@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Pre-approval in branch, applied and got 30 days message. Fico ex is 750
Message changed today to 7-10
Called in and the agent said that reasons given were high balances and credit seeking behavior
I don't have any balances and never carry balances, always pay in full several times a month, and I haven't applied for any new credit in over 10 months. No bad marks
The agent put my app back in for review. They said they didn't understand and that it didn't make sense to them either.
I'm not sure if I should recon, or perhaps even apply for the CSP instead? Or just forget chase altogether?
It sounded like they wouldn't give me any new card, no matter the SL. I don't understand why they would offer me pre-approvals and then say that they won't give me a card
Chase typically pulls two credit scores. What is the other bureau they pulled and what is your score there?
In-branch offers expire and I was told by a personal banker recently that they don't know when the offers they see on their screen expire. So they basically roll the dice if you choose to apply (I was in a similar situation recently where I was approved for all the cards offered by Chase but I decided not to apply although I wanted the CSR).
But the paperwork you got from the personal banker should have given you a clue on how your app would go. The Disclosure document for an approved in-branch app states "You were selected for this offer" and refers to a section titled "Notice about this offer" later in the document. Most importantly, it will also show a single, fixed APR.
The Disclosure document for an in-branch approval that was declined has the generic credit card language that appears on Chase's website and shows a range of APRs.
They only pulled experian
I can't go back to the in branch app, but online I get a fixed rate app for the csp
Didn't the personal banker who submitted your app in-branch give you a printout of the credit card disclosure? Well, that disclosure varies based on if you're immediately approved or not.
