@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:@OP, very sorry this happened and I don’t want to come off as unsympathetic but honestly are you really surprised at what happened? I have friends that are bankers and investment advisors and my take from them is they like it simple, clean and no stories. bt, cash advances, spending patterns out of the norm, are well, out of the norm. giving someone a charge card when you in the past have had issues seems totally insane to me but the point it they maxed it out and it probably reported – you then started to move lines around to better suit your needs and then wham it came apart – chase soft pulled you, things did not line up to their algorithms and they released on you. Get a report, drill deep into the sp’s and I am sure you can piece together what happened to you. I take the term rebuild to its true meaning, start small and build from there. not to make it about me but I look at my chase experience, FU 3/16 $6K @ 23.24%, CSR 11/16 14K @ 16.24% and a CSP yesterday $21K @ 16.49% and the incremental gains makes sense to me – I used the game plan from the forum to a T, pay in full, let one card report each month and never use a sm when a csr is available. If you get the right person, (800) 493-3319 I think they can clean this up for you but for gods sake do not sm them anymore. Get your reports and inspect the sp’s they did on you first. Good luck, you can fix this, you just need to connect with the right person and state your case without any story attached – make it nice and simple and let them help you fix it. finger crossed!
Thanks, and I understand why this happened, that doesn't mean I am not surprised it did happen. Everything in hindsight is 20/20. Should I have messaged Chase to move around some limits and close a card, I know now the answer is no. But think about it this way. The Cap1 card is paid off and has reported that it's paid off, Chase just got $2,500 from me to pay off another card. Leaving me with now 2/4 cards with a balance instead of 3/4 cards with a balance.
Like I said in my original post, I know nothing happens in a vacuum. With Chase I've had the Freedom card since Nov '14 $3k SL auto CLI to $4k maybe six months later, Marriott since Jan '15 $5k SL, AARP since Aug '15 $4k SL, and most recently the United Jan '16 $15k SL, I then moved $1k to Freedom and $1k to AARP since I'm OCD and wanted them each at $5k, and I did that via SM. When my wife got her IHG card at $22k SL, we did the same thing, moved $2k via SM to her Freedom card. Before today I had $28k personal exposure with Chase, $53k if you count my wife's two cards that I'm an AU on. Take a look at my past scores, trust me, I know that rebuilding is not a race.
The BTs I did with Chase were back around June/July timeframe. It seems like I'd do a BT to one card and I'd get three mailers a week from each of my other cards with Chase. They were happy to take my 3% BTs fee, they could have denied the BTs as they state on the BT page, but they didn't. I literally just paid Chase over $2500 to bring the AARP card down to zero and contemplated paying off the Marriott card before sending the request.
First world problems I suppose...
Oz
You know what you are doing, this is clear – the problem is none of us know what THEY are doing. We talk about scores, aaoa, util, etc. but nobody has the exact roadmap of what is happening behind the curtain once the return key is hit. I crashed and burned in 06 like many others and the divorce was icing on the cake. I will never do that again. I step outside of the 2-3 cards everyone else in the world has only because I am points/travel junkie. I would never au, bt, cash adv, do a large charge or anything outside of charge and pif. I play it safe, I view credit as a gift and don’t want to mess up my 2rd chance at it ever again. Call the toll free #, get a good csr or supervisor and get them to fix this. They can. I have made nfcu, penfed and chase total partners in my rebuild. Yesterday I sat across from the banker and told him that I was only getting the csp to churn and to feed the credit line to my other cards and he just laughed as he hit the return key ha-ha. People want to help, it’s in our nature so call them and get them to help and report back. You got this. As a side thought, fck me you have amassed an impressive lineup, well done!
Thanks, I'd be in a lot worse shape without these forums, that's an understatement. You're spot on, we can all speculate about scores, internal scoring, but to add to your statement, I'm not sure even some of the analysts know the whole picture. With how everything is funneled into a computer and then an output is spit out. They'll use that excuse a lot, that they can't override a computer, but we don't even know how true that is. I've had great success with a recon with NFCU twice.
