Chase CSP 30 day

[Anonymous]

So long story short decided to pull the trigger and apply for the CSP. scores between 675-707 fico (as per my Amex, barclays and Citi cards) 80k income, no negatives, paying down overall debt so util is at 38% (i know not great, but i saw people with lower scores, lower income and more baddies so i thought why not) either way got the 30 Day notification today....

However i got really inpatient so decided to call the recon line i was very polite and the so was the agent, however all she could give me was that it was still on 30 day status and that it has no notes, and that i should wait for the decision within 30 days

any thoughts, opinions, guidelines, did i jump the gun and call too early and should just wait the 30 days or what

[Anonymous]

also while waiting would it be wise if i apply for another card, would it hurt me or does it not matter at this point since the application was already submitted (applying for amex SPG)

[Anonymous]

Chase has been known to sometimes soft pull people a few times during the reviewing stage to see what you are doing.  But the 30 day is also often known for being identify verification by sending you a letter in the mail with a code that you call in with.  Could go either way, or both ways.  If one feels they are borderline then I would wait.

[Anonymous]

I think in general 30 days is a good sign, what is the auto phone status saying? That's what to pay attention to. Also were you prequalified?

I started out with 30, then 7-10. I had to do some verification then I was approved. Unfortunately with Chase it is a hurry up and wait situation.

[Anonymous]

no i didnt have prequal, but then again i had unsubscribed from all prescreeners a while back ( i guess i kinda regret that now ) but i dont know if i messed up by calling right away.....

is this like the whole dating thing lol... dont look desperate and call right away, give it a couples days

[Anonymous]

That is so funny about the dating thing and so true haha! That's how I felt about calling too. Anyways keep us updated on how it goes!

[Loquat]

I just posted in another thread about this.  My BK13 is still on my report.  I've never prequal'd with Chase for any product.  When I apply I always get the 30 day message.  I always call in and it's seems to always be a verification issue.  They send me a text, I read it back, and get an instant decision.  Some like to wait as they don't want take the chance of being interrogated by Chase's lending team (been there, done that before with my CSP, not fun) but I'm very impatient so I always call.  Every time it's been a verification issue with the exception of my first card which was the CSP where they grilled me about an old Providian account and my BK13.  But after that I've been approved for every card I've applied for.  My card and welcome package usually beats the letter than is auto generated telling me to call in for verification.  I currently have a CSP, Amazon, IHG, and Ritz card and every time I've applied I get the 30 day message.  You can wait it out or call...your choice.  Good luck to you...

[Anonymous]

You'll probably be approved after verification as the others have stated.

One thing though and I know it's too late to consider this now but something I'd recommend in the future.  If you're sitting at 38% utilization, you aren't putting yourself in a great position with respect to your application.  I know you said you checked and others that were worse off than you were approved, but it's not just about getting approved IMO, it's about the terms under which you get approved (SL, APR, etc).  All other things being equal, 38% utilization may result in a $5k SL where 29% may be $7k, 9% could be $10k, etc.  Just something to keep in mind for future apping.

[Anonymous]

the waiting makes it the worse!!!!! does chase like me do they not like me, will they let me at least hold hands did i call too soon!!!!!!!!!!!!!

all kidding aside i called about 20 minutes after submitting my app and the lady i spoke to on the phone says its being reviewed and 30 days blah blah blah.... idk if i should just go call the robo lady line or (god forbid) actually wait it out and hope for the best. i get so anxious with new credit cards specially when there are points to be had, its like the new toy that i must have

[Anonymous]

just called the app status line.. Robo lady came back with 7-10 day decision... any tips on what to do next

Update.. Called the lending department and wonderful lady mentioned that they just needed to verify my recent address change, from what it seems thats the only thing they need to verify... sounds like a good sign right because if it was a flat out denial would they really care about my address change?