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United Visa Signature (Chase) - Verify Application Letter ???

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BarryNTexas
Established Contributor
‎04-30-2014 04:31 PM
‎04-30-2014 04:31 PM

United Visa Signature (Chase) - Verify Application Letter ???

All, while on a business trip last week I decided to respond to an email offer for the Explorer Visa with 50K sign-up bonus and got the 7-10 notice.  I figured as much and the only report pulled was from Exp which is my worst file.  I assumed it was a no go and I have enough CL anyway but really want this card.  I have buying United flights using my Citi AAdvantage... very funny.

 

Today I get a letter to call them to verify the validity of this application.  Is this a round about way for me to recon this and possibly convince them to pull the trigger?  Anyone else have experience with such a notice.  It was not a decline letter that I was expecting.  Plan on calling in the morning to sort it out but would like advice on how to handle the conversation.  Thanks, Barry

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 1 of 15
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14 REPLIES 14
-Wade-
Valued Contributor
‎04-30-2014 04:34 PM
‎04-30-2014 04:34 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

@BarryNTexas wrote:

All, while on a business trip last week I decided to respond to an email offer for the Explorer Visa with 50K sign-up bonus and got the 7-10 notice.  I figured as much and the only report pulled was from Exp which is my worst file.  I assumed it was a no go and I have enough CL anyway but really want this card.  I have buying United flights using my Citi AAdvantage... very funny.

 

Today I get a letter to call them to verify the validity of this application.  Is this a round about way for me to recon this and possibly convince them to pull the trigger?  Anyone else have experience with such a notice.  It was not a decline letter that I was expecting.  Plan on calling in the morning to sort it out but would like advice on how to handle the conversation.  Thanks, Barry

I am sure it's just to verify your ID. Most of the time it's something simple. Good Luck

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 15
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myjourney
Super Contributor
‎04-30-2014 04:35 PM
‎04-30-2014 04:35 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

Sounds like an easy approval 

Good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 15
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MeridianRN
Established Member
‎04-30-2014 04:39 PM
‎04-30-2014 04:39 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

I had to verify my address & DOB. 2 weeks after applying I was approved for 18,000.

Discover IT:$20,000 (4/13) | Chase United Mileage Explorer: $18,000 (4/14) | Amex BCE:$15,000 (4/13) | Amex Everyday:$15,000 (3/14) | PenFed: $ 12,000 (8/16) | Barclaycard:$11,500 (9/14) | Fidelity Amex:$8,100 (3/14) | Freedom Unlimited:$8,000 (10/13) | Citi Double Cash: $10,100 (11/15)
Message 4 of 15
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negg
Frequent Contributor
‎04-30-2014 05:08 PM
‎04-30-2014 05:08 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

Welcome to chase's backward ways of approving people.  Had the same issue with my Marriott card.  Called in, found out my DOB didn't match my CR. Verified over the phone approved. Call in prolly something really stupid on there behalf.  

 

 

 GL

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.
Message 5 of 15
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ak_7vytr0
Frequent Contributor
‎04-30-2014 06:29 PM
‎04-30-2014 06:29 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

I went the same deal with a recent app with them.. simply had to call verification dept monday morning ( darn weekend app ) answered a few simple questions regarding my report to verify it was me that applied and they put in the app and approved..


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 6 of 15
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BarryNTexas
Established Contributor
‎05-01-2014 10:43 AM
‎05-01-2014 10:43 AM

Re: United Visa Signature (Chase) - Verify Application Letter ???

I called and verified my identity and was approved for $5K limit.  I was hoping for higher.  Is there an underwriter number I can call to plead my case?  I'm pleased for the approval and $5K is likely fine but some trips I book are in $10K total cost and will need to book across a couple cards.  Thanks for the input everyone. -barry

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 7 of 15
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Anonymous
Not applicable
‎05-01-2014 12:00 PM
‎05-01-2014 12:00 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

@BarryNTexas wrote:

I called and verified my identity and was approved for $5K limit.  I was hoping for higher.  Is there an underwriter number I can call to plead my case?  I'm pleased for the approval and $5K is likely fine but some trips I book are in $10K total cost and will need to book across a couple cards.  Thanks for the input everyone. -barry

Chase Recon Numbers are in the BDN Sticky. Keep in mind, reconning a CL with Chase 99.99% of the time is a hp

Message 8 of 15
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gdale6
Moderator Emeritus
‎05-01-2014 12:05 PM
‎05-01-2014 12:05 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

@BarryNTexas wrote:

I called and verified my identity and was approved for $5K limit.  I was hoping for higher.  Is there an underwriter number I can call to plead my case?  I'm pleased for the approval and $5K is likely fine but some trips I book are in $10K total cost and will need to book across a couple cards.  Thanks for the input everyone. -barry

To recon limit will be another HP, Grats on your new card Smiley Happy

Message 9 of 15
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Anonymous
Not applicable
‎05-01-2014 12:08 PM
‎05-01-2014 12:08 PM

Re: United Visa Signature (Chase) - Verify Application Letter ???

Congrats!
Message 10 of 15
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