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CSR - 5/24 with authorized user on AMEX - please advise

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Anonymous
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CSR - 5/24 with authorized user on AMEX - please advise

Hi - I was hoping for some collective help. I am dying to get the CSR and stupidly applied for the united milage plus (late 10/2016) and the amazon charge card on amazon. I am currently at 5/24 and will be for another year, but this includes an AMEX that I am an AU. I had a pre approval at my local chase, but when the form was printed, the APR was variable, so I didn't apply and now there is no more pre approval.

Getting the AMEX AU removed seems like a pain, since I'd have to dispute it.

Should I apply online and take my chances, then do recon over phone?

Apply in branch, have them help?

Wait for pre approval to come again (although it wasn't even real last time).

Message 1 of 9
8 REPLIES 8
fullstackdev
Established Contributor

Re: CSR - 5/24 with authorized user on AMEX - please advise

From what I understand, you can't recon 5/24 decisions, so don't waste the inquiries. You best course of action would probably be to dispute the AU account that's putting you over the 5/24 limit and apply for the CSR once it has been removed. Good luck!
Rebuilding
Message 2 of 9
Anonymous
Not applicable

Re: CSR - 5/24 with authorized user on AMEX - please advise

I agree with the above poster.  Remove yourself as AU and then go into the branch and apply.  Don't do it online...

Message 3 of 9
Anonymous
Not applicable

success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user

has anyone heard or had success with success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user.  Otherwise would be at 4/24. 

Message 4 of 9
Khalifa_Jayy
Regular Contributor

Re: success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user

Nothing to add, but what do those fractions or (dates) mean? I've seen 5/25 referenced on this board several times.
TOTAL CREDIT LIMIT:
FICO:
CREDIT AGE:

Message 5 of 9
BronzeTrader
Valued Contributor

Re: success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user

Great!

Message 6 of 9
Anonymous
Not applicable

Re: success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user

what does great mean? do you have any experience?  There isn't much on this so i wanted to get some other's experience before wasting inquiry.  also, AU is with AMEX, and they are a pain to remove. 

Message 7 of 9
Anonymous
Not applicable

Re: success with chase sapphire reserve phone reconsideration if at 5/24 because of authorized user

i believe ive seen it counts towards it, you need to be removed from those in order to be under 4/24 but i might be wrong, either way if its close you should go to the branch and ask if youre pre approved and apply from there if in doubt.

Message 8 of 9
Anonymous
Not applicable

Re: CSR - 5/24 with authorized user on AMEX - please advise

Let me tell you my experience, i was 5/24 + 1 authorized user & i was informed by their lending team during reconsideration that they dont count the authorized user so i had the 5th card dropping the next month so he advised me to wait till next month (before 30 days period) and then call us for reconsideration and we will reconsider.

So even if the system denys you because of authorized user, just call them and explain to them that you are just authorized user & you were informed by one of the lending team staff that authorized users arent counted towards 5/24.

Best of luck
Message 9 of 9
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