Just got my email with the Chase PDF account offer for $500. I hope it works!
Thanks so much for the tip!
Now only if I can get approved the the CSR I will be very very happy 
@Anonymous wrote:Just got my email with the Chase PDF account offer for $500. I hope it works!
Thanks so much for the tip!
Now only if I can get approved the the CSR I will be very very happy
Great.. it will work, this is how I got mine last year 
And I am pretty sure you will be approved for CSR if everyhing is same on Credit Report as you explained.
@Anonymous wrote:
@Anonymous wrote:Thanks for your swift reply Klad
@Anonymous wrote:This is weird.. I would say call the backdoor number again ask them specifically how much "too many" means, bankers in my area clearly told me that this "too many" is 5.. so if they deny you based on "too many", you should be able to discuss with them like what all accounts they see opened in last 2 years..
One more thing, since you open the account in branch, I would recommend go to the same banker who submitted your request, explain your situation and let him/her do the talking with underwriters. All the best
Thanks for your swift reply:
My history is :
Date of Request Entity
02/27/2017 Chase [This is the inquiry which was the application for today]
02/03/2017 Macy's
09/09/2015 Chase
05/11/2015 Chase
02/13/2015 Chase [This is more than 2 years ago, but it says the inquiry will drop off in March 2017
]
I'll go through my banker tomorrow to have him call. Just stopped by and he told me he can't guarantee anything but will try.
I have currently four Chase cards and am more than happy to cancel or move around credit on a card to get to the $10k point.
Another option was to wait 90 days and apply again, but then there goes the 100k bonus for applying in branch.
Hmmm
I believe Chase Inquiry from 02/13/2015 should have been fallen off from your credit card.. Although Credit Reprots shows Removed by next month but they are almost always removed as soon as 2 years completes.. I also had a Chase Inquiry from 02/17/2015 on both EX & EQ, and they both have been removed.
And I assume you do not have any other accounts from any lender in last 2 years except Macy's and three other Chase cards.. You can also recon based on the fact that Macy's is a store card and cannot be used outside the store..
Also please be advised that Chase 5/24 is all about accounts opened in last 24 months, not the inquiries.. As far as I know Chase is not that much sensitive with inquiries..
About CSR 100k signup bonus, I share your concern and that is why initiated this thread, don't want to miss this just because in 20 days my status will change from 6/24 to 4/24
I went in branch today, my banker called and the guy in underwriting said he cannot see the exact reason for re-consideration until the letter of denial is mailed out to me. Odd?
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Thanks for your swift reply Klad
@Anonymous wrote:This is weird.. I would say call the backdoor number again ask them specifically how much "too many" means, bankers in my area clearly told me that this "too many" is 5.. so if they deny you based on "too many", you should be able to discuss with them like what all accounts they see opened in last 2 years..
One more thing, since you open the account in branch, I would recommend go to the same banker who submitted your request, explain your situation and let him/her do the talking with underwriters. All the best
Thanks for your swift reply:
My history is :
Date of Request Entity
02/27/2017 Chase [This is the inquiry which was the application for today]
02/03/2017 Macy's
09/09/2015 Chase
05/11/2015 Chase
02/13/2015 Chase [This is more than 2 years ago, but it says the inquiry will drop off in March 2017
I'll go through my banker tomorrow to have him call. Just stopped by and he told me he can't guarantee anything but will try.
I have currently four Chase cards and am more than happy to cancel or move around credit on a card to get to the $10k point.
Another option was to wait 90 days and apply again, but then there goes the 100k bonus for applying in branch.
Hmmm
I believe Chase Inquiry from 02/13/2015 should have been fallen off from your credit card.. Although Credit Reprots shows Removed by next month but they are almost always removed as soon as 2 years completes.. I also had a Chase Inquiry from 02/17/2015 on both EX & EQ, and they both have been removed.
And I assume you do not have any other accounts from any lender in last 2 years except Macy's and three other Chase cards.. You can also recon based on the fact that Macy's is a store card and cannot be used outside the store..
Also please be advised that Chase 5/24 is all about accounts opened in last 24 months, not the inquiries.. As far as I know Chase is not that much sensitive with inquiries..
About CSR 100k signup bonus, I share your concern and that is why initiated this thread, don't want to miss this just because in 20 days my status will change from 6/24 to 4/24
I went in branch today, my banker called and the guy in underwriting said he cannot see the exact reason for re-consideration until the letter of denial is mailed out to me. Odd?
It sure is.. they are the ones making decisions, if they don't know who will 
At this point I am not sure whether is it a good idea to call the recon number on our own or not.. may be others can jump in and give you a better advise
Klad please keep me updated