topic Re: Chase Freedom - Pending Review in Credit Cards

Chase Freedom Double Recon Success! Was: Chase Freedom - Pending Review

Anonymous — Fri, 15 Mar 2013 03:20:10 GMT

So, I'm in the Garden, and I decided to recon Chase Freedom just to see. I used the recon number on the backdoor list. The lady was tough and like a stone wall at first, but I softened her up with my deliberately quiet, respectful, monotonous voice. After asking for a reconsideration, she threw the "we denied you for all these good reasons" brick, I broke it up and built her a pretty little house with it, and carefully, but good-naturedly, answered her every question with one or two more details than she asked for. She approved the reconsideration after about 15 minutes discussing inquiries and new accounts. She required my SSA card to prove my social, as well as my vehicle registration to prove my address. I faxed it in, and was told that it takes 7-14 days to review faxes.

Guess I'll wait. I tried calling back a few hours later to see whether they reviewed the faxes, and was greeted with a slightly warning tone of, "You called earlier today and spoke with another representative." But the lady sweetened up when I told her I was told to check back to ensure the faxes were received. She gave me the same 7-14 day processing time.

Will update you all next week.

Has anyone else had to fax in anything for a Chase Freedom recon?

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:03:17 GMT

Good luck... keeping my fingers crossed for you...

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:04:37 GMT

This happened to me. Same timeline, same faxes and I was finally approved after 3 weeks. I'm going to take the leap and congratulate you right now. Congrats! :-)

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:16:08 GMT

@Anonymous

Thanks, buddy.

@Anonymous wrote:
This happened to me. Same timeline, same faxes and I was finally approved after 3 weeks. I'm going to take the leap and congratulate you right now. Congrats! :-)

Thanks. Glad I'm not the only one. What CL did you get? Not that I'm expecting mine to be the same. Just curious.

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:22:08 GMT

After my recon, I was told to call Verifications Dept. I was prepared to be asked those 'in 2006, you may have opened a CL with 1 of these lenders' but instead they asked me questions about my auto loan with them. Ie last payment made, approx balance etc. I assume I didn't have to fax because of my relationship.

Sounds to me like they are doing id checks on a lot of their successful recons.

Good luck!

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:41:09 GMT

@Anonymous wrote:
After my recon, I was told to call Verifications Dept. I was prepared to be asked those 'in 2006, you may have opened a CL with 1 of these lenders' but instead they asked me questions about my auto loan with them. Ie last payment made, approx balance etc. I assume I didn't have to fax because of my relationship.

Sounds to me like they are doing id checks on a lot of their successful recons.

Good luck!

Thanks. They had questions about my auto loan, too. But my auto loan is not with them. I wonder if they have something against this showing up on CR. I'm also wondering whether the ID checks are becoming standard and if we'll see more of them. Unless there is just some hidden criteria, like auto loans, that sends up a flag to them. Hmm.

Re: Chase Freedom - Pending Review

credit3xhausted — Tue, 05 Mar 2013 23:45:46 GMT

@Anonymous wrote:
So, I'm in the Garden, and I decided to recon Chase Freedom just to see. I used the recon number on the backdoor list. The lady was tough and like a stone wall at first, but I softened her up with my deliberately quiet, respectful, monotonous voice. After asking for a reconsideration, she threw the "we denied you for all these good reasons" brick, I broke it up and built her a pretty little house with it, and carefully, but good-naturedly, answered her every question with one or two more details than she asked for. She approved the reconsideration after about 15 minutes discussing inquiries and new accounts. She required my SSA card to prove my social, as well as my vehicle registration to prove my address. I faxed it in, and was told that it takes 7-14 days to review faxes.

Guess I'll wait. I tried calling back a few hours later to see whether they reviewed the faxes, and was greeted with a slightly warning tone of, "You called earlier today and spoke with another representative." But the lady sweetened up when I told her I was told to check back to ensure the faxes were received. She gave me the same 7-14 day processing time.

Will update you all next week.

Has anyone else had to fax in anything for a Chase Freedom recon?

Exact same scenario, except I got disconnected twice while going through the verification process. After the third time on hold I was advised that a letter had been sent out requesting information that would have to be faxed back. I still don't know what they want faxed back. I really don't take stress that well

Good luck, got my fingers crossed for both you and I. BTW, when I reconned she did say that my CL would be $500, but that I would be able to have it increased at a later time.

Re: Chase Freedom - Pending Review

Anonymous — Tue, 05 Mar 2013 23:52:34 GMT

Please update this thread when you find out what they require you to send. What did they point out to you on your CR? Don't tell me they picked on your AL, too...

Re: Chase Freedom - Pending Review

credit3xhausted — Wed, 06 Mar 2013 00:14:46 GMT

UGH! So, I called again and spoke to the Verifications Department after been transfered twice. I guess I am OCD

To summarize my experience: for those applications that are not instantly approved - like us - a more complex approval process is in place to verify our identity. A letter/form is been mailed. I need to fill out and return via fax. The information I provide on the form (SS#, DOB, Name, Address) will then be entered into a system that is forwarded directly to the social security office to be verified. It then takes 24-48 hours from when they receive my fax to complete the verification, NOT THE APPROVAL process. Once verification is complete, then credit card processing picks at it some more and hopefully approves it! In other words 2-3 weeks. Hope this helps.

