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Over 5/24 but pre-approved on chase website? - Update Approved

Green456
Established Contributor

Re: Over 5/24 but pre-approved on chase website?


@flyingmd wrote:
Let us know. Same exact scenario just happened to me. I had a solid interest rate but am at 5/24. App went into review. When I called the credit analyst, he denied based on the 5/24 (told me I could apply again in November ) I even offered to close one of the cards I recently opened no dice. I have a high 6 figure income and scores in the 740-750 range. Good luck.

Well I got a phone call from fraud department to make sure it was me who applied. 10 minutes later they approved me for CFU Smiley Happy. This thread can be moved now.

Message 11 of 22
M_Smart007
Epic Contributor

Re: Over 5/24 but pre-approved on chase website?


@Green456 wrote:

@flyingmd wrote:
Let us know. Same exact scenario just happened to me. I had a solid interest rate but am at 5/24. App went into review. When I called the credit analyst, he denied based on the 5/24 (told me I could apply again in November ) I even offered to close one of the cards I recently opened no dice. I have a high 6 figure income and scores in the 740-750 range. Good luck.

Well I got a phone call from fraud department to make sure it was me who applied. 10 minutes later they approved me for CFU Smiley Happy. This thread can be moved now.


Congrats!, what limit and APR did they give you?

 

Message 12 of 22
Green456
Established Contributor

Re: Over 5/24 but pre-approved on chase website?


@M_Smart007 wrote:

@Green456 wrote:

@flyingmd wrote:
Let us know. Same exact scenario just happened to me. I had a solid interest rate but am at 5/24. App went into review. When I called the credit analyst, he denied based on the 5/24 (told me I could apply again in November ) I even offered to close one of the cards I recently opened no dice. I have a high 6 figure income and scores in the 740-750 range. Good luck.

Well I got a phone call from fraud department to make sure it was me who applied. 10 minutes later they approved me for CFU Smiley Happy. This thread can be moved now.


Congrats!, what limit and APR did they give you?

 


16% APR, 24,000 limit. Which is more than what I need.

Message 13 of 22
AllZero
Super Contributor

Re: Over 5/24 but pre-approved on chase website? - Update Approved

Congratulations on your approval!
Message 14 of 22
M_Smart007
Epic Contributor

Re: Over 5/24 but pre-approved on chase website?


@Green456 wrote:

@M_Smart007 wrote:

@Green456 wrote:

@flyingmd wrote:
Let us know. Same exact scenario just happened to me. I had a solid interest rate but am at 5/24. App went into review. When I called the credit analyst, he denied based on the 5/24 (told me I could apply again in November ) I even offered to close one of the cards I recently opened no dice. I have a high 6 figure income and scores in the 740-750 range. Good luck.

Well I got a phone call from fraud department to make sure it was me who applied. 10 minutes later they approved me for CFU Smiley Happy. This thread can be moved now.


Congrats!, what limit and APR did they give you?

 


16% APR, 24,000 limit. Which is more than what I need.


Super Sweet!!!   .. You did very wellSmiley Happy

Thanks for the reply.

 

 

 

Message 15 of 22
randomguy1
Valued Contributor

Re: Over 5/24 but pre-approved on chase website?

congrats, you did well indeed! Annoyance over? Smiley Happy

Message 16 of 22
KELSTAR
Regular Contributor

Re: Over 5/24 but pre-approved on chase website? - Update Approved

I concur it is pretty solid approval if they give you a solid apr. 

 

I would go into a branch and do the appllication if you can. I was way over 5/24 and have been approved in branch with pre-approvals shown me from the banker.

 

Good luck!

Signature as of 6/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=785 TU=796 EX=790
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=773
AAoA=4Y4M AoOA=11Y4M AoYA=1M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18.
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210
HARD PULLS last 12 months EQ=2 TU=3 EX=3 Three new accounts reporting.
HARD PULLS last 24 months EQ=2 TU=4 EX=5 Four new accounts reporting.
INCOME=$290k as of 05/01/20 for income stated on applications. DTI=2.5% Business sales 200k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=None
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI BEST BUY VISA=4k 11/17 CAP1 GMC MC=4K 12/17 CITI COSTCO VISA=14.5k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 QUICKEN BUSINESS LOAN=100k@6.8% for 12M 03/21
Message 17 of 22
Bizambish
Regular Contributor

Re: Over 5/24 but pre-approved on chase website? - Update Approved

Congrats! Nice work! It’s starting to seem like Chase is really back. I wonder if this is a temporary push or if they’re going to start really easing up on the 5/24 and other rules for their existing customers? Time will tell


Start: Low 500’s
Most Recent: 738-745
Over 100K CL Club
Focusing on Delta, Hilton, Amex MR and Chase UR
Message 18 of 22
randomguy1
Valued Contributor

Re: Over 5/24 but pre-approved on chase website? - Update Approved


@Bizambish wrote:
Congrats! Nice work! It’s starting to seem like Chase is really back. I wonder if this is a temporary push or if they’re going to start really easing up on the 5/24 and other rules for their existing customers? Time will tell

People are still getting denials because of 5/24. Just not with these pre-qualifed/pre-approved offers.

Message 19 of 22
VanderSnoot
Established Contributor

Re: Over 5/24 but pre-approved on chase website? - Update Approved

End of year market share?
Message 20 of 22
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