Automatic CLI After 107 Days on Chase Freedom Unlimited®

[Beefy1212]

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@Mdowning30 wrote:

You can go for the Amazon Prime Visa because they dont count 5/24 against that card, i got mine when i was at 5/24.

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It is definitely profile dependent, they absolutely gave 5/24 as my denial code. Others have posted the same.

[BigOrange]

I've only opened 2/24 so I'm fine there, I'm just wondering since I got declined on the 1st issued card 3 months ago, and had to call to get it approved if I will have that issue now since I have had a card 3 months with a CLI.

[Beefy1212]

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@BigOrange wrote:

I've only opened 2/24 so I'm fine there, I'm just wondering since I got declined on the 1st issued card 3 months ago, and had to call to get it approved if I will have that issue now since I have had a card 3 months with a CLI.

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You can call and ask to speak to the underwriting department, I have done so at Chase before (as in all things YMMV). They may not tell you outright if it is a no go, but they may say something like apply in 6 months or work on getting your utilization down. Why don't you try the amazon pre-qual page first? See if they give you a soft yes on the pre-approval, and if you are still on the fence call Chase and see if you can speak to the underwriters.

Don't be afraid to point out your recent ACLI (Chase clearly thinks you are doing awesome) how much you like banking with Chase, Your objectives moving forward and how this card fits into them etc. Most people want to say yes give them a reason to do what they want to do, if they say a firm no... Tell them "You understand in the current economic climate , but how about maybe spliting the credit limit on your current card instead, Chase isn't extending me any more credit but I can still bring my amazon spend to Chase".

[BigOrange]

I tried the pre-qual page and it said I was pre-approved, filled out the application, and then it said they were not able to approve and said something about getting a response in 30 days. LOL

Regarding getting my utilization down I have zero balances on all my cards unless something posts right before the statement. It's always 1%. I don't even need credit cards.

[Beefy1212]

Sorry to hear that...

I didn't know your utilization, I was just giving examples. I would definitely give Chase a call and see if anything can be done, especially given you had trouble with the CFU app it could be something simple. 

In the mean time you may want to look into the affinity cash rewards card as I said before. The removal of the rotating 5% categories is a bummer but as a single use 5% card it is not too bad for Amazon still.

[ocheosa]

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@BigOrange wrote:

I tried the pre-qual page and it said I was pre-approved, filled out the application, and then it said they were not able to approve and said something about getting a response in 30 days. LOL

Regarding getting my utilization down I have zero balances on all my cards unless something posts right before the statement. It's always 1%. I don't even need credit cards.

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@BigOrange , if memory serves 30 days is not an auto denial, it could simply mean a manual review or id verification. [Edit, confusing applications.]  When I applied, I also got the further review 30 day  notice. Received a call from fraud dept (888-373-1969) early the following morning to confirm it was me who app'd and was then approved. He didnt offer, so I asked and he the gave me my SL, 27k.

Also here's the number for chase/amazon CustSvc 888-247-4080. Good luck!

[SweetCreditObsession]

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@BigOrange wrote:

First month spent 1206. Partially through the 1st statement, made a 900+ full payment before statement, then paid off the additional charges so the first statement was 0.00.

Second Statement one 260.00 charge, paid balance right after statement was issued.

Third Statement. 1100 in charges, payment during statement period, 437.00 balance at time of CLI.

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Thanks for the DPs! Best wishes on further auto growth😀

[BigOrange]

You were correct @ocheosa , they emailed me asking for a utility statement to confirm identity.

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@ocheosa wrote:

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@BigOrange , if memory serves 30 days is not an auto denial, it could simply mean a manual review or id verification. [Edit, confusing applications.]  When I applied, I also got the further review 30 day  notice. Received a call from fraud dept (888-373-1969) early the following morning to confirm it was me who app'd and was then approved. He didnt offer, so I asked and he the gave me my SL, 27k.

Also here's the number for chase/amazon CustSvc 888-247-4080. Good luck!

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[ocheosa]

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@BigOrange wrote:

You were correct @ocheosa , they emailed me asking for a utility statement to confirm identity.

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@ocheosa wrote:

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@BigOrange , if memory serves 30 days is not an auto denial, it could simply mean a manual review or id verification. [Edit, confusing applications.]  When I applied, I also got the further review 30 day  notice. Received a call from fraud dept (888-373-1969) early the following morning to confirm it was me who app'd and was then approved. He didnt offer, so I asked and he the gave me my SL, 27k.

Also here's the number for chase/amazon CustSvc 888-247-4080. Good luck!

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@BigOrange , well that's great news! Guess only piece left is the SL and APR, Congrats!

[MyFault]

Congrats on your CFU auto CLI!