topic Re: chase 4 hour message? in Credit Cards

chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 01:40:07 GMT

well since i'm in one of my moods i hit the luv button on my chase account. said i''l receive a response in 4 hours, what is that?

i'm hopefull since i dought they could get a decline letter to me in 4 hours, lol.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:43:39 GMT

Sounds good to me. PJ just had a post about having to wait 4 hrs too. Good luck!

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=62157&page=1

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:45:52 GMT

no go for me. pulled eq of 679, guess i'll try and recon it.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:50:05 GMT

That was a fast decline! Sorry Ducky.

I'm still a no go with getting a card with them myself because the length of time I have had my accounts is too short. No derog's on my EQ and was over 680 last time I apped. Denial did not give specific reason's really. I'll just have to wait it out.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:54:51 GMT

well then it looks like i'm in good company! i think age is the biggest thing hurting me know. oldest account 6 years, average 1 year.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:57:26 GMT

Actually, I did pick up some age from being able to assume my grandmother's Discover card. It was opened in 1986, but...bad part is a recent late payment (30 day) in October. My EX dropped almost 30 points. I will get my TU on the 30th to see damage and isn't on my EQ yet.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 02:59:15 GMT

stef, how long of a history do you have, i was approved for chase at 5 months total history; I would be suprised if you didn't get a card from them unless it was less than 5 months.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:02:53 GMT

Steven_S wrote:
stef, how long of a history do you have, i was approved for chase at 5 months total history; I would be suprised if you didn't get a card from them unless it was less than 5 months.

Umm, I have opened a ton of new accounts. The most recent average age was 3 months. Now with the Discover, it average's to around 2.5 yrs. I bank with chase, checking, saving's and a secured loan. I think they are just waiting to see if I can keep up.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:05:56 GMT

sorry to hear about the decline in CLI dnm...I would call on Monday to do the recon, to ensure a credit analyst is available...good luck!

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:07:22 GMT

pjriverap wrote:
sorry to hear about the decline in CLI dnm...I would call on Monday to do the recon, to ensure a credit analyst is available...good luck!

ya know i may just wait for the letter so i don't look so hungry.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:21:04 GMT

@dnm45227 wrote:

@pjriverap wrote:
sorry to hear about the decline in CLI dnm...I would call on Monday to do the recon, to ensure a credit analyst is available...good luck!

ya know i may just wait for the letter so i don't look so hungry.

good point - i on the other hand would be calling first thing monday, as i did with my cli earlier this week...especially since it costs a hard...but i understand your point. good luck and post results!

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:23:37 GMT

so was you cli approved on recon?

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:37:07 GMT

@dnm45227 wrote:
so was you cli approved on recon?

Yup. I had a 4K CL...online I asked for 15K. Over the phone I told them I at least want 10K and they gave me the full 15K.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:40:32 GMT

well i'll tell them you said so, then they'll have to do it. good job on playing hard ball for yours!

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 03:51:09 GMT

thanks - yeah, always before calling i remind myself to be firm and reasonable, but I also always remind myself that they need me more than i need them, lol. And I make sure they know that as well...good luck on your recon mission!

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 12:32:41 GMT

well just spoke with them. she said the system auto declined due to balances on some of your accounts. would you like me to look at it again?

i said sure, please do. she then asks what are these justice fcu accounts. i say i have my cars financed with justice fcu. she then asks what is the thd/cbsd? i say we took out a no interest, no payment loan at home depot to put carpet in the house. she says why are you looking to increase your limit. i respond back with to put this accounts limit in line with my others. she says please hold.

about 30 seconds later she comes back and says your request has been approved and your new 5k limit is available for use immediately.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 12:45:47 GMT

very, very cool! congrats!

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 12:50:38 GMT

thanks. the account started as 200 bp store only card. i wish all issuers would grow with customers.

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 12:58:47 GMT

me too...i think that is the only reason i stick with WaMu really - tons of auto CLIs and APR reductions...I think because of them so many other cards were more willing to give my CLIs...

Re: chase 4 hour message?

Anonymous — Sat, 29 Mar 2008 14:58:11 GMT

@pjriverap wrote:
me too...i think that is the only reason i stick with WaMu really - tons of auto CLIs and APR reductions...I think because of them so many other cards were more willing to give my CLIs...

pj, I have to agree with you on that one. But I'll take it a notch higher. Because WaMu approved me for a card with a very nice opening cl(for me), other ccc's that I applied to looked at that, and matched or exeeded, or came close to it. I feel it opened the door whereas before I got that card the door was "closed".

(just another half-baked opinion offered by Syl)