topic Re: Chase Sapphire - Recon question in Credit Cards

Chase Sapphire - Recon question

junior88 — Sun, 26 Jun 2011 18:25:13 GMT

I applied yesterday for this card. I called the recon line today and spoke to a very nice guy. He asked about the balance on my WFCC and LOC, I explained they were due to medical bills from recent surgeries but have been paid down. I have a CC with a $7000 CL, the balance was $6000, is now at $500, the LOC is secured for $9000, it was at $8500 and I have paid it down to $4000. He asked about recent inquiries I explained I had been out car shopping he said ok that was fair. He also asked about my income, employment dates, and what I was looking for. I just said $70000-$85000 depends on how much I make with my extra side job, main employer has been for 7 years, and also that I am just looking to get my foot in the door with Chase. I told him I didn't expect a large CL. He put me on hold for a while, came back and said he noted the balances had been for medical and that I have paid them down. He did say they are not updated on the CB yet, but he said he noted everything that he thought was needed for them to review in the final review area.

Anyone have any experience with this type of situation? My EQ was 729 as of 6/5/11. Just wondering if I have a shot, he said it could take 2 weeks but that they look at those pretty fast.

Think I will get a approved or not? I did just get a chase sapphire in a roundabout way through my fiance, I'm a AU on that with a nice CL. Those cards are cool as heck too! Will that even be taken into consideration?

Thanks!

Re: Chase Sapphire - Recon question

junior88 — Mon, 27 Jun 2011 00:03:01 GMT

Anyone??

Re: Chase Sapphire - Recon question

junior88 — Mon, 27 Jun 2011 18:33:01 GMT

Wow, I can't believe no one is responding. Anyway, forgot to say I was approved for a Discover this month with a $1500CL, also.

Re: Chase Sapphire - Recon question

Anonymous — Mon, 27 Jun 2011 20:45:15 GMT

I am surprised he did not tell you right away if the recon was sucessful, you may want to call back, most of the threads here with Chase people have been told right away on recon's

Re: Chase Sapphire - Recon question

RockinRay — Mon, 27 Jun 2011 20:46:47 GMT

I just did a recon for the Freedom last Friday. Found out right away - approved - after they asked some questions on my CR and had my verify my identity.

I would call them back.

Ray

Re: Chase Sapphire - Recon question

junior88 — Mon, 27 Jun 2011 21:32:17 GMT

I did call for an update earlier today and she said I should have a decision very soon. I am calling the 888 609 7805 number instead of the other 888 245 0625. Should I maybe call that one instead??

Re: Chase Sapphire - Recon question

Anonymous — Mon, 27 Jun 2011 21:37:23 GMT

I belive you should be calling : 888-245-0625

Re: Chase Sapphire - Recon question

junior88 — Mon, 27 Jun 2011 22:15:24 GMT

Ok so I just called the other number and they said it is in a "pending" status. It has to go through the verification process and then final review. She said no decision was made at this time. I asked if there was anything they needed from me at this time and she said no.

So, now what do you guys think? I believe there is no decision, just wandering why it is taking so long to go through a recon.....

Re: Chase Sapphire - Recon question

junior88 — Tue, 28 Jun 2011 13:31:47 GMT

bump

Re: Chase Sapphire - Recon question

ficonightmare — Tue, 28 Jun 2011 13:39:12 GMT

I'm not sure what the requirements for their Sapphire card are, but have a feeling it's higher than their Freedom or Slate.

Based on your scores alone, I don't think you'd qualify. However, I've been known to be wrong (lotsa times)

Good luck

Re: Chase Sapphire - Recon question

Anonymous — Tue, 28 Jun 2011 13:36:07 GMT

If I were to take a stab-in-the-dark guess, I'd say they're waiting to see the update to that credit card balance. That's not based on experience, just on a gut feeling based on the situation.

Re: Chase Sapphire - Recon question

Anonymous — Tue, 28 Jun 2011 13:36:19 GMT

That's strange, since when i went for my Freedom account and called for a recon, they were able to do it right away. Let us know how it goes! If you do get the card, you will love it! I already love mine!

Re: Chase Sapphire - Recon question

junior88 — Tue, 28 Jun 2011 14:07:35 GMT

My Eq fico score is 729 now, actually.

I would normally agree that they are waiting to see the update on the cbr but they said it should be done today and we all know it will not be updated on the cbr's by today. I have a Sapphire already that I'm a AU on. That card is just cool to look at and touch! The other day a clerk said we only take visa/mastercard, I flipped the card over and she said oh, never seen anything like this before.

I'll try and call later on today to see what's going on.

Re: Chase Sapphire - Recon question

junior88 — Tue, 28 Jun 2011 20:18:29 GMT

Today's update: Nothing really, called in and they said its still in a pending status.

Re: Chase Sapphire - Recon question

junior88 — Wed, 29 Jun 2011 21:47:28 GMT

Called today again for a status and they seriously can't tell me anything. It's in a manual review/pending status. I asked why it wasn't decisioned right away when I asked for a recon and he said at times they go into this status. Crazy, I'm just assuming its a no.

Re: Chase Sapphire - Recon question

hedgeclipper2 — Wed, 29 Jun 2011 21:48:30 GMT

That sucks that it is taking that long.

I plan on applying for the Sapphire Preferred in September this year. I hope they still have the $500 promotion then. *crosses fingers*

Re: Chase Sapphire - Recon question

junior88 — Wed, 29 Jun 2011 21:49:57 GMT

Good luck to you! Hope it works out for ya. I do not want to push my luck with them but I swear everyone else gets a approval or denial right away on the call when they ask for a recon.

Re: Chase Sapphire - Recon question

hedgeclipper2 — Wed, 29 Jun 2011 21:52:17 GMT

@junior88 wrote:
Good luck to you! Hope it works out for ya. I do not want to push my luck with them but I swear everyone else gets a approval or denial right away on the call when they ask for a recon.

Not necessarily. I applied for the Continental card like 3 months ago when they were having the 50k mile promotion (since I just got the 50k promotion from United so I could combine the programs for 100k miles). And after a week, I called, and they kept saying processing, and to wait, and I called every day for a week and they kept saying the same thing. Then one day I got a letter in the mail saying they denied me for having too many accounts with balances (I don't pay off before statements generate, too much hassle for me lol). I just gave up, didn't care anymore lol.

SO, there is hope for you, sometimes they DO take that long to decide.

Re: Chase Sapphire - Recon question

junior88 — Wed, 29 Jun 2011 22:03:46 GMT

I just think the card is cool looking...that's all! I hope they take into consideration that my balances have went down from my last CBR they pulled. Who knows, I guess it doesn't matter. I have a sapphire card as a AU if all else fails! Just awesome to look at!

Re: Chase Sapphire - Recon question

hedgeclipper2 — Wed, 29 Jun 2011 22:06:53 GMT

Do you personally have any current or past accounts with Chase? I know that helps ALOT, I was told that by a rep when I got my United card when they were verifying my employment when I applied for that one.

Edit to add: When I applied for my United card I had with Chase: a mortgage, a Chase Freedom card, checking account, savings account, and old paid auto loan from 2007, and an old (closed by me) perfect history Freedom Plus card from 2007.