Chase Bank Portfolio Department

[Anonymous]

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@CreditInspired wrote:

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@Anonymous wrote:

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@bourgogne wrote:

what is the phone # you were given to call?  how many other cards have you gotten in the past 6 months, what is the total exposure you have with all cards and what is your total util on all cards? 

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Phone # 877-763-3440

Since the Chase Approval 3 new Inq's with 3 new cards. util is at 1% across the board credit score went down 60 point cause of new cards. Avg age 5 years 11 months. Trans 664 from 710 EQ 590 from 665, There a Fraud account which ive notified EQ about before I applied for chase card only shows on EQ.

Cap One $1,000 New Account

Kohls $800 New Account

First P $500 New Account

Dicso $15K (AU) 23 years Old 

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OH MY -- 3 new inqs and credit cards!!! I think that may be why they rescinded the offer. Unfortunately, whether true or not, CCCs view this as desperation for credit.

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I agree hey theres nothing i can do at this point .... Im hoping they want to ask me some security questions

[UncleB]

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@Anonymous wrote:

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@CreditInspired wrote:

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@Anonymous wrote:

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@bourgogne wrote:

what is the phone # you were given to call?  how many other cards have you gotten in the past 6 months, what is the total exposure you have with all cards and what is your total util on all cards? 

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Phone # 877-763-3440

Since the Chase Approval 3 new Inq's with 3 new cards. util is at 1% across the board credit score went down 60 point cause of new cards. Avg age 5 years 11 months. Trans 664 from 710 EQ 590 from 665, There a Fraud account which ive notified EQ about before I applied for chase card only shows on EQ.

Cap One $1,000 New Account

Kohls $800 New Account

First P $500 New Account

Dicso $15K (AU) 23 years Old 

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OH MY -- 3 new inqs and credit cards!!! I think that may be why they rescinded the offer. Unfortunately, whether true or not, CCCs view this as desperation for credit.

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I agree hey theres nothing i can do at this point .... Im hoping they want to ask me some security questions

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We've seen plenty of people apply for multiple cards close together so I personally doubt that's the issue (or at least it's probably not the primary issue).

What I see sticking out is (if I'm reading correctly) your EQ has dropped to 590; that along with the fraud account is enough to raise a red flag. 

Hindsight is always 20/20, but if you were aware of an issue with a fradulent account you would have been better off to have waited before applying for new cards... especially with Chase. 

All we can do here is speculate (which is what I'm doing as well); you'll get definite answers once you call Chase and speak with them.  Hopefully they'll be able to work with your explanation... we'll all keep our fingers crossed for you.  Be sure to let us know how it goes! 

[bourgogne]

be upbeat, direct and professional.  tell them the truth, that you had a major blow out with your ex and you lost you mind for a period of time.  say you want in with chase and list the reasons; upcoming travel, etc.  tell them to drop the sl to $5K.  I am not telling you to beg..well beg lol.  but really, good luck, anything is possible and you have a chance at turning this around.  tu/eq are worthless as ex is their main puller, what was you your fico8 ex when you  apped?

[UncleB]

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@bourgogne wrote:

be upbeat, direct and professional.  tell them the truth, that you had a major blow out with your ex and you lost you mind for a period of time.  say you want in with chase and list the reasons; upcoming travel, etc.  tell them to drop the sl to $5K.  I am not telling you to beg..well beg lol.  but really, good luck, anything is possible and you have a chance at turning this around.  tu/eq are worthless as ex is their main puller, what was you your fico8 ex when you  apped?

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Chase pulled both EX and EQ for each of my cards.  They are known to pull TU for some as well.

[bourgogne]

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@UncleB wrote:

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@bourgogne wrote:

be upbeat, direct and professional.  tell them the truth, that you had a major blow out with your ex and you lost you mind for a period of time.  say you want in with chase and list the reasons; upcoming travel, etc.  tell them to drop the sl to $5K.  I am not telling you to beg..well beg lol.  but really, good luck, anything is possible and you have a chance at turning this around.  tu/eq are worthless as ex is their main puller, what was you your fico8 ex when you  apped?

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Chase pulled both EX and EQ for each of my cards.  They are known to pull TU for some as well.

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true, in socal is almost always ex, i have helped a ton of people with chase, sometimes on a freedom they will double tap tu.  never heard of a eq pull, good to know thx

[UncleB]

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@bourgogne wrote:

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@UncleB wrote:

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@bourgogne wrote:

be upbeat, direct and professional.  tell them the truth, that you had a major blow out with your ex and you lost you mind for a period of time.  say you want in with chase and list the reasons; upcoming travel, etc.  tell them to drop the sl to $5K.  I am not telling you to beg..well beg lol.  but really, good luck, anything is possible and you have a chance at turning this around.  tu/eq are worthless as ex is their main puller, what was you your fico8 ex when you  apped?

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Chase pulled both EX and EQ for each of my cards.  They are known to pull TU for some as well.

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true, in socal is almost always ex, i have helped a ton of people with chase, sometimes on a freedom they will double tap tu.  never heard of a eq pull, good to know thx

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For some reason they love to pull the EX/EQ combo for folks in the Southeast (I've seen - and experienced - the same trend with Citi).

[CreditCuriosity]

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@UncleB wrote:

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For some reason they love to pull the EX/EQ combo for folks in the Southeast (I've seen - and experienced - the same trend with Citi).

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Tell me about it

Yes the new accounts and the huge drop on your EQ score along with the issue on your EQ is what caused it.  I wish you the best, but most likely the card is gone and closed.

[Anonymous]

Dangit! my EX is forzen....would they still consider if my EX is frozen or will they just look at my EQ? any thoughts  

[CreditCuriosity]

They can SP any creditor they want froozen or unfroozen being a current creditor

[Anonymous]

Let us know what happens. According to the DoC most account holders were able to have their accounts reinstated after speaking with lending department. (fingerscrossed) 

https://www.doctorofcredit.com/chase-cancelling-accounts-recent-card-applicants-deem-risky/