Multiple Recons for CSP - HELP!

[Mav2246]

I agree. Is there anything I can do? 

[OmarGB9]

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@Mav2246 wrote:

I agree. Is there anything I can do? 

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I would let it go and garden. Try to grow your other lines to $5k minimum, then try again.

[Anonymous]

@Mav2246 Sorry about the initial denial! I don't have much experience with Chase so you can take my advice with a grain of salt. I would advise gardening and trying again after all your new accounts have hit at least a year.

You have 3 accounts that were opened this year and your recent chase approval has a low SL indicating that you just barely made it in the door.

I have heard that Chase doesn't like to be the first to give you a large limit. It might be wise to either grow your cards or pursue your other goal cards after some time has passed.

You've been given some good advice above imo.

Good luck with whatever you decide.

[FinStar]

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@Mav2246 wrote:

I gotcha. I mean I have read of people reconning like 10+ times or until they got approved. I'm guessing you don't recommend that?

So should I let it go and garden then? Or try to move on to AMEX to get one of their sign-up bonuses?

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Echoing a variety of the advice already given, it's best to let it be @Mav2246.  You've called multiple times without success and each time you call there's a record/notes of the conversations.

In the past, there was more flexibility with Chase reconsiderations, but that ship has sailed and these days they usually allow one opportunity for re-review (not multiple). 

[Harvey26]

@Mav2246  Have you considered AMEX?

[kdm31091]

I would just let it go. I think the chance is extremely slim as far as having it overturned. Most banks are moving away from manual reconsiderations and whatever the computer spits out typically stands unless there is an actual error on your credit report etc. While Chase does allow you to speak to an analyst still, it seems unlikely the answer would change after the first or maybe second attempt.

[Anonymous]

Just try wait it out and app again 

I don't think 7 inquires is an issue rather than an excuse, I append for the United card in September got denied to high balances across 3-4 cards which I had use for business purpose in March April may due to covid 

since then I have paid them off in October 

After being denied in September and paying off my balances in full in October, 

I apped 11/30 got approved through recon for the same card United explorer

then apped for United business card 12/11 got approve through recon no question asked just rep went over the app and approve me with asking anything 

I had like 6 HP on Equifax on first try and maybe 7/8  on Equifax and 11-12 on Experian so I don't think 7 inquire in 2 year was issue rather an excuse

advice would be to put spend on your other chase card and pay off and cycle the card allow them to automatically increase your limit  and apply in maybe 6 month 

might also help if u could get checking account with them, sometimes they like prefer when you have a banking relationship 

[Mav2246]

I plan to use AMEX exclusively. I just wanted to finish 5/24 with the CSP and World of Hyatt. 

Wanted to wait for the AMEX Plat 125k targeted offer so I don't leave money on the table. 

[Mav2246]

All really great advice from everybody. Thanks! Im still waiting on a call from Chase EO and then i'll probably let it go and garden.

[Remedios]

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@Mav2246 wrote:

All really great advice from everybody. Thanks! Im still waiting on a call from Chase EO and then i'll probably let it go and garden.

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OP, they gave you Freedom two months ago with their lowest possible limit. 

That right there is kinda clear message from them that they aren't willing to entertain $1.00 over their lowest starting limit. 

"Probably let it go" isn't really helping you any.   You have one formerly secured card whose limit is almost as high as your Freedom. Chase won't play $5000.00 game with you right now.

Stop applying, ask Discover for CLI periodically, and once you approach or exceed $5000.00 try chase again. 

Honestly, you're just wasting your time.