My rebuild involved defaulted student loans and like yours involved a divorce. Your last line made me chuckle, thanks again for the encouragement 
Oz
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:@OP, very sorry this happened and I don’t want to come off as unsympathetic but honestly are you really surprised at what happened? I have friends that are bankers and investment advisors and my take from them is they like it simple, clean and no stories. bt, cash advances, spending patterns out of the norm, are well, out of the norm. giving someone a charge card when you in the past have had issues seems totally insane to me but the point it they maxed it out and it probably reported – you then started to move lines around to better suit your needs and then wham it came apart – chase soft pulled you, things did not line up to their algorithms and they released on you. Get a report, drill deep into the sp’s and I am sure you can piece together what happened to you. I take the term rebuild to its true meaning, start small and build from there. not to make it about me but I look at my chase experience, FU 3/16 $6K @ 23.24%, CSR 11/16 14K @ 16.24% and a CSP yesterday $21K @ 16.49% and the incremental gains makes sense to me – I used the game plan from the forum to a T, pay in full, let one card report each month and never use a sm when a csr is available. If you get the right person, (800) 493-3319 I think they can clean this up for you but for gods sake do not sm them anymore. Get your reports and inspect the sp’s they did on you first. Good luck, you can fix this, you just need to connect with the right person and state your case without any story attached – make it nice and simple and let them help you fix it. finger crossed!
Thanks, and I understand why this happened, that doesn't mean I am not surprised it did happen. Everything in hindsight is 20/20. Should I have messaged Chase to move around some limits and close a card, I know now the answer is no. But think about it this way. The Cap1 card is paid off and has reported that it's paid off, Chase just got $2,500 from me to pay off another card. Leaving me with now 2/4 cards with a balance instead of 3/4 cards with a balance.
Like I said in my original post, I know nothing happens in a vacuum. With Chase I've had the Freedom card since Nov '14 $3k SL auto CLI to $4k maybe six months later, Marriott since Jan '15 $5k SL, AARP since Aug '15 $4k SL, and most recently the United Jan '16 $15k SL, I then moved $1k to Freedom and $1k to AARP since I'm OCD and wanted them each at $5k, and I did that via SM. When my wife got her IHG card at $22k SL, we did the same thing, moved $2k via SM to her Freedom card. Before today I had $28k personal exposure with Chase, $53k if you count my wife's two cards that I'm an AU on. Take a look at my past scores, trust me, I know that rebuilding is not a race.
The BTs I did with Chase were back around June/July timeframe. It seems like I'd do a BT to one card and I'd get three mailers a week from each of my other cards with Chase. They were happy to take my 3% BTs fee, they could have denied the BTs as they state on the BT page, but they didn't. I literally just paid Chase over $2500 to bring the AARP card down to zero and contemplated paying off the Marriott card before sending the request.
First world problems I suppose...
Oz
You know what you are doing, this is clear – the problem is none of us know what THEY are doing. We talk about scores, aaoa, util, etc. but nobody has the exact roadmap of what is happening behind the curtain once the return key is hit. I crashed and burned in 06 like many others and the divorce was icing on the cake. I will never do that again. I step outside of the 2-3 cards everyone else in the world has only because I am points/travel junkie. I would never au, bt, cash adv, do a large charge or anything outside of charge and pif. I play it safe, I view credit as a gift and don’t want to mess up my 2rd chance at it ever again. Call the toll free #, get a good csr or supervisor and get them to fix this. They can. I have made nfcu, penfed and chase total partners in my rebuild. Yesterday I sat across from the banker and told him that I was only getting the csp to churn and to feed the credit line to my other cards and he just laughed as he hit the return key ha-ha. People want to help, it’s in our nature so call them and get them to help and report back. You got this. As a side thought, fck me you have amassed an impressive lineup, well done!
Thanks, I'd be in a lot worse shape without these forums, that's an understatement. You're spot on, we can all speculate about scores, internal scoring, but to add to your statement, I'm not sure even some of the analysts know the whole picture. With how everything is funneled into a computer and then an output is spit out. They'll use that excuse a lot, that they can't override a computer, but we don't even know how true that is. I've had great success with a recon with NFCU twice.
My rebuild involved defaulted student loans and like yours involved a divorce. Your last line made me chuckle, thanks again for the encouragement
Oz
dude, don't even try and compare meltdowns, I have everyone here beat. really. would you please call chase and fix this so I can go back to eating my junk food! come on
Chase isn't the only show in town. Atleast not for this kid. Out of all my lenders, they are one of the least used in my portfolio. They could close all my Chase accounts and I wouldn't skip a beat! Sorry to read of your troubles Oz. The good thing is, you have many other lenders that would be glad to have your business.
Tried the number you posted earlier, they transferred me to someone with Marriott cards who said lending saw my request and was not happy with my revolving balances and instead decreased my limits. I asked if she was able to see any of the information in the letters they hinted at or someone I could talk to in lending for a possible reconsideration of their decision. She said she could see the letter had been sent out, but not what was in the letter 
Oz