Letter to chase

[twist7d7]

thanks for all the help!

[DrZoidberg]

Not to be a **bleep** but if you want to be taken seriously, do a spell check and use the proper grammar and punctuation. I noticed a 'to new' should be 'too new'. Also, you should make sure any contractions have the proper apostrophes and your proper nouns have the right capitalization. Just useful tips in my experience of how to address certain things. 

[azguy13]

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@DrZoiberg wrote:

Not to be a **bleep** but if you want to be taken seriously, do a spell check and use the proper grammar and punctuation. I noticed a 'to new' should be 'too new'. Also, you should make sure any contractions have the proper apostrophes and your proper nouns have the right capitalization. Just useful tips in my experience of how to address certain things. 

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This is why OP asked for our help. People have different strong points which is why asking for advice is great. 

[twist7d7]

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@DrZoiberg wrote:

Not to be a **bleep** but if you want to be taken seriously, do a spell check and use the proper grammar and punctuation. I noticed a 'to new' should be 'too new'. Also, you should make sure any contractions have the proper apostrophes and your proper nouns have the right capitalization. Just useful tips in my experience of how to address certain things. 

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thanks! thats why is was a rough draft. I just want to make sure Im getting all my points in the letter that need to be in there.

[eagle2013]

It may also be worth calling back to recon before sending the letter. If denied again, ask to speak with a senior credit analyst/supervisor. Generally when it escalates to that level they'll try hard to get you approved.

[twist7d7]

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@eagle2013 wrote:

It may also be worth calling back to recon before sending the letter. If denied again, ask to speak with a senior credit analyst/supervisor. Generally when it escalates to that level they'll try hard to get you approved.

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wow i didnt even know that was an option. this next call will be my third. the CSR was really short with me this time and mad it clear that she knew i called before.

[Anonymous]

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@twist7d7 wrote:

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wow i didnt even know that was an option. this next call will be my third. the CSR was really short with me this time and mad it clear that she knew i called before.

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Well, another option is to take the denial!   Then, in a few months try again,  What is the rush, given that Chase clearly don't think it is close?

[twist7d7]

I have a hard time taking a no. I also hate to waste a inq. 

[DaveSignal]

It's hard to explain a short history.  There aren't really any good reasons for having a short history other than "I am new to credit and don't have much experience yet."  I would garden your current cards and try again when you have a more significant history.  Thats what Chase said they wanted, so when you work on that deficit, they will have good reason to approve you.  And it isn't really a wasted inq.  You used that inq to find out what Chase wants improved in order to get the card that you want.  Its not like an inqury tanks your credit score anyway.  Most people here have lots of them.

[eagle2013]

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@twist7d7 wrote:

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@eagle2013 wrote:

It may also be worth calling back to recon before sending the letter. If denied again, ask to speak with a senior credit analyst/supervisor. Generally when it escalates to that level they'll try hard to get you approved.

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wow i didnt even know that was an option. this next call will be my third. the CSR was really short with me this time and mad it clear that she knew i called before.

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Understand that even if you are successful with approval, your likelihood of getting a toy limit ($500) is high. It may grow with you, but Chase does not do auto-CLIs that often, and you'll probably have to end up taking another hard hit for the chance at a CLI, if you even get one at that. If that's something you're willing to do, by all means recon up to the supervisor level. I'm not one to waste an inq either, but IMHO, it may just be better to wait and apply again in 6 months for higher chance at approval, and a limit more reflective of your current profile.