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Just app'd for the Chase World of Hyatt card and they only pulled Experian (689)..
However, it gave me a message saying they'll let me know the decision as soon as possible, but without a time limit.
No 7 days or 30 days message..
How screwed am I from getting the card?
Welcome to the forums, @Anonymous
Call the status line and see what message comes up from there. Phone number is 1-800-432-3117. As for your chances hard to say solely based on your EX score without more details like your current cards, utilization, any derogs, and so on
@simplynoir wrote:Welcome to the forums, @Anonymous
Call the status line and see what message comes up from there. Phone number is 1-800-432-3117. As for your chances hard to say solely based on your EX score without more details like your current cards, utilization, any derogs, and so on
Called the automated line and my app status is 2 weeks.
Also, currently at 18% utilization across all my cards.
Cap1 QS 5y1mo.
BoA CR 5yo.
Chase FU 3y3mo.
CSP 3yo.
Citi DC 2y6mo.
I had a 60 day late on my car loan exactly 2 years ago which has since been paid off and closed.
I also got a personal loan about 2 months ago.
@Anonymous wrote:Currently at 18% utilization across all my cards.
Cap1 QS 5y1mo.
BoA CR 5yo.
Chase FU 3y3mo.
CSP 3yo.
Citi DC 2y6mo.
I had a 60 day late on my car loan exactly 2 years ago which has since been paid off and closed.
I also got a personal loan about 2 months ago.
You might be borderline there. What did the automated line say regarding your application?
@simplynoir wrote:
@Anonymous wrote:Currently at 18% utilization across all my cards.
Cap1 QS 5y1mo.
BoA CR 5yo.
Chase FU 3y3mo.
CSP 3yo.
Citi DC 2y6mo.
I had a 60 day late on my car loan exactly 2 years ago which has since been paid off and closed.
I also got a personal loan about 2 months ago.
You might be borderline there. What did the automated line say regarding your application?
It says "you will be notified of your application in writing in 2 weeks".
If I do get denied for this app, how long do you recommend I wait before app'ing again for the same card?
@Anonymous wrote:
@simplynoir wrote:
@Anonymous wrote:Currently at 18% utilization across all my cards.
Cap1 QS 5y1mo.
BoA CR 5yo.
Chase FU 3y3mo.
CSP 3yo.
Citi DC 2y6mo.
I had a 60 day late on my car loan exactly 2 years ago which has since been paid off and closed.
I also got a personal loan about 2 months ago.
You might be borderline there. What did the automated line say regarding your application?
It says "you will be notified of your application in writing in 2 weeks".
If I do get denied for this app, how long do you recommend I wait before app'ing again for the same card?
Based on the flowchart a 2 week message might be verification at this point. I would call the status line at the end of the week and see what the message changes to if anything. If it's still the same or you haven't gotten an approval from them you could call them up and see what is holding up the application; might be verification or another issue they want cleared up before proceeding.
If it comes back as denial then it might that your derogatories are holding you back from getting any more cards from Chase at this time. Might give them 3-6 months before trying again.
Sounds like a plan. Good luck and keep us posted!
I got approved for the card in July and got a similar message. It took a week to get approved, never called recon. When I got approved, I never got an e-mail; it was the automated application status line that informed me. If you get disapproved, give Chase a breather for a few months. Get your scores up and you should be golden early next year. Fingers crossed on the approval!
@simplynoir wrote:
@Anonymous wrote:
@simplynoir wrote:
@Anonymous wrote:Currently at 18% utilization across all my cards.
Cap1 QS 5y1mo.
BoA CR 5yo.
Chase FU 3y3mo.
CSP 3yo.
Citi DC 2y6mo.
I had a 60 day late on my car loan exactly 2 years ago which has since been paid off and closed.
I also got a personal loan about 2 months ago.
You might be borderline there. What did the automated line say regarding your application?
It says "you will be notified of your application in writing in 2 weeks".
If I do get denied for this app, how long do you recommend I wait before app'ing again for the same card?
Based on the flowchart a 2 week message might be verification at this point. I would call the status line at the end of the week and see what the message changes to if anything. If it's still the same or you haven't gotten an approval from them you could call them up and see what is holding up the application; might be verification or another issue they want cleared up before proceeding.
If it comes back as denial then it might that your derogatories are holding you back from getting any more cards from Chase at this time. Might give them 3-6 months before trying again.
Great flowchart. Thank you