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Any Successful Chase 5/24 Rule Denial Recons?

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Credit-hoarder
Valued Contributor

Any Successful Chase 5/24 Rule Denial Recons?

I've had several succeses with my credit over the last 2 weeks, but Marriott was the first app I made on June25th since last Oct and was denied b/c of the 5/24 rule. Since I took the hit on both EX and EQ, I was wondering if I should go to battle with lending to try and get the card (and I FLAT OUT REFUSE TO LET THEM HP me again)-or should I just write it off? Don't really need it at this point. Any useful opinions welcome!

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 1 of 6
5 REPLIES 5
Scupra
Super Contributor

Re: Any Successful Chase 5/24 Rule Denial Recons?

Why not try and just make sure to refuse another HP? Couldn't hurt..

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 6
Anonymous
Not applicable

Re: Any Successful Chase 5/24 Rule Denial Recons?


@Credit-hoarder wrote:

I've had several succeses with my credit over the last 2 weeks, but Marriott was the first app I made on June25th since last Oct and was denied b/c of the 5/24 rule. Since I took the hit on both EX and EQ, I was wondering if I should go to battle with lending to try and get the card (and I FLAT OUT REFUSE TO LET THEM HP me again)-or should I just write it off? Don't really need it at this point. Any useful opinions welcome!


From many reports here and elsewhere your chances of getting the denial overturned are very very small.  However a Scupra rightly says you dont have anything to lose by trying.

Message 3 of 6
kdm31091
Super Contributor

Re: Any Successful Chase 5/24 Rule Denial Recons?

There's nothing to lose by trying but honestly it is probably not going to get you anywhere. By all accounts, once you are denied for 5/24, that's pretty much the end of it

Message 4 of 6
Anonymous
Not applicable

Re: Any Successful Chase 5/24 Rule Denial Recons?

If you can go into a branch, that will be much better than calling yourself and trying to recon.  Let a banker try to call lending on your behalf.

Message 5 of 6
RonM21
Valued Contributor

Re: Any Successful Chase 5/24 Rule Denial Recons?

As the others said, nothing to lose. Just the fact that it's a HP, I'd go all out for it.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 6 of 6
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