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United Club Denial

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cczzll1611
Established Member

United Club Denial

Denied AGAIN for a United card. (See previous post here.)

 

They pulled Experian (735) and Equifax (728). Both have dipped now, so thanks Chase!

 

I applied for Club as the United Clubs where I travel most frequently (Tokyo) have reopened. I also assumed my credit scores would be enough.

 

My seven year-old chargeoffs fell off my credit reports by the end of April 2022, thus allowing my credit scores to skyrocket. I also got a CLI on my Navy Federal (only asked for $5k for a total of $15k, should have probably asked for more but I am not greedy) and I opened an AMEX Platinum in June 2022. I have $5k of PayPal credit which I don't use. Nothing else has changed much. Still have a $120k/year job. Still have no missed payments. Still pay everything on time. Credit usage is 18%. I do have student loans, but I have two degrees from a top 20 school and paid OOP for my grad school. That shouldn't be a reason people get denied, but oh well.

 

I wanted the 100k bonus because United is the only airline I fly. Seems Chase thinks I'm not a good candidate for their cards. I just don't understand.

 

Message 1 of 33
32 REPLIES 32
GZG
Senior Contributor

Re: United Club Denial

did you burn Chase?

 

Did you call recon? It would be unfortunate if student loans were the only reason for the denial

Starting FICO 8:
Current FICO 8:



Message 2 of 33
FireMedic1
Community Leader
Mega Contributor

Re: United Club Denial

Was Chase one of the CO's? They have a long memory.



BK Free Aug25
Message 3 of 33
Horseshoez
Senior Contributor

Re: United Club Denial


@FireMedic1 wrote:

Was Chase one of the CO's? They have a long memory.


Beat me to it, my question exactly.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 4 of 33
CreditCuriosity
Moderator Emeritus

Re: United Club Denial

Are you over 5/24 new accounts?  Any charge off's with Chase?  They don't care if you went to top 20 school and paid out of pocket as that is figured into DTI if you have huge SL payments.  More information would be helpful.  Such as charge offs with chat, 5/24 status dti % and other stuff..You can recon depending on answers and might have a fighting chance.

Message 5 of 33
bigseegar
Established Contributor

Re: United Club Denial

Seems like after reading this (UNLESS you burned Chase as one of those Charge Off's as they have a VERY long memory) and you other post that it's still the student loans and possibly even that deferment of them 7+ years ago still. The amount of them or the payment required or something related seems to have Chase spooked. You mention in both posts and other that, "but you got the degrees from a Top 20 school". Chase couldn't give a rats behind about degrees or where they came from. Matter of fact they don't even know about them or where you went and they don't ask, again because it's irrelevant. It pretty much has zero to do with credit, wealth and/or financial building and responsibility. I know a man here personally, that doesn't even have a GED. Quit school in the 4th grade. Took $500 when he was 18 and just married and started a junk yard business. Today 50 years later he is a Billionaire. One of the richest people in the State. His business over those years evolved into a World Class Demo Company that now has Offices here and in ATL, GA and Dallas,TX and he has 5,500 fulltime employees. Matter of fact his company was the one that had the $100 Million Contract to clean up the World Trade Centers following 9/11. I promise you banks and lenders couldn't care less about his 4th Grade education.

Message 6 of 33
TRC_WA
Senior Contributor

Re: United Club Denial


@bigseegar wrote:

Chase couldn't give a rats behind about degrees or where they came from. Matter of fact they don't even know about them or where you went and they don't ask, again because it's irrelevant. It pretty much has zero to do with credit, wealth and/or financial building and responsibility. I know a man here personally, that doesn't even have a GED. Quit school in the 4th grade. Took $500 when he was 18 and just married and started a junk yard business. Today 50 years later he is a Billionaire. One of the richest people in the State. His business over those years evolved into a World Class Demo Company that now has Offices here and in ATL, GA and Dallas,TX and he has 5,500 fulltime employees. Matter of fact his company was the one that had the $100 Million Contract to clean up the World Trade Centers following 9/11. I promise you banks and lenders couldn't care less about his 4th Grade education.


@bigseegar Haha... well said.

 

Never went to a single day of college myself... quit school early in the 12th grade and got the GED the following year.  Not a billionaire but do make a comfortable living in the $100k range with no SL payments.  Started at the bottom in 1994 in my trade and now do metal machining and other work in both the food and aerospace industries.  Smiley Happy

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 7 of 33
SpaceCityCCuser
Frequent Contributor

Re: United Club Denial

Do you have another card with Chase already or a checking? Chase has its own internal credit score system and a pre-existing relationship helps quite a bit on their internal credit score.


Last Signature Update: 09/01/25 | 2025 Total AF = $1560 (2025 credits redeemed *organically* $1465)











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Message 8 of 33
cczzll1611
Established Member

Re: United Club Denial

No.

 

And no, I did not call recon. I did last time and it was a futile effort. 

Message 9 of 33
cczzll1611
Established Member

Re: United Club Denial

No. I only have two credit cards and the unused PayPal credit. Navy Federal was opened in like 2017. Amex in June 2022. PayPal in early 2022.

Message 10 of 33
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