Waiting on Chase Hyatt!

[Anonymous]

Last night I applied for a Chase Hyatt card, but I didn't get instantly approved. Now I have to wait 7-10 business days to get an answer. Hopefully I get approved, fingers crossed. But if I don't? Can I speak to someone on the phone to have them look at my file again? This card I'm only going to use for work-related expenses, for which I get reimbursed anyway, I travel a lot since I'm in Technical Sales. I'm asking because I have read here that some people call the bank regarding their application, and after doing so they get approved.

[nachoslibres]

You can call this number to check on app status and to speak to representative regarding it:  800-945-2000.  Anytime I apply and get a wait message I always call to see what I can do to expedite the process, usually it is just the agent confirming some information and then a quick approval.

[Anonymous]

Always recon! It's amazing how many people can get it over turned because I think the 7-10 day message Is usually a denial

[wasCB14]

Mine went pending when I applied. I called Lending to see if they needed any more information, and the CSR just told me to wait (by giving me a generic 30 day message).

The account appeared online 4 days later. Sometimes calling doesn't speed things up and you just have to wait.

[NRB525]

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@Anonymous wrote:

Last night I applied for a Chase Hyatt card, but I didn't get instantly approved. Now I have to wait 7-10 business days to get an answer. Hopefully I get approved, fingers crossed. But if I don't? Can I speak to someone on the phone to have them look at my file again? This card I'm only going to use for work-related expenses, for which I get reimbursed anyway, I travel a lot since I'm in Technical Sales. I'm asking because I have read here that some people call the bank regarding their application, and after doing so they get approved.

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What are your FICO scores (from a reliable source, not Credit Karma) ?

Do you have any other Chase credit cards?

Have you opened more than 5 new card accounts in the last 24 months?

What other cards do you have, limits and how much is owed on them?

In general, I think the advice is to wait to see what Chase's internal systems do. Calling to bug them can be poking the bear, may backfire on you and result in a faster denial. Letting them work through the review may allow them to just give you the approval.

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:

Last night I applied for a Chase Hyatt card, but I didn't get instantly approved. Now I have to wait 7-10 business days to get an answer. Hopefully I get approved, fingers crossed. But if I don't? Can I speak to someone on the phone to have them look at my file again? This card I'm only going to use for work-related expenses, for which I get reimbursed anyway, I travel a lot since I'm in Technical Sales. I'm asking because I have read here that some people call the bank regarding their application, and after doing so they get approved.

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What are your FICO scores (from a reliable source, not Credit Karma) ?

Do you have any other Chase credit cards?

Have you opened more than 5 new card accounts in the last 24 months?

What other cards do you have, limits and how much is owed on them?

In general, I think the advice is to wait to see what Chase's internal systems do. Calling to bug them can be poking the bear, may backfire on you and result in a faster denial. Letting them work through the review may allow them to just give you the approval.

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I don't know my real FICO scores because I have tried several different websites (ScoreSense, total credit check, etc) and I always get an error. I believe it is due to me changing addresses less than 6 months ago, not all websites let me enter the old address. Also, it could be because my last name is two words, I always enter it as it is but sometimes the system screws up and it believes the first word of my last name is my middle name or something. However, I have my score from other websites (FAKOs) 

Discover scorecard - 742

Credit.com - 742

Credit.com VantageScore 3.0 - 720

CapitalOne - 714

WellsFargo - 698

No Chase credit cards.

New cards in last 24 months: 2

Wells Fargo secured - $300, Balance: $5

CapitalOne Quicksilver One - $2000, Balance: $200

No late payments ever

Never went above credit limit

oldest card 1 year 8 months

About a month ago I asked here about the Chase SP, some said I wouldn't be approved, others thought I would (that was before getting he Quicksilver). The consensus was that the only way to know for sure was to apply. My Scores were slightly lower back then too, so I thought, well I'm gonna apply for the Hyatt and see what happens, it's not like I have 5 inquiries already. 

[Anonymous]

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@Anonymous wrote:
Always recon! It's amazing how many people can get it over turned because I think the 7-10 day message Is usually a denial

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Agreed!!

[Anonymous]

If I'm not approved, what other rewards card do you think I can get approved for?

[Anonymous]

Probably none from Chase.

[Anonymous]

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@Anonymous wrote:
Probably none from Chase.

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Still waiting, but perhaps you are right. Like I said, I had previously asked here what my chances were for the Chase Sapphire Preffered and some said maybe other said no, so I figured I would apply for the Hyatt card (because I want the free nights) and it won't be such a big hit on my score, plus with only one other recent inquiry it's fine. 

Do I have a chance with the Discover IT Miles?