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Chase Denial Becomes An Approval

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New Visitor

Chase Denial Becomes An Approval

A couple weeks ago I applied for the Amazon Chase card and was given a denial online. I decided to call in to the reconsideration line and went through all the questions with the rep and was again told that I couldn't be approved. I do have a bankruptcy on my record, but have never had a Chase card before. The rep insisted that I had a Chase card in the past but I am 100% positive I never have. Anyways, since my bankruptcy I have gotten a better job and have had numerous approvals on cards such as AMEX, US Bank, etc. and have never had a late payment. I get the denial letter in the mail and it says they couldn't approve me because of the bankruptcy just as I figured.

 

Fast forward a week later I get an email saying that my card through Chase has now been approved. Keep in mind, I hadn't called back or anything so I'm kinda surprised. Today I got a letter in the mail saying that they reviewed my application again and decided to go ahead and approve me and my card is now on the way. Has anyone else ever had this happen or heard of it happening after being denied twice and not even calling back again? It seems a little odd to me, but I guess I'm not complaining.

Message 1 of 15
14 REPLIES 14
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Frequent Contributor

Re: Chase Denial Becomes An Approval

Wow congrats. Those kinds of things definitly dont happen very often. Just tread carefully for a couple of months to make sure they did not have a brain fart or something and close your account. Enjoy your new Amazon visa!

Message 2 of 15
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Community Leader
Super Contributor

Re: Chase Denial Becomes An Approval

Hi and welcome to the forum

 

Congratulations on your approval and thanks for sharing.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 15
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Moderator

Re: Chase Denial Becomes An Approval

Congrats on your new card 

Message 4 of 15
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Community Leader
Super Contributor

Re: Chase Denial Becomes An Approval

Congrats on the turnaround for an approval

Message 5 of 15
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Valued Contributor

Re: Chase Denial Becomes An Approval

Wow, I've never heard of that. Congrats to you!!
Message 6 of 15
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Valued Contributor

Re: Chase Denial Becomes An Approval

Wow, that's a great outcome!  You were destined to have this card in your possession. 




"Your ego is writing checks your body can't cash".
Message 7 of 15
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Valued Contributor

Re: Chase Denial Becomes An Approval

#AutoReconDenialApproval
Congrats! That’s unheard of!!
What’s your SL btw?

BK7 dc in 01/2011 with FICO8 in the 500s

New cc TLs : 1/6 ; 1/12 ; 2/24
HPs EX 2 EQ 2 TU 1
AAoA 5y4m
UTIL 1% - 3%

$220K+ Total Limits










Message 8 of 15
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Contributor

Re: Chase Denial Becomes An Approval

Congrats on the new card and apparently successful recon!
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU FICO 8 Scores 6/16/2019 770 EX 798 EQ 791 TU

Wells Fargo Cash Wise $20,000 [] PenFed Power Cash $20,000 [] HSBC Cash Rewards $3,750 [] Discover It $5,100 [] Maurice’s $5,000 [] CO Savor $15,000 [] NFCU Flagship $18,000 [] Amex Rose Gold [] Walmart $800 [] Kohl’s $1000 [] Amazon Store Card $300 [] American Express Cash Magnet $1000 [] USAA Cashback Rewards Plus American Express Card $4500 []
Message 9 of 15
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Valued Contributor

Re: Chase Denial Becomes An Approval

Congrats on the approval! Not often you hear about getting denied on both initial and recon, then an approval days later. Glad it worked out for you!


Scores - All bureaus 756 +
TCL - Est. $275K
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