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Chase Marriott letter* Update

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Anonymous
Not applicable

Chase Marriott letter* Update

Ii apped for a Chase Marriott card a few weeks ago and got the 7-10 day message and assumed I was denied.  I received a letter today from the Chase fraud department asking me to call and verify some information.  I called and they wanted to verify my SSN and Chase checking account balance.  I was put on hold and then was advised they will need more info from me and I will get another letter on how to proceed in 5-7 days.  They said I might have to send in a copy of my DL or a utility bill.  I verified that the letter was from Chase but it just sounds odd to me.  Has anyone had this happen on this CC?  My score aren't that fantastic since I am rebuilding- 680.s across the board but I bank with Chase and have 2000.00 in checking and 6000.00 in savings.  I also have a Chase Freedom for 1200.00 and Slate for 1200.00 plus a few other bank cards  not with Chase.  My utilization is at 5% and I pay in full on all cards each month but one.  I make 80000 per year and run all my expenses through my Chase cards.  Does this sound like I will be approved?.  I am glad I wasn't denied outright and I'm hoping that the need to verify info is a good thing and not a big let down.  

 

UPDATE.  I called Chase back today asking what they needed me to fax in rather than wait for the letter.  They wanted a copy of my DL which I faxed right away.  How long shoul I wait to call back?. The rep said 14 days but I'm no sure that is accurate.  

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Chase Marriott letter

No, not really.  I had to do this once before.  Chase does take a bit sometimes.  I would keep in touch and send them what they need.  Keeping fingers crossed for you!  

Message 2 of 15
rlx01
Established Contributor

Re: Chase Marriott letter

Sounds like approval. Might be a big limit and they're concerned about fraud.
Message 3 of 15
CreditCuriosity
Moderator Emeritus

Re: Chase Marriott letter

Sounds like an approval to me and your income is healthly and your scores are fine for the card.. I am assuming an 8k+ limit or so.

Message 4 of 15
takeshi74
Senior Contributor

Re: Chase Marriott letter


@Anonymous wrote:

Ii apped for a Chase Marriott card a few weeks ago and got the 7-10 day message and assumed I was denied.  


7-10 just means that an instant approval is not possible and that further manual review is required.  It may lead to denials in many cases but if it was a flat out denial you'd receive a denial instead of 7-10.

 


@Anonymous wrote:

Has anyone had this happen on this CC?


Many have.  It doesn't happen to everyone but it's not unusual.  Creditors can and do verify identitiy.  They can and do verify income.

 


@Anonymous wrote:

My score aren't that fantastic since I am rebuilding- 680.s across the board but I bank with Chase and have 2000.00 in checking and 6000.00 in savings.  I also have a Chase Freedom for 1200.00 and Slate for 1200.00 plus a few other bank cards  not with Chase.  My utilization is at 5% and I pay in full on all cards each month but one.  I make 80000 per year and run all my expenses through my Chase cards.  Does this sound like I will be approved?. 


We have no idea other than the verification indicates that you haven't been denied yet.  Your deposit accounts are not relevant.

Message 5 of 15
Anonymous
Not applicable

Re: Chase Marriott letter


@Anonymous wrote:

Ii apped for a Chase Marriott card a few weeks ago and got the 7-10 day message and assumed I was denied.  I received a letter today from the Chase fraud department asking me to call and verify some information.  I called and they wanted to verify my SSN and Chase checking account balance.  I was put on hold and then was advised they will need more info from me and I will get another letter on how to proceed in 5-7 days.  They said I might have to send in a copy of my DL or a utility bill.  I verified that the letter was from Chase but it just sounds odd to me.  Has anyone had this happen on this CC?  My score aren't that fantastic since I am rebuilding- 680.s across the board but I bank with Chase and have 2000.00 in checking and 6000.00 in savings.  I also have a Chase Freedom for 1200.00 and Slate for 1200.00 plus a few other bank cards  not with Chase.  My utilization is at 5% and I pay in full on all cards each month but one.  I make 80000 per year and run all my expenses through my Chase cards.  Does this sound like I will be approved?.  I am glad I wasn't denied outright and I'm hoping that the need to verify info is a good thing and not a big let down.  


Definitely approved.  The exact same thing happened with me when I applied for the Marriott card.  I faxed a copy of my DL, called back in a week or so.  Unfortunately the first fax of my DL I didn't convert to B&W first and they said they couldn't read anything on my license.  I scanned my DL again, converted it to B&W, and faxed it off again.  Waited another week called, spoke with someone from verification who double checked all my info, put me on hold for what seemed liked an eternity and then told me I was approved for $5000.

 

My scores were WAY lower than yours, I'm thinking in the 620 range.  I was approved for a Freedom for $3000 a month or two earlier.  If I had to guess your limit should be pretty decent with scores in the 680s.

 

Congrats in advance (that's what everyone told me when I posted my thread, so I figure it's appropriate) Smiley Very Happy

 

Oz

Message 6 of 15
Anonymous
Not applicable

Re: Chase Marriott letter

Thanks all for the information.! I'm keeping my fingers crossed and will update once I have an answer.
Message 7 of 15
Anonymous
Not applicable

Re: Chase Marriott letter

I get offers in the mail all the time......"we're offering select marriot members anexciting opportunity, blah blah......" and I never apply because I only have a 640 and wouldn't think Chase would ever even consider me.

 

That's great that you got in with a 620....wow!

Message 8 of 15
taxi818
Super Contributor

Re: Chase Marriott letter


@Anonymous wrote:

Ii apped for a Chase Marriott card a few weeks ago and got the 7-10 day message and assumed I was denied.  I received a letter today from the Chase fraud department asking me to call and verify some information.  I called and they wanted to verify my SSN and Chase checking account balance.  I was put on hold and then was advised they will need more info from me and I will get another letter on how to proceed in 5-7 days.  They said I might have to send in a copy of my DL or a utility bill.  I verified that the letter was from Chase but it just sounds odd to me.  Has anyone had this happen on this CC?  My score aren't that fantastic since I am rebuilding- 680.s across the board but I bank with Chase and have 2000.00 in checking and 6000.00 in savings.  I also have a Chase Freedom for 1200.00 and Slate for 1200.00 plus a few other bank cards  not with Chase.  My utilization is at 5% and I pay in full on all cards each month but one.  I make 80000 per year and run all my expenses through my Chase cards.  Does this sound like I will be approved?.  I am glad I wasn't denied outright and I'm hoping that the need to verify info is a good thing and not a big let down.  


Yes. This has happened many times. you could have answered something wrong. as long as you follow thru and don't take too much time. you are approved more than likely. your scores are good enough.

Message 9 of 15
Anonymous
Not applicable

Re: Chase Marriott letter* Update


UPDATE. I called Chase back today asking what they needed me to fax in rather than wait for the letter. They wanted a copy of my DL which I faxed right away. How long shoul I wait to call back?. The rep said 14 days but I'm no sure that is accurate.
Message 10 of 15
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