CHASE 30-Day message... data points?

[Anonymous]

So it is well documented that the 30-day and 2 week messages have been a fairly accurate indicator for approvals when left alone to Chase's app-life process. As an FYI, I have had a 22-day app for the IHG result in an approval.

Just curious as to whether anyone has had an application go the full 30 days and result in a denial. Any and all data points welcome. TIA.

[Anonymous]

7-10 day message for all three apps.

Most recent - 7-10 day message after submission. 30 day message via email. 2 week message via automated phone system.

All 3 approved during follow up phone calls.

[FinStar]

My recent Marriott application lasted an entire 30-days in processing-land.  However, I did not call lending or verifications - no need.  The automated phone message stayed as 30-days throughout the entire timeframe until 3/18 when it changed to approved. 

[Anonymous]

the dang thing just went 7-10. grrr

[FinStar]

---

@Anonymous wrote:
the dang thing just went 7-10. grrr

---

Oh dear.

Well, two outcomes are possible with this.  Declined or additional verification.  Wait for the letter to see what reasons are cited.  If verification, then fairly straigh-forward.  If declined for other reasons, decide whether pursuing a reconsideration can merit a good outcome. 

[ddemari]

Wow FinStar your app was longer than mine. 15 days till approva nearly 3 1/2 weeks till I saw a card.
Same thing with United club visa.

[Anonymous]

this was for the United Club as well. I guess it's unlucky #7

[Anonymous]

My boyfriend recently applied for a Chase Sapphire and received the initial 30-day message. Afte three weeks he did receive a denial letter.  We had hoped because so much time had passed that we would eventually see a card in the mail - but that did not happen. 

[ddemari]

Aww that is unfortunate! What did the his status on the phone line say throughout the wait?

[Rebuilding69]

Apped for the Slate(1st app) & Freedom on March 2, so it's been 21 days now. The Slate was approved 2 weeks ago. For the Freedom, the screen initially said something about verification or more info, then I got an email the next day saying 30 days. A week ago I got some kind of denial letter for the Freedom, but without any kind of TU score(I thought a score was supposed to be included in the denial letter?), and the denial reason was "Too many requests for credit or opened accounts with us". I have exactly 1 account with Chase which is the Slate which I apped a few minutes prior to the Freedom.

The phone message still shows both applications in the last 30 days, and for the Freedom, it still says Under Review with a notify in 7-10 business days. I'm thinking I should call Verification tomorrow & see what they say? I feel like I'm getting mixed signals from Chase as I've only apped for 2 cards ever with them, and only have 1 account which is the Slate, which I thought did not pertain to the 5/24 rule? So I'm not sure how I have too many requests for credit with Chase or opened accounts with them?

 Does the phone message ever change to denied, or does it always say under review even when you are denied?

Edit: Just noticed my denial letter(or whatever it is) was dated March 3, so they decided to deny me in less than 24 hours, but the phone message never changed, and it took them over 2 weeks to actually mail it.

Also, I just checked their prequal page & it still shows the Freedom & Slate as options I can apply for.