Best friend approved for CHASE CSR in branch, then CLOSED

[Anonymous]

Joey, do you know what your friend's exposure is with Chase other than the CSR that no longer doubts?

[Anonymous]

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@Anonymous wrote:

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@Xistaben2 wrote:

Could you imagine if they started calling all the folks that snaked by 5/24 using the in branch method?  I think the credit community might implode.

/popcorn

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I agree the meldown will be something else.  However, if Chase branches are approving people in their offices then their lending department should abide by them and not close them.

It is not the customers fault that they got pre-approved.  If that is their concern then they should not allow people with more accounts in the 24 months to be pre-approved in the branches. It is unfair to the customers.

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Agree completely.  Complete b.s. IMHO.  My head would explode if that happened to me.

[Xistaben2]

Doing some research, /r/churning does have a 6hour old thread dedicated to this topic....

It looks like it just might be a thing...

Mother of god...

[redpat]

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@Anonymous wrote:

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@Xistaben2 wrote:

Could you imagine if they started calling all the folks that snaked by 5/24 using the in branch method?  I think the credit community might implode.

/popcorn

---

I agree the meldown will be something else.  However, if Chase branches are approving people in their offices then their lending department should abide by them and not close them.

It is not the customers fault that they got pre-approved.  If that is their concern then they should not allow people with more accounts in the 24 months to be pre-approved in the branches. It is unfair to the customers.

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Agree.  That would be bad business on their part, but this is one case and I'll stay tuned until I get my card.

[redpat]

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@Anonymous wrote:

---

@Anonymous wrote:

---

@Xistaben2 wrote:

Could you imagine if they started calling all the folks that snaked by 5/24 using the in branch method?  I think the credit community might implode.

/popcorn

---

I agree the meldown will be something else.  However, if Chase branches are approving people in their offices then their lending department should abide by them and not close them.

It is not the customers fault that they got pre-approved.  If that is their concern then they should not allow people with more accounts in the 24 months to be pre-approved in the branches. It is unfair to the customers.

---

Agree completely.  Complete b.s. IMHO.  My head would explode if that happened to me.

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I hope I don't get that call because the words out of my mouth would make George Carlin proud.......

[Anonymous]

@Joeyzoom,

Is this the same friend that suffered adverse action from another bank a while back in a big thread you created if memory serves me right?  If so, then his closure might be an exception.  Something else is going on with your friend's credit profile.

I had to dig that thread up.  Did this happen to this same BFF of yours? http://ficoforums.myfico.com/t5/Credit-Cards/WOW-DISCOVER-is-really-at-it-BF-s-ACCOUNT-CLOSED/m-p/45...

[Xistaben2]

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@Xistaben2 wrote:

Doing some research, /r/churning does have a 6hour old thread dedicated to this topic....

It looks like it just might be a thing...

Mother of god...

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Belay this - after reading the thread, its just people trying to figure out what causes the in-branch method to override...?

Very misleading thread title considering these circumstances.

[brewcrew87]

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@Xistaben2 wrote:

Doing some research, /r/churning does have a 6hour old thread dedicated to this topic....

It looks like it just might be a thing...

Mother of god...

---

That thread is all about collecting data points to see if there are any common causes for either receiving the pre-approvals in-branch or not.

It has nothing to do with people having their newly approved account closed.

[redpat]

Where's my card?????I want my card.....I hope it's here soon....Has it been mailed out yet?????Lol!!!!!!!!

After further review, something else is going on here w/ OP's best friend.

[Anonymous]

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@Anonymous wrote:

---

@Anonymous wrote:

---

@Xistaben2 wrote:

Could you imagine if they started calling all the folks that snaked by 5/24 using the in branch method?  I think the credit community might implode.

/popcorn

---

I agree the meldown will be something else.  However, if Chase branches are approving people in their offices then their lending department should abide by them and not close them.

It is not the customers fault that they got pre-approved.  If that is their concern then they should not allow people with more accounts in the 24 months to be pre-approved in the branches. It is unfair to the customers.

---

Agree completely.  Complete b.s. IMHO.  My head would explode if that happened to me.

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It doesn't seem very different from the threads where people are approved for lots of cards and then get shut down very soon after.   And then ask "Why did they approve me if...."  The approving groups and risk management groups are different with different criteria (of course, in a perfect world would be the same).  Not saying it's a good model or experience, but fairly common here!  

Fortunately, seems like the OPs friend is an exception.