I am heartbroken lol.. well disappointed for sure. Admittedly I am addicted to sign-ons, I used a CBM to process a CIC for 50K/$3K and it went pending then declined a short time later. Did a us based recon, csr was kind of tough, she said I have opened too many cards in 24 months. I shot back how do you know, her retort was the hp told me so. Thank you, hung up. called india, nice fellow – same exact response. Said with no offence my I please chat with your lead – transfer back to the us to a woman that was either the same individual I talked with before or her sister ha-ha. Very firm and to the point. Went off line, came back and said she counts 9 consumer opens in 24 months and that is too many. I said how to you know, her response is because the hp told us so.
Feeling frisky as I had nothing to lose at this point I said I got a IHG in 7/17 without an hitch, so are you saying it’s now not 5/24 but 8/24 or just 8/24 for me or what exactly. Meaning how when I know that I can apply again. I said look at my report; I have a csr, fu, f that was a csp, cip and a ihg and all but one were over 5/24 and all done in branch with a pre-approval. I said I only use chase products, you can see this for yourself. She was typing like crazy into god knows where. I said take some credit from my CIP to open the card, and the response was always a firm no. I could see this was going nowhere so I shifted into ultra-polite mode, told her I understand, I love chase and thanked her for her time, etc. too many variables to read into this but it’s the first time I have ever heard of an in-branch pre-app not working so it’s quite odd. Scary version is they modified their back end that when some magic threshold is hit in-branch will not bypass, like 5/24 lol.
Anyway there you have it, ran a cct, ex hp w no score change, guess I will have to get my kicks from amex referrals or who knows.
