Chase Disney Visa Two Week Message

Anonymous · ‎02-05-2018

So on 1/31 I apped for the Disney Premiere Visa card and recieved the 30 day message. A few minutes later just for poops and giggles , I apped for the Disney Visa card (as opposed to the Disney PREMIERE Visa) and recieved the same 30 day message. I called the status line and was told that my first app had the two week message and the second app had the 7-10 day message. I later read online that back-to-back apps with Chase sometimes results in an automatic denial of the second app. No biggie. I was excited to get the two week message because I've read that it pretty much means you're approved.

Fast forward to 2/5. I get two separate denial letters each with it's own unique reference numbers via snail mail with a date of 2/1. But the automated line continues to say two weeks. I'm confused now and have four questions.

Why does it say 2 weeks when they clearly made up their minds to deny me only 1 day after I apped??

Should I wait it out until the 14th day before calling recon, just to be 100% sure?? I've heard the horror stories of rocking the boat with Chase while apps are pending.

If this has happened to anyone else, then can you tell me if it's going to continue to say two weeks up until the app finally hits 30 days and is no longer on file?

And what do you think my Chances are of getting it approved on recon?? Any and all feedback would be appreciated.

Denail letter has a 691 credit score and basically says I have too many inquiries. 10 total inquiries including the HP that they're using right now. 7 of the 10 inquires are from Dec 1st 2017 to Jan 31, 2018.

I have the Amazon Prime card (Apr 2017) and the CFU (Dec 2017) and they're in good standing and 0 balanced and from what I understand, the Disney card isn't subject to Chase's 5/24 rule. This is my first time apping for Chase since Dec 1st. Thus, I'm not in violation of the 2/30 rule.

EQ: 6% utilization, 100% payment history, 0 derogatory marks, 3 year age of credit history, 20 total accounts (1 car, 8 student, 5 open CC's, and 6 closed CC's).

Thanks.

Anonymous · ‎02-06-2018

NM

Anonymous · ‎02-06-2018

Just to let you know.

There are hundreds of sites across the country complaining about posts leading with the word "so".

Anonymous · ‎02-06-2018

😀👍

.... that's very helpful. Thanks.

Anonymous · ‎02-06-2018

From my experience, sometimes the second application on the same day is automatically declined, and the automated line will say "2 weeks" in this case. BTW, the automated line describes your latest application first.

I've run into this situation twice. Not sure whether it applies to others though.

Anonymous · ‎02-06-2018

Were either of your applications eventually approved?

Anonymous · ‎02-06-2018

Sadly none of them (2*2) were approved.

Anonymous · ‎12-16-2018

That's Chase for ya and it just dawned on me the name... CHASE! Try again in 2020. Wish I could say more...

SomewhereIn505 · ‎12-17-2018

@Anonymous wrote:
So on 1/31 I apped for the Disney Premiere Visa card and recieved the 30 day message. A few minutes later just for poops and giggles , I apped for the Disney Visa card (as opposed to the Disney PREMIERE Visa) and recieved the same 30 day message. I called the status line and was told that my first app had the two week message and the second app had the 7-10 day message. I later read online that back-to-back apps with Chase sometimes results in an automatic denial of the second app. No biggie. I was excited to get the two week message because I've read that it pretty much means you're approved.

Fast forward to 2/5. I get two separate denial letters each with it's own unique reference numbers via snail mail with a date of 2/1. But the automated line continues to say two weeks. I'm confused now and have four questions.

Why does it say 2 weeks when they clearly made up their minds to deny me only 1 day after I apped??

Should I wait it out until the 14th day before calling recon, just to be 100% sure?? I've heard the horror stories of rocking the boat with Chase while apps are pending.

If this has happened to anyone else, then can you tell me if it's going to continue to say two weeks up until the app finally hits 30 days and is no longer on file?

And what do you think my Chances are of getting it approved on recon?? Any and all feedback would be appreciated.

Denail letter has a 691 credit score and basically says I have too many inquiries. 10 total inquiries including the HP that they're using right now. 7 of the 10 inquires are from Dec 1st 2017 to Jan 31, 2018.

I have the Amazon Prime card (Apr 2017) and the CFU (Dec 2017) and they're in good standing and 0 balanced and from what I understand, the Disney card isn't subject to Chase's 5/24 rule. This is my first time apping for Chase since Dec 1st. Thus, I'm not in violation of the 2/30 rule.

EQ: 6% utilization, 100% payment history, 0 derogatory marks, 3 year age of credit history, 20 total accounts (1 car, 8 student, 5 open CC's, and 6 closed CC's).

Thanks.

I think recently Chase updated Disney card to be subject to 5/24. 😖

3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789

kdm31091 · ‎12-17-2018

@SomewhereIn505 wrote:
@Anonymous wrote:
So on 1/31 I apped for the Disney Premiere Visa card and recieved the 30 day message. A few minutes later just for poops and giggles , I apped for the Disney Visa card (as opposed to the Disney PREMIERE Visa) and recieved the same 30 day message. I called the status line and was told that my first app had the two week message and the second app had the 7-10 day message. I later read online that back-to-back apps with Chase sometimes results in an automatic denial of the second app. No biggie. I was excited to get the two week message because I've read that it pretty much means you're approved.

Fast forward to 2/5. I get two separate denial letters each with it's own unique reference numbers via snail mail with a date of 2/1. But the automated line continues to say two weeks. I'm confused now and have four questions.

Why does it say 2 weeks when they clearly made up their minds to deny me only 1 day after I apped??

Should I wait it out until the 14th day before calling recon, just to be 100% sure?? I've heard the horror stories of rocking the boat with Chase while apps are pending.

If this has happened to anyone else, then can you tell me if it's going to continue to say two weeks up until the app finally hits 30 days and is no longer on file?

And what do you think my Chances are of getting it approved on recon?? Any and all feedback would be appreciated.

Denail letter has a 691 credit score and basically says I have too many inquiries. 10 total inquiries including the HP that they're using right now. 7 of the 10 inquires are from Dec 1st 2017 to Jan 31, 2018.

I have the Amazon Prime card (Apr 2017) and the CFU (Dec 2017) and they're in good standing and 0 balanced and from what I understand, the Disney card isn't subject to Chase's 5/24 rule. This is my first time apping for Chase since Dec 1st. Thus, I'm not in violation of the 2/30 rule.

EQ: 6% utilization, 100% payment history, 0 derogatory marks, 3 year age of credit history, 20 total accounts (1 car, 8 student, 5 open CC's, and 6 closed CC's).

Thanks.
I think recently Chase updated Disney card to be subject to 5/24. 😖

I think all Chase cards are under 5/24 now (haven't seen concrete data on AARP or Amazon, but otherwise, yeah).