Amazon Prime Card Denial/Approval

[josh1]

I recently applied for the Amazon Prime card and it said I wasn't applicable for instant approval or denial and would hear back within a few weeks. Has this happened to anyone else, and if so, what was the outcome?

[AverageJoesCredit]

Im gonna say approval or denial. Could be Chase needs verification of info. Give them a call.

[josh1]

Yeah, I was just curious to see if there might be a correlation. I did do something stupid and changed my address on this application because I just moved, but haven't updated it on any of my other cards 

[Anonymous]

It's not uncommon for Chase to put an application pending. By the way you call the automated line 800-432-3117 there can be 2-week/7-10 day/30 days messages and the meaning between these are different. I would call this number first and see what message it gives before deciding the next step.

[josh1]

What do the different messages usually mean?

*Edit* I called and they said about 30 days.

[Anonymous]

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@josh1 wrote:

What do the different messages usually mean?

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Usually if it says they will give a decision in 30 days, then the application hasn't been processed yet. I would wait until it changes to 2-week or 7--10 day message before speaking to them.

If it's the 7--10 days then it's either verification needed or more likely denial (does not absolutely mean you will be denied). I would call in and check what types of verification is needed or if they have a decision. If it's 2-week then I would just wait out and you may have a better chance to get approved.

Regardless of the message, it is always possible the application gets approved, and if you are a Chase customer then the account will show up in your online bank if it does get approved (in which case you don't need to ask if they have a decision, of course). If I need to speak to them in business hour I wouldn't push them into a decision if they say there is nothing else they need from me and it still takes some time to process.

[josh1]

Thank you so much for the information!

[josh1]

After getting the 30 day response from the automated line (800-432-3117), should I request to speak to an agent? Or should I call another line or just wait? I think they want verification because I applied with my new address which I haven't used for any other credit cards. Also, for Chase income, I have been told that they accept both college scholarships and money from parents counts towards income, is that correct?

*Edit* I was looking through my Chase account online, as I have a checking with them, and noticed the credit card wasn't in my applications page. I called and the woman told me that they had the application, so I don't know if that means anything.

[josh1]

First, I apologize for posting about almost the same thing very close together, but I wanted to get some opinions on this.

I am still at the 30 day wait for my Chase Amazon Prime card and was wondering if I should try to talk to an agent. If so, what line would you guys recommend and what should I say. I already had to call today, because when I checked my Chase account online it said I had no application in, but the woman confirmed they did have my application.

[AllZero]

Practice patience.

7-10 days message is possible denial I think.
30 days. You have a shot. Let them process the app.