Chase Amazon CLI denied

[kc12286]

I called the number on the back of my Chase Amazon card and was denied. So then I tried the number from one of the sticky threads and was denied by an analyst. She was citing information that seemed inaccurate, stating I had balances across 9 cards. She was listing Macy's and Best Buy as close to their limits, which isn't true. And she also stated I had a balance on a card that when I looked at it, has a zero balance. I'm assuming this is just because the statement hasn't closed.

Any advice?

I love the amazon card, the rewards program is good. I've banked more than 20,000 points. I've had the card since 07, so I'd hate to close it. But the limit is $2500 and Discover has continuously given me increases without my asking. I've asked Chase multiple times over 7 years and only been approved once. I don't know what my current scores are, that wasn't given as a reason, just high balances.

[Kenny]

i would never CLI a chase card, to be honest. The odds just are never in anyone's favor. You're more likely to get a new bigger trade line approved from Chase than to get a CLI -- in fact, you can app for a new card... then accept the card and close the card and transfer the line from that card to your original card! LOL Seriously.

I'm sorry that you wasted a HP.

Best of luck and patience.

[CalAlumnus13]

Are you sure what the analyst said was inaccurate based on what's showing on your credit report? If there was actually an error on your CR, I'd recon again. If the CR is just showing balances from a previous statement, then its not an error. I'd have waited until your CR was as presentable as possible.

[CalAlumnus13]

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@KennyS2006 wrote:
i would never CLI a chase card, to be honest. The odds just are never in anyone's favor. You're more likely to get a new bigger trade line approved from Chase than to get a CLI -- in fact, you can app for a new card... then accept the card and close the card and transfer the line from that card to your original card! LOL Seriously.

I'm sorry that you wasted a HP.

Best of luck and patience.

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I know that's the conventional advice, but should we be worried about apping for new cards in light of the recent AA reported here? I already have 3 Chase cards, and I'm nervous to apply for a fourth.

[09Lexie]

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@kc12286 wrote:
I called the number on the back of my Chase Amazon card and was denied. So then I tried the number from one of the sticky threads and was denied by an analyst. She was citing information that seemed inaccurate, stating I had balances across 9 cards. She was listing Macy's and Best Buy as close to their limits, which isn't true. And she also stated I had a balance on a card that when I looked at it, has a zero balance. I'm assuming this is just because the statement hasn't closed.

Any advice?

I love the amazon card, the rewards program is good. I've banked more than 20,000 points. I've had the card since 07, so I'd hate to close it. But the limit is $2500 and Discover has continuously given me increases without my asking. I've asked Chase multiple times over 7 years and only been approved once. I don't know what my current scores are, that wasn't given as a reason, just high balances.

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Sounds like your balances have not updated on your CR's.  Unless you are paying them off and allowing 0 to report at statement close, Chase and any other lender will have no idea you are PIF each month. 

Take a look at your CR's and verify their accuracy. 

[kc12286]

I meant that some of the updated balances hadn't reported. But she did also cite some delinquency that I'm pretty sure is incorrect. I said I've never been delinquent with this account and she said, well it was awhile ago.

@KennyS2006 isn't that counterproductive though? She's stating I'm being dinged for having too many accounts with a balance so I go and apply for another Amazon card or another Chase card?

[CalAlumnus13]

Sounds like you need to pull your Experian report and check. Nice thing about Experian is, once you get a free report through AnnualCreditReport, you can keep checking it indefinitely.

[Kenny]

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@kc12286 wrote:
I meant that some of the updated balances hadn't reported. But she did also cite some delinquency that I'm pretty sure is incorrect. I said I've never been delinquent with this account and she said, well it was awhile ago.

@KennyS2006 isn't that counterproductive though? She's stating I'm being dinged for having too many accounts with a balance so I go and apply for another Amazon card or another Chase card?

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Of course, it is. lol Chase is backwards like that, though. The algorithm will approve you more for a new card before they will approve you for a CLI. I wouldn't do this, but I was simply saying if I wanted more credit from Chase and only that as the intention, that is what could be done.

[Shock]

Sorry OP, looks like you should have waited. Before I app, I make sure all my balances are zeroed except one for UTIL purposes. Timing is just as important as anything in the credit game. It's a game of Chess. You have to plan every move you make correctly because everything yu do now will have an effect later on.

Kenny's right though, with Chase, it's backwards.

Anecdotal evidence suggested that a guy took a HP and was denied for his CLI. Apped for the slate and was approved for 5k. LOL..

[kc12286]

I've done that too though, the first time I asked for a CLI with this account, I made sure things were paid down and it was still a fight. In fact, I think I posted here as well and the wonderful users pointed me to the sticky thread and I called the backdoor number. At the time I only asked for $500 and in hindsight I should have asked for more. I'm not keen on opening another credit card so soon after opening one last month. Plus I can't imagine I'd get an instant approval. It was funny though, she seemed reluctant to end the call. I expressed my disappoint and said I've had no problem getting auto CLIs with Discover and other companies and that's where my business will go.