Wowwwww...that's just crazy. I would never have guessed a denial in your situation. So sorry.
I've been eyeing this card myself, but I'm still 5/24 until September / October. Even then, I still have a ton of inquiries from my auto loan until the end of October. Given how tight lending has become, I will easily wait until the new year for this one. Yikes!
@AverageJoesCredit wrote:
@Remedios wrote:
@AverageJoesCredit wrote:
@lovelife2 wrote:I rarely apply for credit cards, been years, i am very conservative, but decided to go for it, since i shop at Amazon alot, never assumed it would be denied. Chase pulled Experian and Equifiax (i froze them right back). Too many inquiries and new bank account (WF & HYSA Marcus), called and - no budge. 7 point drop on Experian, and 6 point drop on Equifax. I will show lots of love to my Amex BCP/Citi DC which gets lots of business from Amazon. Oh well, i guess i didnt need it. Was gonna go for the Verizon CC, no way. Wont apply for another card for many years. Denials are brutal.
DP's
FICO - 785, 797 & 804
Util -1% to 3%
Total CL $73kIncome $140k
Inquiries 5 each bureau (bought home in 2019, lender pulled reports 5 times in 8 months)
Chase be crazy denying a profile like yours especially after 2 pulls. Dont worry, there are better options than a Bank who has so much money that they can choose with whom to approve, so can you do the same. Discovrr often has good Amazon quarters or even Amazon card by Sync is a good option. It takes a strong MFer to apply many ccs lol and getting used to denials isnt easy unless your name is Average Joe
Well, which lender cannot choose whom to approve?
You're making it sound as if that's something specific to Chase..
I didn't see the same reaction when AimHigh got denied for NFCU card.
In fact, it went something like " NFCU us great, you just need more time"
This is no different
Maybe OP needs more time.
Sorry, i stick by my post. Of course ALL lenders can pick and choose who they want to approve. And im not talking about @Aim_High here. We arent talking about a Chase CSR here but the Amazon card which with a profile such as OPs , should have had a better chance. Im not going to read all of Ops post to find out all details that may have been left out , im going by what i read in op. When i wrote this post i was talking about Chase and my opinion, anyone wants to read past that is free to do so as you have and thats your opinion as i have mine.
I dont see what CSR has to do with anything. Logic would dictate that "strong profile" would get approved for either, unless there is a deeper reason for denial, and I believe OP touched on it later.
It's not just this thread, it's every thread.
NFCU denials are treated as weddings instead of funerals, and there is a clear cult following around that particular lender. That's fine, I'm glad they work for some, but that doesn't mean that other lenders dont work for many either.
There is a clear duplicity in a way people are talked to after NFCU denial and other lenders. When it's NFCU, there is patting on the head, telling whomever all they need to do is be patient, they will come around, while with other lenders its "oh that's crazy, cannot see how they would deny anyone, plenty of fish, their loss"
You are certainly entitled to your opinion, everyone is. The only issue I take with opinions is when it's the case of "They didn't give me what I wanted, so they suck", because that's incomplete story.
Denials are fact of credit life, they happen for various reasons, and no one is safe and/or sheltered from them.
Navy is just as likely to deny as Chase, the only difference is in UW and what rubs that particular lender the wrong way.
The fact they sometimes hand out large SLs had garnered them cult like status. If they stopped, they would become new Capital One.
As far as not reading all the posts, or not asking pertinent questions...that just indicates one's mind is already made up.
Do I go back and read? Sure, but not out of malice. We often dont know that something we thought was unimportant thing happens to be a big deal, like collection popped up, owed money to a bank other lender absorbed, bounced payment because of checking account switch etc.
It's a lot easier to read something that's already been publicly shared, then to interrogate ad infinitum, and irritate someone because of the interrogation that happens when guess work starts.
@randomguy1 wrote:
@lovelife2 wrote:Hi
I dont have any credit cards with Chase...
Here are my current credit cards and limit.
Citi DC - 17,300
Citi Simplicty - 17,000
Amex BCP - 19,000
Discover - 8,000
Alaska FCU Visa - 12000
Amex Green - 0
Forgive me if I may of missed it, when did you open these cards? Approximate month + year?
OP said it's been several years since getting any CC (so 5/24 is not the reason). All inquiries are from their mortgage process last year. Apparently that was the reason for denial, along with a new bank account.