topic Re: Chase Application status line in Credit Cards

Chase Application status line

Happychap — Wed, 24 Oct 2012 20:00:31 GMT

Is the automated system up-to-date? My card app has been in review for a week. Pretty sure it got declined because of the high number of INQ, but wondered if the app line tells you whether your declined or keeps you hanging until you get a letter

Re: Chase Application status line

mxp114 — Wed, 24 Oct 2012 20:01:38 GMT

Updated in real time in my experience.

Re: Chase Application status line

webhopper — Wed, 24 Oct 2012 20:03:06 GMT

@Happychap wrote:
Is the automated system up-to-date? My card app has been in review for a week. Pretty sure it got declined because of the high number of INQ, but wondered if the app line tells you whether your declined or keeps you hanging until you get a letter

Have you called the backdoor number?

I would call the backdoor number and ask kindly for them to review your application. Its likely that they need to talk to you or verify identity before moving forward.

Re: Chase Application status line

webhopper — Wed, 24 Oct 2012 20:04:34 GMT

Try these numbers:

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

Re: Chase Application status line

Anonymous — Wed, 24 Oct 2012 20:05:48 GMT

Yeah call the recon line... get your answer (and recon if necessary at the same time) quick!

Re: Chase Application status line

Happychap — Wed, 24 Oct 2012 20:18:13 GMT

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

Re: Chase Application status line

Anonymous — Wed, 24 Oct 2012 20:20:40 GMT

@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

90 inquries??????

Re: Chase Application status line

webhopper — Wed, 24 Oct 2012 20:21:41 GMT

@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Re: Chase Application status line

hedgeclipper2 — Wed, 24 Oct 2012 20:24:54 GMT

@Omaplatypus wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
90 inquries??????

My thoughts exactly, haha. Except ONLY BIGGER!

And here I am thinking the 16 I have on Experian is like THE BIGGEST NUMBER I HAVE EVER SEEN...lol.

Anywho, GL to the OP, Chase has always been nice to me on the phone for calling in before a decision was made.

Re: Chase Application status line

maiden_girl — Wed, 24 Oct 2012 20:38:57 GMT

@hedgeclipper2 wrote:
@Omaplatypus wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
90 inquries??????
My thoughts exactly, haha. Except ONLY BIGGER!

And here I am thinking the 16 I have on Experian is like THE BIGGEST NUMBER I HAVE EVER SEEN...lol.

Anywho, GL to the OP, Chase has always been nice to me on the phone for calling in before a decision was made.

And here I was freaking out about my 30 inquires...LMAO.

I'd call Chase direct and ask about the status if their system hasn't updated. In my experience...it'sbeen real time updates for the auto system.

Re: Chase Application status line

Happychap — Wed, 24 Oct 2012 20:41:35 GMT

@webhopper wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card. As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's. Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc.

I noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit. Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol) when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

Re: Chase Application status line

webhopper — Wed, 24 Oct 2012 20:58:29 GMT

@Happychap wrote:
@webhopper wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card. As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's. Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc.
I noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit. Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol) when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

When you call to recon, Explain these items in red to the analyst....

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

Re: Chase Application status line

Anonymous — Wed, 24 Oct 2012 21:04:44 GMT

@Happychap wrote:
@webhopper wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card. As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's. Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc.
I noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit. Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol) when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

If

If you get approved, I have hope and my leave the garden to get my Freedom. My situation is the same, but I only have around 16 (EQ) and 8 (TU/EX) inquries. I have been nervous since AMEX denied me a BCP for too many inquries. I'd like to have the Freedom for my "everything else" card until I get approved for the BCP. X my fingers for ya!!!

Re: Chase Application status line

Happychap — Wed, 24 Oct 2012 21:06:03 GMT

@webhopper wrote:
@Happychap wrote:
@webhopper wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card. As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's. Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc.
I noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit. Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol) when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

When you call to recon, Explain these items in red to the analyst....

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

Yes, I have thought about telling them that during a recon. BTW you have been app free since Oct 13th? that's an whole 11 days!!! its been 24 hrs for me and im getting the shakes already lol

Re: Chase Application status line

jsickz32 — Wed, 24 Oct 2012 21:14:50 GMT

@happychap
The shakes lol

Re: Chase Application status line

webhopper — Wed, 24 Oct 2012 21:27:03 GMT

@Happychap wrote:
@webhopper wrote:
@Happychap wrote:
@webhopper wrote:
@Happychap wrote:
Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-) I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree
You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card. As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's. Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc.
I noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit. Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol) when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

When you call to recon, Explain these items in red to the analyst....

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

Yes, I have thought about telling them that during a recon. BTW you have been app free since Oct 13th? that's an whole 11 days!!! its been 24 hrs for me and im getting the shakes already lol

yep. 11 days and counting.... My longest gardening spell was 4 months with no apps

I've been doing great things with the few apps that I've had in the last six months.

in the last six months I've had 1 HP on EX. 2 HP on EQ. 2 HP on TU

Re: Chase Application status line

CreditScholar — Thu, 25 Oct 2012 03:04:22 GMT

Their automated line has been fairly slow lately and I'm ont quite sure why.

When I applied in February for the Presidential Plus card, I was instantly approved. I called in and the system told me my CL within about 24 hours.

I applied for the J.P. Morgan Ritz Carlton card a couple of months ago, and was also instantly approved. However the same automated number couldn't tell me my CL until about 4-5 days later.