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 00:20:54 GMT

So now, I guess we're leaning on MovingForward_2012's good fortune. I still have my positive attitude.

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 00:42:32 GMT

I was given a $1000 limit. Not what I wanted but happy I got in the door. They tried to tell me to wait for that stupid letter and I asked for the fax number and sent it via fax as soon as I got off the phone.

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 00:49:30 GMT

That's exactly what I did. Who wants to wait for snail mail?!

Re: Chase Freedom - Pending Review

Jkusa — Wed, 06 Mar 2013 01:47:55 GMT

I hope you get it!

I am pretty sure, nah I'm positive , that I'm blacklisted from any Chase cc's as they were included in my BK7. I tried a few months ago and was immediately declined.

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 01:53:07 GMT

@Jkusa wrote:
I hope you get it!
I am pretty sure, nah I'm positive , that I'm blacklisted from any Chase cc's as they were included in my BK7. I tried a few months ago and was immediately declined.

Did you attempt recon?

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:00:52 GMT

@credit3xhausted wrote:
UGH! So, I called again and spoke to the Verifications Department after been transfered twice. I guess I am OCD

To summarize my experience: for those applications that are not instantly approved - like us - a more complex approval process is in place to verify our identity. A letter/form is been mailed. I need to fill out and return via fax. The information I provide on the form (SS#, DOB, Name, Address) will then be entered into a system that is forwarded directly to the social security office to be verified. It then takes 24-48 hours from when they receive my fax to complete the verification, NOT THE APPROVAL process. Once verification is complete, then credit card processing picks at it some more and hopefully approves it! In other words 2-3 weeks. Hope this helps.

Like I mentioned earlier, I have a relationship with Chase so my questions were geared to answers they could verify. It would probably be the same if I had a bank account with them. When I was done answering the questions, I got the 'Welcome to Chase' verbiage and she told me my CL and to expect the card in 7-10 days.

YMMV

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:08:47 GMT

You have more patience than I do... I called back in ten minutes (earlier post...) and asked them to review the fax log... when they found it -- I said, "Well am I approved?" The guy was like, "I said... the lady said dah dah dah and I'm ready to join Chase now."

They did it... guess I was lucky -- but as, I believe, creditaddict says... waiting is so overrated! I love that phrasing!

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:10:40 GMT

Here was my post (originally) I must have been lucky, especially if more than one person had to wait...

Declined initially on 2-22-2013; called for reconsideration today... if there's one thing that this forum has taught me... persistence and DON'T take "NO" for an answer.

So, after thinking and saying, nah... I called today. Lady came back and said, "No... you have two active collections." I said, "No, I don't." She says the report says... I said, it's wrong, I paid them off about thirty days ago [...edit... were from 2008 and 2009 -- paid so I can tell a home underwriter see there paid]. So, I fax them in... and "waiting is way overrated -- to whomever has that in the siggy line." Called in ten minutes later, they searched the fax que, found them, I said... I'm not a credit risk. They gave me a$2,000.00 initial CL. I'll take it. NFCU and Chase are two cards I like having.

I will not give up my Barclay's though; they re-established me after my horrible youth... I feel like I owe them my loyalty for awhile. Now... just to get to Amex.

Keep fighting the good fight; as I told the recon line... I don't always watch the football game, sometimes I play even if I'm not invited.

Josh

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:11:52 GMT

They asked me to verify with my automobile loan and chasing too.

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:13:01 GMT

@credit3xhausted wrote:
UGH! So, I called again and spoke to the Verifications Department after been transfered twice. I guess I am OCD

To summarize my experience: for those applications that are not instantly approved - like us - a more complex approval process is in place to verify our identity. A letter/form is been mailed. I need to fill out and return via fax. The information I provide on the form (SS#, DOB, Name, Address) will then be entered into a system that is forwarded directly to the social security office to be verified. It then takes 24-48 hours from when they receive my fax to complete the verification, NOT THE APPROVAL process. Once verification is complete, then credit card processing picks at it some more and hopefully approves it! In other words 2-3 weeks. Hope this helps.

I really must have been lucky...

Re: Chase Freedom - Pending Review

Anonymous — Wed, 06 Mar 2013 02:17:35 GMT

@Anonymous wrote:
@credit3xhausted wrote:
UGH! So, I called again and spoke to the Verifications Department after been transfered twice. I guess I am OCD

To summarize my experience: for those applications that are not instantly approved - like us - a more complex approval process is in place to verify our identity. A letter/form is been mailed. I need to fill out and return via fax. The information I provide on the form (SS#, DOB, Name, Address) will then be entered into a system that is forwarded directly to the social security office to be verified. It then takes 24-48 hours from when they receive my fax to complete the verification, NOT THE APPROVAL process. Once verification is complete, then credit card processing picks at it some more and hopefully approves it! In other words 2-3 weeks. Hope this helps.
I really must have been lucky...

Me too! After reading this post, I got nervous and double checked the app status- still says approved. Just waiting on Mr Postman!