Chase Freedom - why was I not instantly declined?

[Creditaddict]

Yes you were lucky there is a status line to call if you want to check if it is in verification you don't want to call into landing and less you are prepared to talk to them and manual review and I can tell you from experience I've gone through manual review and two applications were declined and within 40 days of those I let applications go through the computer system and I was approved!!

[elim]

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@Anonymous wrote:
I think my point is missed despite my perception of why I was approved being potentially wrong.

The majority of what Ive read around here says don't call. Period.

I'm saying call...and ask if there's anything you need to do to facilitate the process. Not ask if youre approved or denied. I spoke with lending both times and all they did was check the status and refer me to verification. So in calling lending...I couldve risked being denied if the system didbt auto approve me?

What are the odds of getting approved automatically but the same app not getting approved when reviewed by a manual UW?

If not approved automatically...whats chase's process? Would it end up reviewed by a human at some point?

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  This has been studied here many times over the past year (and proven many times IMHO)...  Profiles like ours (a lot of posters here have many more accounts than the average joe) may do better when staying away from Chase's manual review.  I'm sure this does not affect everyone.

[Anonymous]

I was editing when you posted. I know about the status line.

I guess I was the luckiest mofo this past week then since two apps were aporoved when calling into lending.

In those 40 days thats passed since your declines...no positive changes to your credit report? You applied for the same cards?

Not trying to be an ass...just trying to figure out their process...which I assume is like trying to understand the cosmos.

It is annoying having only seemingly anecdotal evidence...blame my job.

[Creditaddict]

Yeah even I don't get the proves and how each co branded card seems to give different lines... I have gotten my highest approval cards after being denied like 2 in a row and I have a ton of new accounts and inquiries.

[Anonymous]

Haha. Where's the head explode smiley?!

Anyway. OP keep the faith

[Anonymous]

I feel that should be said more often rather than telling everyone to not call in. Essentially if your profile actually supports the app, call in. If they ask you 49 questions and you have 49 good answers and they still decline you, you would've been declined anyway. Yeah if they ask why you opened this and that card and you say something along the lines of, I couldn't resist the bonus and now I never use the card, their gonna shoot you down in a blaze of glory. If you've got triple your income and 3 new cards in the last 3 months you probably shouldn't be applying(and hoping for an approval) anyway.
I think my issues just with until someone questions the chase rule, everyone repeats it as fact to not call, without actually inferring. Yeah it won't hurt to wait, but when random guy that isn't a "typical" fico poster with 10 synchrony cards and a full lineup of cards the spectrum of the rainbow is told to wait, that just seems silly.

[Creditaddict]

That post is so full of personal opinion and wrong information it's worse than just telling everyone not to call!!!

[Anonymous]

I got the 7-10 day message, waited 3 days then called, was told it was a denial because of too many recent inquiries, high utilization and age of accounts. I asked for reconsideration right away and she said ok.. She put me on hold for a couple mins and got back on the line and said,"it looks like there was enough positives on your report to go ahead and push it through for an approval". I was then transferred to verifications and finally told, "congrats". In my case, I'm glad I called in instead of waiting.

[Anonymous]

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@Anonymous wrote:

I was editing when you posted. I know about the status line.

I guess I was the luckiest mofo this past week then since two apps were aporoved when calling into lending.

In those 40 days thats passed since your declines...no positive changes to your credit report? You applied for the same cards?

Not trying to be an ass...just trying to figure out their process...which I assume is like trying to understand the cosmos.

It is annoying having only seemingly anecdotal evidence...blame my job.

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Isn't that exactly what you're using to defend your position?