Chase Application status line

[Happychap]

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@webhopper wrote:

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@Happychap wrote:

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-)  I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

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You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

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Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card.  As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's.  Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc. 

I  noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a  positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit.  Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol)   when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

[webhopper]

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@Happychap wrote:

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@webhopper wrote:

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@Happychap wrote:

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-)  I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

---

You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

---

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card.  As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's.  Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc. 

I  noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a  positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit.  Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol)   when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

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When you call to recon,  Explain these items in red to the analyst.... 

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

[somnipotent]

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@Happychap wrote:

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@webhopper wrote:

---

@Happychap wrote:

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-)  I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

---

You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

---

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card.  As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's.  Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc. 

I  noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a  positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit.  Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol)   when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

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If

If you get approved, I have hope and my leave the garden to get my Freedom.  My situation is the same, but I only have around 16 (EQ) and 8 (TU/EX) inquries.  I have been nervous since AMEX denied me a BCP for too many inquries.  I'd like to have the Freedom for my "everything else" card until I get approved for the BCP.  X my fingers for ya!!!

[Happychap]

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@webhopper wrote:

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@Happychap wrote:

---

@webhopper wrote:

---

@Happychap wrote:

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-)  I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

---

You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

---

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card.  As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's.  Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc. 

I  noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a  positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit.  Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol)   when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

---

When you call to recon,  Explain these items in red to the analyst.... 

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

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Yes, I have thought about telling them that during a recon.  BTW you have been app free  since Oct 13th? that's an whole 11 days!!! its been 24 hrs for me and im getting the shakes already lol

[jsickz32]

@happychap
The shakes lol

[webhopper]

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@Happychap wrote:

---

@webhopper wrote:

---

@Happychap wrote:

---

@webhopper wrote:

---

@Happychap wrote:

Thnx for the info. I don't think recon would work in my case, I think it would be difficult in explaining why I have over 90 inq on my EQ in two years. Unless they accept 'being a credit addict' as a recon reason :-)  I was just wondering if the system is real time or not. Only I recall from a previous app spree that one banks automated line kept saying "under review" but received a decline letter.. I thought it was Chase but not sure.... Damn, I really wanted this as my main card, I should have apped for it first. No biggie I'll re-apply in 3 months and make sure its my first app in that months spree

---

You could say you were really unsure of which products you wanted, but after reviewing Chase's awesome freedom card, you decided that you really would like to use Chase Freedom for all you're daily spending

I had over 20 when they approved me

---

Well that is kinda true as I have been wanting the chase SP card for a little while now, and would love it to be my main card.  As for the inq's most are from CLI such as Citi when I didn't realize each month that I'd apply for a CLI on my sears, homedeopt and cc would result in HP's.  Others are from app sprees every three months for the last 12 months. Of course these were due to shopping around trying to get a good card with decent benefits etc. 

I  noticed they pulled both EX and EQ this time (the only pulled eq three months back). Looking at ithis in a  positive way they can see I don't carry any cc debt since I PIF and have well over 100K in available cc credit.  Which begs the question why I want another? Because the chase SP is far more awesome than any cc I currently have! (and trust me i have a few lol)   when your building credit you continuously app not just because of the thrills but also each time you hope to get that slightly better deal right ?

---

When you call to recon,  Explain these items in red to the analyst.... 

You were ignorant... not necessarily needing additional credit, but you didn't understand that a HP was a bad thing when you were asking for CLI every month.

---

Yes, I have thought about telling them that during a recon.  BTW you have been app free  since Oct 13th? that's an whole 11 days!!! its been 24 hrs for me and im getting the shakes already lol

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yep.  11 days and counting....  My longest gardening spell was 4 months with no apps

I've been doing great things with the few apps that I've had in the last six months.

in the last six months I've had  1 HP on EX.  2 HP on EQ.  2 HP on TU

[CreditScholar]

Their automated line has been fairly slow lately and I'm ont quite sure why.

When I applied in February for the Presidential Plus card, I was instantly approved. I called in and the system told me my CL within about 24 hours.

I applied for the J.P. Morgan Ritz Carlton card a couple of months ago, and was also instantly approved. However the same automated number couldn't tell me my CL until about 4-5 days later.