Chase Ritz Approval Odds?

[Anonymous]

Which number? Verification? That way it would be a transfer to lending if they were trying to get me over there?

[Anonymous]

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@Anonymous wrote:

You must have a patience of a saint.  If I were you, I'd just see call and check in to see if anything "else is needed to finish the processing of your application".  Here you are just fishing for info if you know what I mean...

But it is up to you of course..

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Well things keep getting weirder. Called the App Status # (message still says 2 weeks).  Took option to speak with a customer service rep. Asked her if there was any other information they needed in order to process the application.  She said that it doesn't show they need any additional information.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

You must have a patience of a saint.  If I were you, I'd just see call and check in to see if anything "else is needed to finish the processing of your application".  Here you are just fishing for info if you know what I mean...

But it is up to you of course..

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Well things keep getting weirder. Called the App Status # (message still says 2 weeks).  Took option to speak with a customer service rep. Asked her if there was any other information they needed in order to process the application.  She said that it doesn't show they need any additional information.

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What number did you call?  You don't call customer service for that.

[Anonymous]

Called the App Status Number from Backdoor Numbers Sticky that had option to speak with a rep after listening to status of application. She saw the Ritz-Carlton App and the Declined Freedom Unlimited App from May. Said that it didn't show they needed any additional info.

***EDIT*** just checked status on automated system again, still giving 2 week message...smh

[Anonymous]

Went back and checked dates. I applied on Friday 9/23 at 4:00 pm. It gave me a 30 day message. They hard pulled EQ and EX on 9/23, the day I applied. I called the automated line on Saturday 10/1 and it said I was approved with a SL of $10k. I called back this morning just to make sure I heard correctly and the message had changed. It said my account balance was $450 with available credit of $9,550. They waste no time whacking you with the AF!

Both EQ and EX have my foreclosure from 2014 on them. It's already fallen off TU and is scheduled to come off EQ and EX in December. I should of had patience and waited to app. Also EX had 19 inquiries 13 last 12 months. EQ has 9 inquiries. 7 or 8 new accounts showing on both and both Fico 8s are just shy of 700.

[Anonymous]

Thank you for the details...so everyone knows I'm not out of my mind LOL...

I also checked through all the soft inquiries on all 3, and most recent was Chase on EX as of 9/21 which is normal, usually sometime around the 20th they soft pull Experian, have since account was openend.

EXPERIAN AS OF 4:15 PM EASTERN TIME 10/3/2016

TRANSUNION AS OF 4:15PM EASTERN TIME 10/3/2016

[Anonymous]

So they pulled yours at time of application. I applied at 7:30 am on Saturday. SO even if there was delay in a HP showing up on any of the bureaus they would have shown by now. I also have not received an email from Chase Regarding the application, which most people have reported getting within an hour or so of applying and needing further review?

[Anonymous]

 I received the email within 10 minutes.

[Anonymous]

Great Info. Really nothing I can do except wait. Haven't been able to find a situation similar to mine. Unless its a security / verification issue and they want to verify it's me before making the hard inquiry? 

[CreditCuriosity]

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@Anonymous wrote:

Great Info. Really nothing I can do except wait. Haven't been able to find a situation similar to mine. Unless its a security / verification issue and they want to verify it's me before making the hard inquiry? 

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Nope they have no issues doing a HP.... Going to have to wait for the letter.. As stated my guess was a locked EQ report and a clueless CSR as the HP would of shown on one or more or your CR's...  See what the letter states that hopefully you will get this week.  Or you can always try calling again, but as suggested depeding how much  new credit you have gotten is possibly playing with fire (being auto denial if you speak with lending)...