@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
@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.
@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.
Ah, c'mon Rem - That's just because NFCU *IS* awesome, and Chase is, well.... Chase...
#neverchase
@lovelife2 I feel your sentiment about Chase. I too was denied for the same card 2 weeks ago! Reason: too many inq(4)
I got a respond in less then 5 sec and even when I tried to recon, they could not override computers decision. I spend half hour doing the recon, and at the end the clown asked me WHY I want Amazon Prime card!!????
Given they denied your profile for not even 1K SL is stupid. I'm sure they have their formula that would not approve you, but does not escape the FACT that is stupid.
@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.