I have two cards with Chase. Freedom and Disney. $1,000 & $3,000. Usually always PIF except when I get the special financing from a Disney trip. I have had both cards 2 years.
Called today to see about a CLI with the Freedom. This is my primary card due to the 5% catergories and always 2%. I usually have to pay it off once or twice mid cycle to free up space on it. My scores are in the low 700 except for TU which is 673. A few things have not updated on it TU yet. The guy I talk with at Chase says they need to pull a report. I asked which bureua as that will determine if I go ahead or not. He said EXPERIAN. I gave my ok. He ask how much I want, I tell him a total of $6,000. He immediately tells me I am declined due to too high of revolving balances. Hmmm. I said ok and knew right away I would call the back door to recon. This is what I had to do 2 years ago when I got the card. Hang up and see I have an alert. New Inq from TU!!!! Click and see it is Chase. Grrrr.
Call recon # and told same thing - to high balance on revolving. I explained that 2 of the cards were at 0% interest and the other 2 were in fact paid off. She said she is concerend about the Lowe's. Has $889 balance on $800 cl. I explained that it was at zero and that I ordered something and the sales person ordered wrong and than ordered the right but it put me over the limit but once the wrong came in they immediately credited my account and than I paid off what I really bought as I use the card for the 5% discount you get when buying (this is updated on EX and EQ). She asked permission to pull another report. I said no as the first guy told me he was pulling Experian and really pulled TU. She said they don't have control over what is pulled that the computer automatically does it. I told her no, don't pull again I don't want to rack up a bunch of inq. She said no one really looks at ing and you wouldn't get declined for having too many. I pointed out that when I first got the Freedom I was infact declined due to too many inq and I had to call and explain they were from mortgage shopping. She than said "Yes, they often decline for having too many ing." What??????? Did you just not tell me that ing don't matter. It was like talking in circles with her and the other guy.
Next she suggest I call back within 30 days and they can review again. I asked if this would involve another credit pull and she said "yes, but it wouldn't count as another." I asked how that would be and she said it would be within the same 30 days but they would pull from something other than TU. I politely declined and said I really do not want to rack up any more inq. She than said to wait 30 days as TU updates my file only once every 30 days. I corrected her and said , No TU updates as often as creditor tell them to. She said no, when we submit they just hold onto the data and do all updates just once a month. I informed her that I do have credit monitoring service and I get updates multiple times a week and sometimes within the same day. I gave the example that Chase updates on teh 5th of each month, Discover on the 8th and Lowe's on the 11th. She proceeded to tell me that I was wrong and she was an expert and that TU only updates a person's file once a month after they get all the information from the various creditors as it takes to long to update daily as the data becomes available.
GRRRR. I love my Freedome card but paying it multiple times a month is becoming a pain. What is the next best rewards card? I am done with Chase Freedom and need better go to card for daily spending.
I have a feeling that the DMV has a few higher IQ indivudals working for them compared to the two I talked with today.
I also have the Discover IT card. I do like the 5% from Chase a little better but not that much. I just asked for a CLI with my Discover card and with a soft pull was bumped up to $4250. This will become my everyday card. Freedom has a new residence in my sock draw.
We have a big 3 week trip planned to Alaska in June which will result in lots of restaurant charges... I was hoping to use the Freedom to really rack up some credit for future airline tickets. It looks like Discover also has 5% this quarter on eating out.
You should contact Chase EO, have them review the request,ask if they can SP to see the update, or you can call recon again
Grrrr. I just received a myfico warning of a new inquiry. Chase did in fact pull Experian after I told them no to pulling a second report.
Why would they pull a second report? The lady asked permission and I told her NO I didn't want another one pulled. Damnit!
