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APPROVED: CSP Recon Recommended for Approval by Lending Department

z8achoc18
New Contributor

APPROVED: CSP Recon Recommended for Approval by Lending Department

Stepped out of the garden yesterday to go for the CSP card. Apped and received the 7-14 day message. Called backdoor number and was transferred to the lending dept. Was told app was denied due to too many cards opened within the past 2 years. Explained that on two of my new cards I'm only listed as an AU becuase those brought me up to 5/24, but also that I've never used them. Was put on hold mutilple times for around 40 minutes total while they asked for income/employer information and a few questions on some BADDIES from a few years ago and about recent credit inquiries.

 

Eventually, I was told he would be recommending me for approval for $5K but it needs to go through a final approval which can take up to 24-48 hours.

 

So far, nothing new is showing on my chase online account and backdoor number is still saying it is still being reviewed.

 

Has anyone had a similar experience when applying for CSP or any other Chase cards? I'm really hoping this is approved but would like to know what everyone's thoughts are. EX FICO 08 is currently at 697.

FICO 08s (8/30/16): EX: 706 TU: 704 EQ: 689
Message 1 of 10
9 REPLIES 9
JustMe3
Valued Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

I don't have any experience with this but I just wanted to say good luck!

Message 2 of 10
thummel
Established Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

It could go either way at this point. In my opinion though a 697 EX score for a CSP is a little on the low side. But I wish you the best of luck!
Message 3 of 10
z8achoc18
New Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

Thanks guys! The UW in the lending dept did say he was recommending it for approval, so I'm really hoping this goes through without any other issues. It's been 24 hours and no new updates so hopefully I receive good news soon.

FICO 08s (8/30/16): EX: 706 TU: 704 EQ: 689
Message 4 of 10
RBM3
Regular Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

I'm sure you've already tried this, but in case you haven't.. Looks like you already have a Chase card. Log into your Chase account to see if the CSP shows up. When I was approved my my CSP, it appeared in my account almost immediately. Chase is very very quick on updating your accounts page. Same thing for a PC, it's almost instant. Good luck on the approval. 

Message 5 of 10
z8achoc18
New Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

Called backdoor yesterday. Said app was denied due to short credit history (weird because oldest card is 11 years old and AAoA is 4.3 years). Pushed for recon again and after another hour long call of various credit and employer questions and hold times, was APPROVED for 5K!! Card is already showing on my online account and should be receiving in 2-3 business days! Very excited because this is my first 5k CA card (highest before was 2k).

Time to reenter the garden Smiley Very Happy
FICO 08s (8/30/16): EX: 706 TU: 704 EQ: 689
Message 6 of 10
EvilSecondTwin
Frequent Contributor

Re: CSP Recon Recommended for Approval by Lending Department?


@z8achoc18 wrote:
Called backdoor yesterday. Said app was denied due to short credit history (weird because oldest card is 11 years old and AAoA is 4.3 years). Pushed for recon again and after another hour long call of various credit and employer questions and hold times, was APPROVED for 5K!! Card is already showing on my online account and should be receiving in 2-3 business days! Very excited because this is my first 5k CA card (highest before was 2k).

Time to reenter the garden Smiley Very Happy

Congrats.

 

Edit: To erase Smiley Happy

"Though You Give up Your Life, Do Not Give up Your Honor." - Miyamoto Musashi

"I Love The Name of Honor, More Than I Fear Death." - Julius Caesar

*Currently at 5.6% bodyfat Smiley Tongue AimED for 5.6% Smiley Tongue
Message 7 of 10
RonM21
Valued Contributor

Re: CSP Recon Recommended for Approval by Lending Department?

Way to press forward on the recon. Congrats. Good luck in the garden.
                

Total CL: $306.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 8 of 10
z8achoc18
New Contributor

Re: APPROVED: CSP Recon Recommended for Approval by Lending Department

Thanks! This is the one card I wanted the most so I'm glad I was able to grab it Smiley Happy
FICO 08s (8/30/16): EX: 706 TU: 704 EQ: 689
Message 9 of 10
JustMe3
Valued Contributor

Re: CSP Recon Recommended for Approval by Lending Department?


@z8achoc18 wrote:
Called backdoor yesterday. Said app was denied due to short credit history (weird because oldest card is 11 years old and AAoA is 4.3 years). Pushed for recon again and after another hour long call of various credit and employer questions and hold times, was APPROVED for 5K!! Card is already showing on my online account and should be receiving in 2-3 business days! Very excited because this is my first 5k CA card (highest before was 2k).

Time to reenter the garden Smiley Very Happy

Congratulations!!! Smiley Very Happy

Message 10 of 10
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