CHASE recon, have to wait 1-2 weeks... Anyone?

[TS11]

I applied (out of impulse) for the Amazon Visa Sig, denied. So I got the letter so I called the backdoor number (Thank you, community) and got a super  nice rep. She asked me questions on what led to my BK (02/08) and even my 30 and 60 day lates (approx 3 accounts from 2012)... She went waaaaay back! After approximately 30 minutes going through all of this, she said I would have to wait 1-2 weeks for the "final review.' I asked for a recon for any CHASE card, not just the signature. The reason why I decided to go the Amazon Sig in the first place was because I am on an app spree and had success with Amex, Discover, and 2 USAA; I will garden now.  

Anyone ever been in this situation; any luck with the recon? Thanks for any input.

as of 02/10/16 post app spree: EX 611 |   EQ 614  |  TU 620.  

[Anonymous]

Not to toot on your parade, but your scores seem very low for a CHASE Approval -- not to say it is impossible, but if 620 is your highest score, I'd be very shocked to see an approval especially for the AMAZON Sig. . or any CHASE card at all.  It's rare to see approvals for CHASE with scores under 650, and that is pushing it.   CHASE is not solely a FICO lender (meaning they dont go just off your score) but they DO take it in to account.   Best of luck, but I wouldnt hold my breath with them. 

Try for something like CapOne QS1. 

[Anonymous]

EDIT:  Just saw your scores are post app spree - what were they prior ?  Did you take a huge hit for new accts ??  ouch

[Anonymous]

Did she happen to mention if this would be another HP or can they use the same one? 

I do see a lot of recon success stories on here so best of luck to you!

[TS11]

It seems like I may have taken a big hit. My EX score, courtesy of Discover was 655! I currently use "Protect MyID" for monitoring, this may be off topic but will switch soon to "myFICo' for more of an up to date, live look. Any reccomendations in this department? 

[TS11]

She did not mention a HP, she just was in full interview mode haha

[Anonymous]

If you were recommended for approival, it is very likely you will get approved!  I was approved this exact same way for the RITZ!!  I didnt realize your scores were 655 at time of apping, you may get it then.  Best of luck !! whats the automated status line say btw ?  

[Anonymous]

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@TS11 wrote:

She did not mention a HP, she just was in full interview mode haha

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Definately worth a shot!  Let us know how it works out

[TS11]

Thanks so much, I'll keep you posted in 1-2 weeks 😜

[TS11]

Do you mean the original message when I first applied? If so, it said: We cannot approve you at this time, you will receive a letter to as to why this decision was made. 

Once I received the letter the reason listed why I was not approved was due to my BK in 2008.  I hope that's what you meant, super new to this forum and still trying to acclimate to the lingo and acronyms!  Thanks for the input and well wishes, greatly appreciatd.