Chase application process - Update: Approved

[Anonymous]

I recently applied for chase freedom unlimited cc. I was automatically declined. I have called the reconsideration line 3 times. The first two times the reps told me no to being reconsidered but this 3rd time the rep actually asked me about the negatives on my credit report and gave me the opportunity to explain. He put me on hold and came back saying he was recommending me for approval and that the next step would be to speak to verification department. Does this mean it’s approved? Have anyone else experienced this???

Mod note:  I've updated your subject to reflect your approval; feel free to change/edit if you would like.  --UB

[Anonymous]

Congratulations! Sounds like you’re on your way to final approval once you complete verification.

[Anonymous]

I would think so but after I got off the phone with him I called back and got another rep and I asked her what type of card was it that I applied for and she made it her business to inform me that my application wasn’t approved as of yet and it’s in pending status. Does getting to the verification department mean I’m 100% approved?

[Anonymous]

I haven’t heard of anyone getting declined after verification. Usually it’s a real good sign.

[Anonymous]

Something told me to call the check application line and the automated system said I was approved for $2k. I’m so happy! This is my first unsecured card with a higher limit! Can’t wait to get in the major leagues like some of you! How does the system say I was approved even before speaking with verification??

[SteelCityPride]

My Chase FU experience was I was approved online, received the card but was not able to activate it. CR was sorta rude and said I would have to wait (can't remember how long she said). I called the fraud line, I think - and not sure where I got the number. That CR was nice and stated it was under further review. Anyways I had already downloaded the chase app and it would not give me a login. I sweated it for 2 weeks but was approved eventually.

[Anonymous]

Congratulations! Chase seems to be a bit of an odd duck, they can be very fickle and most definitely have an aversion to risk.  On the flip side, even after a denial, they often will reconsider and/or elevate to a senior underwriter/loan officer and allow you to provide more detailed information.  As for me, I'm very pleased thus far with my CSP and Freedom as well as the customer service I have received over the phone.  Prior to having their credit cards, I had no banking relationship with Chase.  However, since there is a large branch 6 blocks from where I work and a smaller neighborhood branch about 1/2 mile from my home, I opened a checking and savings account with them.  They offer their Premier Checking and Savings fee-free for military and veterans as well as a few other benefits.  Even though I have numerous other checking and savings accounts open with various credit unions, I decided to see what kind of relationship I could foster with Chase.  It'll be about 20 more months before I'm below 5/24 and can apply for another card (perhaps the FU to complete my version of the trifecta), but we'll see!

Enjoy your card, spend wisely, and I hope your journey into credit provides you the financial independence and freedom responsible consumers deserve!  

[Anonymous]

Update: This was a very weird process for me. The guy in lending services told me I would have to speak to verification. After I spoke to him I called lending services again and this time a different rep advised me that my application was pending awaiting me speaking to verification. I called the Automated line and the system said I was approved. Today I called the verification line as I was instructed to. They had nothing to do with the approval at all. The guy that answered only confirmed that my application was approved. I asked “so I didn’t need to speak to your department” he answered “No you’re already approved”. I don’t know how it happened but I’m ok with whatever happened haha

[Loquat]

Congrats on your approval and enjoy your new card when it arrives!

[Anonymous]

Way to stick with it!!

Congratulations on your success!

Welcome to Chase!

Best of luck to you!