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Chase IHG App - 30 Day Message

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mysterythemoon
Regular Contributor
‎03-08-2018 03:55 PM
‎03-08-2018 03:55 PM

Chase IHG App - 30 Day Message

710 EX FICO (Chase pulled it the second I app'ed). Already have the CSP with a zero balance. 11% Util. 87k income. 12 inq (three in the last six months). No baddies. Well over 5/24 but from what I understand that's irrelevant to the IHG. 

 

Got the 30 days message. Called a recon number immedately and was told that it was too early in the process to see any details. 

 

What do you guys think are my chances here? How long before I call again? I heard a 30 day notice is a positive over the 7-10 day one.  

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL 2018 CREDIT LINE: $61,200

JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.

CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)

SPRING 2026
ALL BADDIES DROP
Message 1 of 8
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trant3
Established Contributor
‎03-08-2018 05:25 PM
‎03-08-2018 05:25 PM

Re: Chase IHG App - 30 Day Message

@mysterythemoonwrote:

710 EX FICO (Chase pulled it the second I app'ed). Already have the CSP with a zero balance. 11% Util. 87k income. 12 inq (three in the last six months). No baddies. Well over 5/24 but from what I understand that's irrelevant to the IHG. 

 

Got the 30 days message. Called a recon number immedately and was told that it was too early in the process to see any details. 

 

What do you guys think are my chances here? How long before I call again? I heard a 30 day notice is a positive over the 7-10 day one.  

Sounds like a pretty good chance to me, I'd expect a $10k+ SL. 

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k
Message 2 of 8
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Anonymous
Not applicable
‎03-09-2018 04:48 PM
‎03-09-2018 04:48 PM

Re: Chase IHG App - 30 Day Message

Chase usually HPs one bureau and SPs another. In my case they HP TU and soft EX for my IHG. Any baddies/issues on TU or EQ? If they are consistent and not reporting anynegative information, I also believe you have a strong chance of approval.

Message 3 of 8
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chaos51
Regular Contributor
‎03-09-2018 07:40 PM
‎03-09-2018 07:40 PM

Re: Chase IHG App - 30 Day Message

@mysterythemoonwrote:

710 EX FICO (Chase pulled it the second I app'ed). Already have the CSP with a zero balance. 11% Util. 87k income. 12 inq (three in the last six months). No baddies. Well over 5/24 but from what I understand that's irrelevant to the IHG. 

 

Got the 30 days message. Called a recon number immedately and was told that it was too early in the process to see any details. 

 

What do you guys think are my chances here? How long before I call again? I heard a 30 day notice is a positive over the 7-10 day one.  

I think you'll be fine. I was instantly approved for the Chase Hyatt card today with an EX score that's 5 points higher than yours, 9 INQs (none in the last 6 months), WELL over 5/24, but my util gets rounded up to 1% and the one card that is reporting a balance is $500 / $20,000. My income is about $10,000 higher. I was approved for the Ritz with A LOT more RECENT new accounts and INQs and it wasn't a borderline approval either. Any cards have high util that make up your 11% total? Good Luck!

 

*EDIT* I don't know if it matters, but the only other big difference that I can think of is that you have 1 more card than me, but a little over $100,000 less in credit lines. Maybe they are checking out if they want to give you more credit, while they're already one of your highest limits / most exposure?

Total Revolving Credit Limit: $306,900
Pay Over Time Limit: $85,000
Fico 8 Scores: Ex: 751, TU 751, EQ 741
Message 4 of 8
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Anonymous
Not applicable
‎03-10-2018 09:05 AM
‎03-10-2018 09:05 AM

Re: Chase IHG App - 30 Day Message

The 30 day message is usually a good sign.

Message 5 of 8
Anonymous
Not applicable
‎03-10-2018 10:00 AM
‎03-10-2018 10:00 AM

Re: Chase IHG App - 30 Day Message

Apped for chase amazon got the 30 message and the next day got the approval. 

Message 6 of 8
Anonymous
Not applicable
‎03-10-2018 10:34 AM
‎03-10-2018 10:34 AM

Re: Chase IHG App - 30 Day Message

When I applied for the Chase Amazon I received their 30 day message. It was late Saturday night. It stayed with the 30 day message for a few days. Then turned to a 7-10 day. I received the letter in the mail for sure thinking it was a denial. But, it was just them stating an application had been done using my social and to call them for verification. I called and within 10 mins was approved. All the lady did was ask for my phone number and sent me a text with a code to read off to her. That was their verification for me. Which doesn't seem like much, considering she asked me for the number to send it to.🙄. But, I was thrilled to get my Amazon Visa Signature 😁
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Anonymous
Not applicable
‎03-10-2018 11:13 AM
‎03-10-2018 11:13 AM

Re: Chase IHG App - 30 Day Message

Great:  Instant approval

Good:  30 day message, 2 weeks message on automated line

Bad (most of the time):  30 day, 7-10 day on automated line

 

 

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