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Chase Sapphire CLI Request pending second analyst review?

Established Member

Chase Sapphire CLI Request pending second analyst review?

Anyone dealt with this? I apped for a $9000 CLI request on 9/5. Got the 30 day message on the automated system. Figured good to go with that message as opposed to 7-10 day message. Been checking periodically over the past week. Yesterday (9/12) afternoon, the automated message changed to 7-10 day. I assumed it was denied. Called in to speak to recon. Analyst confirmed request was denied. I plead my case with her. Explained my reason for the request along with reasons to support it. (ie. Income, ratios, history, etc.) Was convincing in every aspect of the call. She put me on hold, came back, and asked me 2 questions about my cbr. Again, convincing responses on both questions. She sounded satisfied with every response! Said let me place you on brief hold while "I finish this up". At this point, I fully expected her to come back on the line to let me know I was now approved for the increase! Instead, she told me that she has recommended an approval, but that it will be approved pending a review by a second analyst?? She told me that it could take 24 to 48 "business hours" to complete the review??? What? What the hell does that mean? So, not sure what to do now. Why if she has the power to overturn a decline did she pass the buck? I will tell you that right after the call, I checked the status line message, and it had already changed back to the 30 day message! I am now convinced that if you get the 7-10 day message, it is a decline!

Any advise or similar experience with this situation guys? Does a second review yield approvals, or did she not have the heart to decline me after my award winning recon performance? lol

Thanks to everyone on the forums!
Message 1 of 8
7 REPLIES
Community Leader
Super Contributor

Re: Chase Sapphire CLI Request pending second analyst review?

I have to go though this with ANY app for Chase, but mine is because of the BK. From what I gather it gets sent off to a senior UW for final approval. That way 2 sets of eyes see the file. I mean 24-48 hours doesn't seem like too much of a wait. Sit tight and good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 2 of 8
Established Member

Re: Chase Sapphire CLI Request pending second analyst review?

Thank you for your response! This is the only bank that makes it such a dramatic event!

 

Just to clarify, I was not complaining about the 24-48 hour wait! I got a decline overturned to an approval pending review!  I just found it comical that she said 24-48 "Business" hours. I 'd never heard of "business hours" used before. Was thinking 8 business hours in a day, it could take up to six business days for a final decision on a CLI. Anywho..

Message 3 of 8
Community Leader
Super Contributor

Re: Chase Sapphire CLI Request pending second analyst review?


FICO_What wrote:

Thank you for your response! This is the only bank that makes it such a dramatic event!

 

Just to clarify, I was not complaining about the 24-48 hour wait! I got a decline overturned to an approval pending review!  I just found it comical that she said 24-48 "Business" hours. I 'd never heard of "business hours" used before. Was thinking 8 business hours in a day, it could take up to six business days for a final decision on a CLI. Anywho..


Haha, I get it now Smiley Happy For what it's worth, all three times my app was sent off with a recommendation to approve - it was

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 4 of 8
Established Member

Re: Chase Sapphire CLI Request pending second analyst review?

That is great news! Thanks for the positive feedback, and I will keep the fingers crossed!

Message 5 of 8
Established Member

Re: Chase Sapphire CLI Request pending second analyst review?

Go to Hell Chase!

Message 6 of 8
Regular Contributor

Re: Chase Sapphire CLI Request pending second analyst review?

What happened?


Message 7 of 8
Valued Contributor

Re: Chase Sapphire CLI Request pending second analyst review?


McLarenII wrote:
What happened?

With a comment lke GTH, im guessing a denial.....

 

That bites if its the case..

 

-J

 

Message 8 of 8