topic Re: Dang it! in Credit Cards

Dang it!

SpecFile — Sun, 19 Aug 2007 05:42:16 GMT

Just applied for the Chase Southwest Airlines Rapid Rewards Visa and got the "we are reviewing your application and you will receive a written notice within 30 days as required by law" response.

That sucks if I get declined. I was just approved two weeks ago for the AMEX Gold Delta SM card 2k CL. I don't have any other credit cards and the Chase is the only other card I have applied for.

Anyone have experience with this card?

Re: Dang it!

Tuscani — Sun, 19 Aug 2007 06:33:40 GMT

Don't fret. Chase approvals are rarely instant. Call them in 7-10 days.

Re: Dang it!

SpecFile — Sun, 19 Aug 2007 14:38:56 GMT

Thank you Tuscani. I will do that.

Re: Dang it!

Anonymous — Sun, 19 Aug 2007 14:53:28 GMT

I got that message when I applied for my Chase card and was just waiting to get the denial reason. Was pleasantly surprised a little over a week later with a card in the mail.

Re: Dang it!

Anonymous — Sun, 19 Aug 2007 15:13:49 GMT

I got declined with 624 EX pull but they also pulled TU and seen that my disputes had not gone thru

otherwise I probably would have been approved.

Re: Dang it!

SpecFile — Sun, 19 Aug 2007 15:40:13 GMT

HouseHunter wrote:
I got that message when I applied for my Chase card and was just waiting to get the denial reason. Was pleasantly surprised a little over a week later with a card in the mail.

Thanks HH. I will hope for the best.

Re: Dang it!

SpecFile — Sun, 19 Aug 2007 15:41:36 GMT

Tmleverage wrote:
I got declined with 624 EX pull but they also pulled TU and seen that my disputes had not gone thru
otherwise I probably would have been approved.

EX-647

TU-682

When I applied.

Re: Dang it!

Anonymous — Sun, 19 Aug 2007 17:34:23 GMT

SpecFile wrote:

Tmleverage wrote:
I got declined with 624 EX pull but they also pulled TU and seen that my disputes had not gone thru
otherwise I probably would have been approved.

EX-647
TU-682

When I applied.

You are fine I would suppose, my TU was 585 and 4 days later went to 615...

Bad timing on my part...

Re: Dang it!

SpecFile — Sun, 19 Aug 2007 17:44:35 GMT

Tmleverage wrote:

SpecFile wrote:

Tmleverage wrote:
I got declined with 624 EX pull but they also pulled TU and seen that my disputes had not gone thru
otherwise I probably would have been approved.

EX-647
TU-682

When I applied.

You are fine I would suppose, my TU was 585 and 4 days later went to 615...
Bad timing on my part...

Thanks for the response Tm.

Re: Dang it!

SpecFile — Sat, 25 Aug 2007 15:58:20 GMT

Well, it's been 7 days for this app so I thought I would call. I got the automated message that said I would be informed by mail of their decision within 30 days. Same thing that I was told when I applied. Doesn't look good. Turned down by WaMu, maybe Chase, and maybe Hooters now. I did get the AMEX Gold Sky Miles instant approval.

Re: Dang it!

Anonymous — Sat, 25 Aug 2007 20:39:24 GMT

I sent a recon letter to chase and noticed they are pulling my scores again..

Re: Dang it!

SpecFile — Sat, 25 Aug 2007 22:25:21 GMT

Nah, I think I'll just wait for a while and then apply for the freedom card. I should have done that to begin with but didn't know it would be this difficult to get a Chase card.

Re: Dang it!

golfmomfor3 — Sun, 26 Aug 2007 03:33:37 GMT

Spec,

Why do you think you were approved for Delta, but declined by Hooters, Chase,......I want to apply for Delta but feel I should wait a bit - trying to figure this out?

Re: Dang it!

SpecFile — Sun, 26 Aug 2007 03:43:26 GMT

Mom,

I was approved instantly for the AMEX Delta Gold 2k CL. Then I got the "notify you by mail within 30 days" from Chase and the 7-10 days from Hooters. I might be jumping the gun and may be approved for both. Just seems odd that AMEX had no problem approving me instantly yet I have to wait for the others.

What are your scores mom?

Message Edited by SpecFile on 08-25-2007 10:43 PM

Re: Dang it!

golfmomfor3 — Sun, 26 Aug 2007 03:48:55 GMT

We're both hovering at/near 600s - my EQ just went over, his EX just went to 613 - of course, these are just FAKOs from True Credit. We are subscribing and doing the regular updates. Afraid and not quite ready to pull 6 FICOs yet! Too much $ We have a couple of updates that should take us up end of month? I just recvd the 7-10 from Hooters and Geico (Merrick Bk) and are communicating with CCCU for various products. Want to try Delta but hesitant to get another inquiry and denial - they pull EX in CA?

Re: Dang it!

SpecFile — Sun, 26 Aug 2007 03:56:11 GMT

AMEX pulled EX-647 for me in TX.

Hooters pulled TU-678

Chase pulled EX and TU.

and WaMu pulled TU.

No one ever pulls EQ. lol

Re: Dang it!

golfmomfor3 — Sun, 26 Aug 2007 04:00:07 GMT

Seems that most of the CUs pull EQ (except for CCCU) - your scores are pretty decent - wonder why declined?

Re: Dang it!

SpecFile — Sun, 26 Aug 2007 04:14:18 GMT

Only been declined by WaMu thus far. We'll see next week with Chase and Hooters. Never can tell with CCCs.

Re: Dang it!

SpecFile — Tue, 04 Sep 2007 22:50:17 GMT

Got the Chase Southwest Airlines today 2.5K CL. Can you dig it?

Message Edited by SpecFile on 09-04-2007 05:50 PM

Re: Dang it!

Anonymous — Tue, 04 Sep 2007 22:51:40 GMT

way to go!