topic Re: Chase recon ? in Credit Cards

Chase recon... APPROVED!!!

bichonmom — Thu, 05 Apr 2012 17:07:41 GMT

When you call for a recon with Chase, what kind of things did they ask? Is it like recon w/Barclays?

The automated msg still says they'll send their answer within 2 weeks, which really does sound like a denial. I've never been denied a CC and had a message say, "you're denied." They always say, we're sending you the answer in the mail. I am having deep regret for my late-night app.

For people who've been able to turn a denial into an approval, what did it take? Any suggestions?

Thanks!

Re: Chase recon ?

LS2982 — Thu, 05 Apr 2012 16:22:25 GMT

@bichonmom wrote:
When you call for a recon with Chase, what kind of things did they ask? Is it like recon w/Barclays?

The automated msg still says they'll send their answer within 2 weeks, which really does sound like a denial. I've never been denied a CC and had a message say, "you're denied." They always say, we're sending you the answer in the mail. I am having deep regret for my late-night app.

For people who've been able to turn a denial into an approval, what did it take? Any suggestions?

Thanks!

They're going to ask yo uabout whatever issues they have with your CR, be prepared to answer for any derogs or negative info. on your report. Chase likes to see good history and if you have a thin file its hard to recon. Are you calling to speak to an analyst today?

Re: Chase recon ?

bichonmom — Thu, 05 Apr 2012 16:31:02 GMT

There are no negs. Just what is still a thin file. I've read about someone being denied (even on recon) because of 2 inq.! It seems like they just make their decision and stick with it.

Re: Chase recon ?

bichonmom — Thu, 05 Apr 2012 16:46:16 GMT

Do most people recon right away, or wait until they get the letter w/reasons for denial?

Re: Chase recon ?

tcbofade — Thu, 05 Apr 2012 16:47:13 GMT

@bichonmom wrote:
Do most people recon right away, or wait until they get the letter w/reasons for denial?

I waited until I got the letter...I was denied for inq's...they asked, I explained....

...and they still denied me for too many inq's...

Re: Chase recon ?

bichonmom — Thu, 05 Apr 2012 16:48:13 GMT

@tcbofade wrote:
@bichonmom wrote:
Do most people recon right away, or wait until they get the letter w/reasons for denial?

I waited until I got the letter...I was denied for inq's...they asked, I explained....

...and they still denied me for too many inq's...

I should have read more Chase posts before I apped.

Re: Chase recon ?

tcbofade — Thu, 05 Apr 2012 16:51:31 GMT

@bichonmom wrote:
@tcbofade wrote:
@bichonmom wrote:
Do most people recon right away, or wait until they get the letter w/reasons for denial?

I waited until I got the letter...I was denied for inq's...they asked, I explained....

...and they still denied me for too many inq's...

I should have read more Chase posts before I apped.

OK, but I had 493 of them... (or something to that affect...)

Do you KNOW that you were denied because of inq's?

Re: Chase recon ?

Anonymous — Thu, 05 Apr 2012 16:54:48 GMT

With Chase, they like to see two (2) full years of credit history with all your other creditors before they will let you get your foot in the door. At least, that is what the clerk at our local Chase bank told us. Of course, I have read of lots of people here who said they were able to get in with a short credit history but, they also got $500 toy credit limits.

Re: Chase recon ?

bichonmom — Thu, 05 Apr 2012 17:00:01 GMT

@Anonymous wrote:
With Chase, they like to see two (2) full years of credit history with all your other creditors before they will let you get your foot in the door. At least, that is what the clerk at our local Chase bank told us. Of course, I have read of lots of people here who said they were able to get in with a short credit history but, they also got $500 toy credit limits.

Well, I have 2 yrs+, but not with any one TL. I had secured loans for 1 year, then PIF and closed (before I knew better). My oldest CC is 1 yr old. My Amex are backdated, but they don't show years of history. I think all that does is increase your AAoA, which raises your FICO. But it doesn't give the years of history. So, that may be the reason. I guess I should have done more research. I was so frustrated w/Navy, that I impuslively apped when I saw that great Chase offer.

Re: Chase recon ?

Anonymous — Thu, 05 Apr 2012 17:09:36 GMT

Congrats, right? lol The title says one thing, the entire thread says something else.

