Got denied a CSP because someone else used my SSN to get the signup bonus. Now What?

[Anonymous]

Tried applying for the CSP today and got an instant rejection. I tried calling up the reconsideration hotline, and was told I was automatically rejected because I received the signup bonus when I got my CSR 2 years ago. However, I've never had a CSR or a chase card in general. I told the person talking to me.

After some digging, I was told that someone used my SSN when applying for a CSR. The mistake was eventually fixed (I guess why I've never seen this on a credit report before), but the signup reward was still credited to my SSN so there is literally nothing they can do to approve me for the card, and I just will have to wait until 2021 and the 48 months are up.

Do I have any options, or am I really out of luck?

[Anonymous]

Probably out of luck. Seems like an odd reason to outright deny the card though versus just denying the SUB like Amex. 

[Anonymous]

Pretty upsetting - really dumb system they have if they can't possibly override or fix an error lol

[Anonymous]

How are your FICO scores? Any late payments, collections, bankruptcy history?

It just really seems odd to deny based on a SUB, especially if the issue was fixed in the system. 

[Anonymous]

FICO is good 750-800, no late payments. Only 1 credit card for 4.5 years with a $2K limit though. 

However I was told there was no hard inquiry ever done so that's good. From what I was told, they fixed the CC being under the wrong SSN, but the SUB was credited to my SSN and there's no way to fix it. She said she tried to force approve me but the system didn't allow her.

[Anonymous]

I'm not sure we are getting the whole story.

[Anonymous]

I've provided pretty much all the information I have. Unless you meant from Chase?

[LittleSal]

I would pass on Chase if I was you. Plenty of other lenders out there!

[Anonymous]

yeah seriously. Anything you'd recommend? The Chase Trifecta seemed like a good way to go - but right now I'll happily choose someone else to go with.

Do you have any recommendations? An amex seems pretty solid, but I feel like it's accepted in less places and I'd prefer a visa or mastercard.

[LittleSal]

I highly recommend AMEX. I just added the Cap One Savor.

What cards and limits do you currently have?