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Approval or Denial?

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JSS3
Valued Contributor

Approval or Denial?

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Message 1 of 19
18 REPLIES 18
OmarGB9
Community Leader
Super Contributor

Re: Approval or Denial?

Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 19
JSS3
Valued Contributor

Re: Approval or Denial?


@OmarGB9 wrote:
Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

I've gotten the 30 day. Didn't call. Denied

Message 3 of 19
JSS3
Valued Contributor

Re: Approval or Denial?


@OmarGB9 wrote:
Can't really say. Usually 30 days is better than 7-10 days, but it could still go either way.

When is it a verification and should call in?

Message 4 of 19
OmarGB9
Community Leader
Super Contributor

Re: Approval or Denial?

You can call the backdoor numbers and see if they just want to verify something. If they try to transfer you to lending, then hang up.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 19
JSS3
Valued Contributor

Re: Approval or Denial?


@OmarGB9 wrote:
You can call the backdoor numbers and see if they just want to verify something. If they try to transfer you to lending, then hang up.

Chase: 888-688-6708 (Verification department)  

Chase  800-278-8830  (Verification department)

 

 

Those numbers right?

Message 6 of 19
Anonymous
Not applicable

Re: Approval or Denial?

Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000

Message 7 of 19
JSS3
Valued Contributor

Re: Approval or Denial?


@Anonymous wrote:

Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000


Call verification numbers above, correct?

Message 8 of 19
CreditCuriosity
Moderator Emeritus

Re: Approval or Denial?


@JSS3 wrote:

@Anonymous wrote:

Call my husband got the same message and needed to be verified by the fraud department. Approved for $5,000


Call verification numbers above, correct?


JSS3 I would pesonally call the automated status line and see what message that gives you .. If it is 2 week message or 30 day message by the automated system I would sit tight and lets the application run its course and NOT call UW/verification unless you get a letter.  If it is 7-10 days then most likely that is a denial.. Wait for either the approval call every day or two the automated system and if approved it will change and say approved and give limit.  Othewise wait for the mail. The phone system gives it away 90% of the time whether you are going to be approved or not based on the message you get from the automated system.   Best of luck!

 

 

Chase: 800-436-7927 (App status - automated)

 

follow the prompts to get application status, but don't speak to a live person or changes are you might get transferred to UW which usually ends up bad for many people vs. letting it run it course

Message 9 of 19
JSS3
Valued Contributor

Re: Approval or Denial?

Thanks CC!!!

Did back to back apps earlier for co-branded cards. Instantly approved for one. Received message above for the other. Just called app status. Robo lady said they don't recognize social?

Got 3 Chase cards now. They know the social. Lol
Message 10 of 19
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