Chase Recon Ritz Carlton Card Thoughts....

[Anonymous]

I will put it this way, hanging up and trying again is a very common strategy on these boards AND there is actually a acronym for it that I can't for the life of me remember....HUCA/HUTA? I can't remember but there is one, ha! 

You seem defeated/drained from the denial so why not sleep on it and see what you want to do in the morning. Cheers!

[rhapsody1]

I guess I didn’t think you could get an agent to overturn something like this that easily.

I also thought the Ritz card was not included in the 5/24 chase rule. That’s why I specifically
applied for it.

The agent seemed to rationalize his decision to decline me based on my new accounts in the last year. I didn’t think chase co brand cards were so strict on that. Particularly if the income is higher and the score is up.

[CreditCuriosity]

Chase doesn't really deal with BK's on your file anymore until it is off your report.  So it certainly doesn't hurt to recon, but as of about a half year ago or more Chase apparently isn't approving anyone with a BK on their file.

[Anonymous]

Wow good to know. I knew Chase and AMEX were a little sensitive when it came to BK's but dang!

@OP, if I were in your shoes I would try one more time to recon and if no dice, like I said, you already to have two new cards to take for a spin 

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@CreditCuriosity wrote:

Chase doesn't really deal with BK's on your file anymore until it is off your report.  So it certainly doesn't hurt to recon, but as of about a half year ago or more Chase apparently isn't approving anyone with a BK on their file.

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[rhapsody1]

Amex then is generous compared then to chase post 8 years bankruptcy 

[rhapsody1]

The other weird thing is I noticed the recon agent didn’t review my income or other details.   Thought that was odd.  Just immediately fixated on the app spree after the bankruptcy questions 

[FinStar]

Since the application auto-declined based on the cited reasons, there would've been no requirement by the analyst to review that information.

As @CreditCuriosity mentioned above, as long as BK is present on your CRs, Chase won't be able to overturn or reconsider their original position.