Re: Chase recon... APPROVED!!!

bichonmom — Thu, 05 Apr 2012 17:10:54 GMT

I finally decided to just call the backdoor sticky. (Thank goodness for this forum, or else I'd never know about these things!) I spoke w/a nice woman who said that my app was pending. She put me on hold to review it, and came back a few minutes later and I fully expected her to say, "at this time we can't approve you." But she said, I was approved for $3k! Thank goodness! I am SO relieved that I didn't waste an inq. And at least now I'm out of the $2k CLs.

Re: Chase recon ?

Eschaton — Thu, 05 Apr 2012 17:20:41 GMT

Nevermind my post, congrats on your card!

Re: Chase recon ?

MsLadyRover — Thu, 05 Apr 2012 17:12:39 GMT

OK, but I had 493 of them... (or something to that affect...)

Do you KNOW that you were denied because of inq's?

Hold on...did you say you had 493 inquiries??? Or did I mis-read something?

Re: Chase recon... APPROVED!!!

MsLadyRover — Thu, 05 Apr 2012 17:14:13 GMT

@bichonmom wrote:
I finally decided to just call the backdoor sticky. (Thank goodness for this forum, or else I'd never know about these things!) I spoke w/a nice woman who said that my app was pending. She put me on hold to review it, and came back a few minutes later and I fully expected her to say, "at this time we can't approve you." But she said, I was approved for $3k! Thank goodness! I am SO relieved that I didn't waste an inq. And at least now I'm out of the $2k CLs.

CONGRATULATIONS!!!

Re: Chase recon ?

bichonmom — Thu, 05 Apr 2012 17:14:54 GMT

@MsLadyRover wrote:

OK, but I had 493 of them... (or something to that affect...)

Do you KNOW that you were denied because of inq's?
Hold on...did you say you had 493 inquiries??? Or did I mis-read something?

I'm thinking he's being hyperbolic, but then you never know here, huh?

Re: Chase recon... APPROVED!!!

bichonmom — Thu, 05 Apr 2012 17:15:36 GMT

@MsLadyRover wrote:
@bichonmom wrote:
I finally decided to just call the backdoor sticky. (Thank goodness for this forum, or else I'd never know about these things!) I spoke w/a nice woman who said that my app was pending. She put me on hold to review it, and came back a few minutes later and I fully expected her to say, "at this time we can't approve you." But she said, I was approved for $3k! Thank goodness! I am SO relieved that I didn't waste an inq. And at least now I'm out of the $2k CLs.
CONGRATULATIONS!!!

Thanks! It was a nail-biter, that's for sure.

Re: Chase recon... APPROVED!!!

Anonymous — Thu, 05 Apr 2012 17:16:49 GMT

So I guess you're getting a nice, free $350, right?

Re: Chase recon... APPROVED!!!

MsLadyRover — Thu, 05 Apr 2012 17:17:28 GMT

@bichonmom wrote:
@MsLadyRover wrote:
@bichonmom wrote:
I finally decided to just call the backdoor sticky. (Thank goodness for this forum, or else I'd never know about these things!) I spoke w/a nice woman who said that my app was pending. She put me on hold to review it, and came back a few minutes later and I fully expected her to say, "at this time we can't approve you." But she said, I was approved for $3k! Thank goodness! I am SO relieved that I didn't waste an inq. And at least now I'm out of the $2k CLs.
CONGRATULATIONS!!!
Thanks! It was a nail-biter, that's for sure.

I'm sure it was. We were cheering for you though!

Re: Chase recon... APPROVED!!!

bichonmom — Thu, 05 Apr 2012 17:24:42 GMT

@Anonymous wrote:
So I guess you're getting a nice, free $350, right?

I hope so. Actually, I'm not sure because when I re-read the terms, it said it's only for new cardmembers, and I did have an acct back in the 80s. So, I guess I'll just have to wait and see. I did jump on it because of the great offer. But even if I don't get the $350, I'm still really happy to have the card again. I didn't think I could ever get a Chase card again.

Re: Chase recon ?

tcbofade — Thu, 05 Apr 2012 17:38:04 GMT

@bichonmom wrote:
@MsLadyRover wrote:

OK, but I had 493 of them... (or something to that affect...)

Do you KNOW that you were denied because of inq's?
Hold on...did you say you had 493 inquiries??? Or did I mis-read something?
I'm thinking he's being hyperbolic, but then you never know here, huh?

I was certainly exaggerating...but I've got lots of inquiries...

Congrats on the approval!!!!