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Chase SW Denied LOL/24... Approved after RECON

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blazerein
Established Contributor

Chase SW Denied LOL/24... Approved after RECON

Applied for Chase Southwest VISA with 75k SUB (no offer, just applied blindly) and did not get a automatic denial, EX PULL.  Next day I received a email letter that I was denied due to "too many accounts open in the last 24 months" (which is correct).  I pretty much knew it already.  Still thinking about it after 2 days so why not call the Recon Line.  I explained that since Southwest are in Hawaii now that I want to get their card for my future travels. Rep asked me about one of my authorized user card if I'm responsible with it I said NO.  Asked my Mortgage payment and Annual Salary then put me on hold and came back that reconsideration was place and that I will receive a letter in 2 weeks.  Fast forward to the next day.  APPROVED FOR 7k.  This is my 3rd Chase card as I have the CSP, Amazon and now SW.  Applied with Amazon and SW on LOL/24 status. 

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
15 REPLIES 15
M_Smart007
Legendary Contributor

Re: Chase SW Denied LOL/24... Approved after RECON

Congrats on the Chase SW Recon job!

Message 2 of 16
SouthJamaica
Mega Contributor

Re: Chase SW Denied LOL/24... Approved after RECON


@blazerein wrote:

Applied for Chase Southwest VISA with 75k SUB (no offer, just applied blindly) and did not get a automatic denial, EX PULL.  Next day I received a email letter that I was denied due to "too many accounts open in the last 24 months" (which is correct).  I pretty much knew it already.  Still thinking about it after 2 days so why not call the Recon Line.  I explained that since Southwest are in Hawaii now that I want to get their card for my future travels. Rep asked me about one of my authorized user card if I'm responsible with it I said NO.  Asked my Mortgage payment and Annual Salary then put me on hold and came back that reconsideration was place and that I will receive a letter in 2 weeks.  Fast forward to the next day.  APPROVED FOR 7k.  This is my 3rd Chase card as I have the CSP, Amazon and now SW.  Applied with Amazon and SW on LOL/24 status. 


Congratulations on your approval Smiley Happy


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 3 of 16
blazerein
Established Contributor

Re: Chase SW Denied LOL/24... Approved after RECON

Thanks @M_Smart007  and @SouthJamaica 

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 4 of 16
CreditCuriosity
Moderator Emeritus

Re: Chase SW Denied LOL/24... Approved after RECON

Congrats on your approval.  What is lol/24 as some it might be 4/24 and others it would be 20/24.  Can you please quantify more the lol/24 as might help others if they consider applying above 5/24.  For example i get mailers weekly for their SW business card, but I am at I think 6/24 now..

Message 5 of 16
blazerein
Established Contributor

Re: Chase SW Denied LOL/24... Approved after RECON


@CreditCuriosity wrote:

Congrats on your approval.  What is lol/24 as some it might be 4/24 and others it would be 20/24.  Can you please quantify more the lol/24 as might help others if they consider applying above 5/24.  For example i get mailers weekly for their SW business card, but I am at I think 6/24 now..


LOL/24 meaning more than 5 and to be exact for me, it's 14/24

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 6 of 16
CreditCuriosity
Moderator Emeritus

Re: Chase SW Denied LOL/24... Approved after RECON


@blazerein wrote:

@CreditCuriosity wrote:

Congrats on your approval.  What is lol/24 as some it might be 4/24 and others it would be 20/24.  Can you please quantify more the lol/24 as might help others if they consider applying above 5/24.  For example i get mailers weekly for their SW business card, but I am at I think 6/24 now..


LOL/24 meaning more than 5 and to be exact for me, it's 14/24


Thank you

Message 7 of 16
user979797
Established Contributor

Re: Chase SW Denied LOL/24... Approved after RECON

Congrats on going after your approval Smiley Happy 

>
Message 8 of 16
Anonymous
Not applicable

Re: Chase SW Denied LOL/24... Approved after RECON

@blazerein

Great recon ...!

Love your work around ... Smiley Happy
Message 9 of 16
Mdowning30
Established Contributor

Re: Chase SW Denied LOL/24... Approved after RECON

The data point is helpful because im currently 7/24, and i would like to get my first Chase business card like the Ink Cash card. 

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : NPSL/POT $4500 | Tower Federal CU : $15,000
Total Credit Limit : $40000
Experian FICO 8 : 686
| Experian Vantage : 701 | TransUnion FICO 8 : 689 | TransUnion Vantage : 704
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 10 of 16
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