Chase freedom denied due to fraud

[Anonymous]

Hi guys I applied for Chase Freedom Thursday when I became 4/24. 

I got the "we received your application" email. 
I called back the next day, rep confirmed some detail, said it was cleared and she will send it off to UW. 

Saturday, I received an email saying it was denied due to "too many requests for credit or accounts with us"

naturalky I called the recon line, rep says it's stuck in fraud Dept. I'll have to call back on weekday. I ask her how could it be stuck in fraud Dept if I've received a letter of denial already? She says it is there and she really doesn't know. 

does this make sense? 

I did get approved for Chase Ink two days ago but business card shouldn't have any impact. 

HP on Equifax (due to business pull and freedom is now at 8- 

1 jpmc back in October 2019

1 Charles Schwab back in May 2019

1 Barclay in Jan 2019

3 HP for auto loan shopping on same day December 2018

does Chase Reps statement make sense? 

[CreditInspired]

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@Anonymous wrote:

Hi guys I applied for Chase Freedom Thursday when I became 4/24. 

I got the "we received your application" email. 
I called back the next day, rep confirmed some detail, said it was cleared and she will send it off to UW. 

Saturday, I received an email saying it was denied due to "too many requests for credit or accounts with us"

naturalky I called the recon line, rep says it's stuck in fraud Dept. I'll have to call back on weekday. I ask her how could it be stuck in fraud Dept if I've received a letter of denial already? She says it is there and she really doesn't know. 

does this make sense? 

I did get approved for Chase Ink two days ago but business card shouldn't have any impact. 

HP on Equifax (due to business pull and freedom is now at 8- 

1 jpmc back in October 2019

1 Charles Schwab back in May 2019

1 Barclay in Jan 2019

3 HP for auto loan shopping on same day December 2018

does Chase Reps statement make sense? 

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As the letter stated, it was declined due to too many requests for credit, not fraud. I think fraud entered the equation because you had applied for quite a few cards in a short period of time. 

[Meanmchine]

Good luck

[Anonymous]

Update: 

so I was not happy with the first rep. I did the hang up and call again.

this time I got a better rep. She walked me through, looked at it and got a senior guy on the phone. 
he told me it was because I had just gotten a chase ink a couple days ago. 
* EVERYTHING I READ HERE TOLD ME BUSINESS APP AND PERSONAL APP was considered differently.

when I mentioned above he said "no sir we look across the entire chase spectrum. Wether it's business or not."

I kindly ask the gentleman if there is anything I can do since I love chase products and want to give them the business. 
meh conducts a manual review, hold for a few min, comes back asks some security questions, hold for a few min, goes over my credit report asking about each cards and asks why I have balance on 5 of my 13 cards.(why does this matter? My utilization is at 7% 🤷🏻‍♂️ And it's on 5! Out of 13!! I have 7 with ZERO balance )

I tell him:

two are my airline cards I use for miles for Delta and AA,

one is my sofa,

1 is my 0% apr balance transfer card,

1 is my amazon prime I buy household stuff other is my CSR that I use for travel and dining.

he goes "oh ok that works" I hold for a few more minutes. He comes back and was like "ok I did my review and submitted my approval on my end and will send to UW for final approval, you will get a letter in 7-10 days."

this is the weirdest application process ever for me and generally, I thought senior guy did the final approval. 

yout thoughts? 

[CreditInspired]

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@Anonymous wrote:

Update: 

so I was not happy with the first rep. I did the hang up and call again.

this time I got a better rep. She walked me through, looked at it and got a senior guy on the phone. 
he told me it was because I had just gotten a chase ink a couple days ago. 
* EVERYTHING I READ HERE TOLD ME BUSINESS APP AND PERSONAL APP was considered differently.

when I mentioned above he said "no sir we look across the entire chase spectrum. Wether it's business or not."

I kindly ask the gentleman if there is anything I can do since I love chase products and want to give them the business. 
meh conducts a manual review, hold for a few min, comes back asks some security questions, hold for a few min, goes over my credit report asking about each cards and asks why I have balance on 5 of my 13 cards.(why does this matter? My utilization is at 7% 🤷🏻‍♂️ And it's on 5! Out of 13!! I have 7 with ZERO balance )

I tell him:

two are my airline cards I use for miles for Delta and AA,

one is my sofa,

1 is my 0% apr balance transfer card,

1 is my amazon prime I buy household stuff other is my CSR that I use for travel and dining.

he goes "oh ok that works" I hold for a few more minutes. He comes back and was like "ok I did my review and submitted my approval on my end and will send to UW for final approval, you will get a letter in 7-10 days."

this is the weirdest application process ever for me and generally, I thought senior guy did the final approval. 

yout thoughts? 

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Wow, you are persistent, I will give you that. 😁 My first question though--since Chase loves to HP, are they pulling every time you ask for a review? I seriously hope not because I count 3. 

Second, individual aggregate counts just as much as total aggregate--that's why it matters and that's why you hear the AZEO method a lot, and especially prior to applying for additional credit. Lenders do not want to see a balance on many CCs. 

Finally, I hate that 7-10 day letter. So, again, I think it's a decline but I wish you luck. 

[Anonymous]

Update: recon successful for $12.5K CL at 16.59APR after intro👍🏼👍🏼👍🏼 Persistence pays off 

[Anonymous]

Chase only HP-ed me for the original inquiry. 
so I have 1 for chase ink (approved) and now another one for very next day for Freedom. 
which is also approved, phew. 

[blindambition]

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@Anonymous wrote:

Update: recon successful for $12.5K CL at 16.59APR after intro👍🏼👍🏼👍🏼 Persistence pays off 

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Congrats on your successful recon.

[AllZero]

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@Anonymous wrote:

Update: recon successful for $12.5K CL at 16.59APR after intro👍🏼👍🏼👍🏼 Persistence pays off 

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Congratulations on your approval and reconsideration!

IBTL

[mikesonthemend]

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@Anonymous wrote:

Update: recon successful for $12.5K CL at 16.59APR after intro👍🏼👍🏼👍🏼 Persistence pays off 

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Congrats!