Chase Ink in pending/review- approved

[SG43]

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@SouthJamaica wrote:

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@jdsinm wrote:

updated in original post

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Thanks for the update. After 72 hours I'm still in the "pending, will notify you in 2 weeks" holding pen.

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Surely just reallocating JPM assets to account for the massive SL they are going to issue you. 

[SG43]

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@SouthJamaica wrote:

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@SG43 wrote:

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@SouthJamaica wrote:

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@SG43 wrote:

Middle of the night email last night.

Congratulations. We have approved your request for a Chase credit card.
You'll receive your new card and welcome kit in the mail in 3 to 5 business days.
Thanks for choosing Chase. We look forward to serving you.

already showing on my business chase login. Lowest APR (13.49 iirc) 5K SL. No 0% period like I got with CIU. 75k UR for 7500 spend.

I hope y'all hear something soon. :/

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Awesome! Congratulations @SG43 

Any data points for us?

How could they not give you the 0% promo interest rate, when that's written right into the card description on their site?

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what data points would you like?

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1.  I don't think that means you're not getting the promo rate.

2.  By data points I meant things like credit score, number of recent accounts, inquiries, Chase relationship, utilization... things like that. Whatever you feel like sharing.

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1. you're correct, it changed today from the 13.49% to 0%

2. Scores in sig are pretty accurate.

I owe 900$ of a 30000$ vehicle loan through cap1, the last payment would be august this year. I'm paid up through July iirc. I owe about 30k of a 50k auto through NFCU opened last July

limits below are accurate

aooa is 8 years (older accounts closed preemptively before I knew better have fallen off, as well as my previous two auto loans through chase).

• Oldest Account 7 years, 8 months
• Newest Account 11 months
• Average Age 3 years, 9 months

CAPITAL ONE BANK USA

7 yrs, 8 mos

DISCOVER BANK

7 yrs

AMERICAN EXPRESS

5 yrs, 5 mos

JPMCB - CARD SERVICE

5 yrs, 3 mos

PNC BANK, NA

4 yrs

APPLE CARD - GS BANK

2 yrs, 4 mos

NAVY FEDERAL CU

1 yr, 7 mos

JPMCB - CARD SERVICE

11 mos

NAVY FEDERAL CU

11 mos 

auto loans

CAPITAL ONE AUTO FIN

4 yrs, 7 mos

NAVY FCU

1 yr, 8 mos

And, general equifax stats

On-time payment history

100%

Credit card use

1%

Derogatory marks

0

Total accounts

19

Hard inquiries

5

JPMCB - CARD SERVICEMar 29, 2022

JPMCB - CARD SERVICEDec 05, 2021

JPMCB - CARD SERVICEApr 01, 2021

NAVY FCUMay 30, 2020

JPMCB - CARD SERVICEMay 07, 2020

 TU inquiries
NAVY FCU (Finance)Apr 05, 2021

NAVY FCU (Finance)Aug 02, 2020

 Experian inquiries - 2

both JPMCB card svc lol

business card info-

two cards, amex both in sig, combo 65k limit utilization <1%, both <2y old

had a amex blue cash, closed at 1y old limit was only a few k. Appd for an ink May of last year and got lol'd at with a decline for insufficient business history/acc activity with chase. Tried again 4m ago and got my approval for the ink unlimited, 3k at 13.49 0% for however long. 
maxed it out twice and paid it off, right now it's at 105% utilization lol from some fuel pre auths for 150$ fill ups. will pay it off this month.

That's my only chase business anything. no deposit history with chase. They financed a new truck for me in 2007 and 2011, then I used cap1 in 2016, then NFCU in 2020. Probably will use NFCU for the next one next year.

NFCU is primary checking and home of CDs.

[SG43]

Any other DP related questions lmk, I really don't mind.

I put income personal as 140 (pretty accurate), business revenue at 50k (shot from the hip on that one).

did not use my EIN or business info, literally for chase just used SSN and name.

[GApeachy]

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@SG43 wrote:

did not use my EIN or business info, literally for chase just used SSN and name.

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That's one dp I didn't expect🤔 Hmmmmmm, Black gold, Texas tea.👍🍺😜

[SouthJamaica]

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@SG43 wrote:

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@SouthJamaica wrote:

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@jdsinm wrote:

updated in original post

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Thanks for the update. After 72 hours I'm still in the "pending, will notify you in 2 weeks" holding pen.

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Surely just reallocating JPM assets to account for the massive SL they are going to issue you. 

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[SouthJamaica]

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@SG43 wrote:

Any other DP related questions lmk, I really don't mind.

I put income personal as 140 (pretty accurate), business revenue at 50k (shot from the hip on that one).

did not use my EIN or business info, literally for chase just used SSN and name.

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Questions? Are you kidding? You gave us your whole life history there. I didn't mean to give you a term paper to write. No I don't have any further questions

And me... At the 4-day mark I'm still in the "pending, decision in 2 weeks" penalty box.

[GApeachy]

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@SouthJamaica wrote:

And me... At the 4-day mark I'm still in the "pending, decision in 2 weeks" penalty box.

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Remember this....I'm showing my age

[SG43]

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@GApeachy wrote:

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@SG43 wrote:

did not use my EIN or business info, literally for chase just used SSN and name.

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That's one dp I didn't expect🤔 Hmmmmmm, Black gold, Texas tea.👍🍺😜

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I wish. My petroleum wells have all long since dried up

[AceTen]

That's funny because I thought Peachy was referencing "spill the tea", as in good info or gossip.

I was approved for the CIU at 8k a few days ago I also did not use an EIN... just to add that data point as I did not think about it in my approval post.

[GApeachy]

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@jdsinm wrote:

3.30 update- 

I received a letter in the mail today. Saying "they needed info. May be related to alert on your credit profile or TIN". 

I don't have a locked credit report so it wasn't that.

Turns out i transposed the last two digits of my SS.

They wanted to verify the "correct" number.

Interesting DP that they were still able to originally run my credit when i applied.

Long story short they verified the correct info and moved forward which then meant i needed to get transferred to a business side rep. Then i got the "everything looks good, you will hear something in 2 weeks from us" boilerplate. 

Final DP, once they confirmed the correct number, i almost immediately got an email with the thanks for applying 30 day notice again. I also got  a new hard inquiry. I'll deal with that later.

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My goodness....this is just so frustrating!