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That's what I figured, just was random musing. I've got no further goals so after this is just more gardening.
@Anonymous I really hope you get it.
Fingers crossed all the way for you!
I remember that thread one bit.
I am now in a Chase battle trying to get an rewards that will benefit me. I am stuck until June to stab Chase again.
Here's a fun anecdote... After I got home yesterday, the same day applying for the CSP, I find an invitation from MasterCard for their "Black Card" with a set apr of 16.25% in my mailbox. If I can get "invitations" from MasterCard for a more luxurious card than what I'm applying for and Chase declines me.... What will that say?
.... Probably that Chase hates me. *shrug* automated line still saying 30 days, so at least it's going to an underwriter.
The Black Card from Barclay?
You'd rather get the card you're waiting on the approval
@Anonymous wrote:The Black Card from Barclay?
You'd rather get the card you're waiting for
I have no desire for the black card (unless it says Amex... )
Hrm, well got an update. Automated line moved to the 7-10 days... I bet it's a denial with a "Previous unsatisfactory relationship" reasoning. That's what they told me last time when they closed my 0 balance CFU.
@Anonymous wrote:Hrm, well got an update. Automated line moved to the 7-10 days... I bet it's a denial with a "Previous unsatisfactory relationship" reasoning. That's what they told me last time when they closed my 0 balance CFU.
More than likely since it's doubtful 'verification' may be required at this point given you previously had accounts with Chase.
Update your thread with the outcome either way. This can help others with a similar situation.
@FinStar wrote:
@Anonymous wrote:Hrm, well got an update. Automated line moved to the 7-10 days... I bet it's a denial with a "Previous unsatisfactory relationship" reasoning. That's what they told me last time when they closed my 0 balance CFU.
More than likely since it's doubtful 'verification' may be required at this point given you previously had accounts with Chase.
Update your thread with the outcome either way. This can help others with a similar situation.
Got an update and a data point... Apparently they must have changed internal policy. My deniel reasons are as follows:
Insufficient credit information
Oldest revolving account has not been opened long enough
My Oldest card has been open for 3 years, 4 months... hrm. Called in and spoke with a very bored sounding woman with a monotone voice (Mod cut - not here, please - per forum guidelines). She told me the same thing the letter did, and said the oldest one showing that 'qualified' was my Synchrony card. Since it requires at least 5k, she couldn't give me the 5k required to open the card.
My guess: Now they only consider cards over the starting CL of the one you're applying for, so they completely ignored all my other cards and based my credit profile on my paypal card alone. Which is a $10k card opened exactly one year ago. I had mentioned my other cards and she said the synchrony card was the only one showing on the application until she looked at my report and mentioned since none of my others were 5k, they didn't qualify to apply for the CSP.
Edit: Score on denial letter was Equifax on 02-19-2020: 728