backdating. I'm sure there's going to be some resistance initially. I'll have to send a few letters to the right people. In the meantime, I'm still waiting to receive my card.

They do NOT backdate accounts and you'll be wasting your time trying to get them to do something they don't do. They are VERY rigid and at times can be difficult to deal with. I stay under the radar as much as I can as they are notorious for cutting people off and not thinking twice about it. You really do not want to bring negative attention to yourself as it might come back to bite you in the end. I'd concentrate my energies on issuers with more liberal business practices if you want generous CLI and the like. Chase is just not one of them. Tread lightly and they'll treat you well. I, myself, have a number of accounts with them as I like their products and feel they've treated me very good considering.

Just my two cents and you can take it for what it's worth but, honestly, who needs the aggravation.

Agree 100%. I was lucky enoug to get a starting limit with them 4 years ago with a 7 yo BK7 still showing. I got a 5K increase to 10K the next year like almost 3 years ago. I just don't want to mess with them and in my circumstances taking another EX hard inq for 5-10K at most just doesn't make any sense. They are just OK I consider them a prime lender along with AmEx and Citi but they are nothing special. I stay under their radar use the card every 2 months and have no problems.

Re: New Chase Account

smallfry — Thu, 14 Apr 2011 20:23:25 GMT

Chase doesn't backdate the only one I have ever heard of badkdating is AmEx and to be honest the practice is not right. Another blatant abuse of the credit system.

Re: New Chase Account

DI — Thu, 14 Apr 2011 20:33:19 GMT