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app for chase 7 - 10 day message who do i call?

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twist7d7
Regular Contributor

Re: app for chase 7 - 10 day message who do i call?

ok i was just wondering what has worked for people in the past. id hate to have burnt a inquery 

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Message 11 of 26
myjourney
Super Contributor

Re: app for chase 7 - 10 day message who do i call?


@twist7d7 wrote:

ive never done a recon before. is it a hi i applied didnt get approved and then just beg for a card?


CSR You were denied 

You I wish to be re-considered

CSR tell me about such and such 

You Answer truthfully 

CSR either approved or denied 

You if denied before you go is there anyway I could start with a small limit to prove myself I really want to build a relationship with your bank 

Good luck 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 12 of 26
j_casteel
Valued Contributor

Re: app for chase 7 - 10 day message who do i call?

The inquiry is already a done deal. You can try to recon as many times as you feel necessary. Most will try a handful of times and if no approval then just wait. If you are getting denied for inquiries then try to call and justify them. If all else fails then wait 12mo then app again.
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 13 of 26
twist7d7
Regular Contributor

Re: app for chase 7 - 10 day message who do i call?

ok thanks for the tips. how does one justify inqures? i really do want to build a relationship with chase and get the CSP in about a year.

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Message 14 of 26
twist7d7
Regular Contributor

Re: app for chase 7 - 10 day message who do i call?

just called the were ok with the inqueries this time now its just short history. i guess i will just keep trying until i get the right CSR

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Message 15 of 26
johnpalley
Established Contributor

Re: app for chase 7 - 10 day message who do i call?

is there a record of each call?

Message 16 of 26
myjourney
Super Contributor

Re: app for chase 7 - 10 day message who do i call?


@johnpalley wrote:

is there a record of each call?


With Chase yes 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 17 of 26
johnpalley
Established Contributor

Re: app for chase 7 - 10 day message who do i call?


@myjourney wrote:

@johnpalley wrote:

is there a record of each call?


With Chase yes 


lol thats funny. im suprised the second person even talks to you after you called the first time lol

Message 18 of 26
Kenny
Moderator Emeritus

Re: app for chase 7 - 10 day message who do i call?


@twist7d7 wrote:

just called the were ok with the inqueries this time now its just short history. i guess i will just keep trying until i get the right CSR


I would just start out by saying, I know I have a short history, but I'm a very reliable 21 year old. I'm trying to start out my life on the right foot by insuring I have excellent credit for the year in which I'll need a mortgage come that time. Chase is a great bank, and I'd love to just be given the opportunity to prove myself. I would be happy to accept any level of credit line with you guys. I value the rewards program that you offer, as well.

 

etc etc. Best of luck!!

Message 19 of 26
myjourney
Super Contributor

Re: app for chase 7 - 10 day message who do i call?


@johnpalley wrote:

@myjourney wrote:

@johnpalley wrote:

is there a record of each call?


With Chase yes 


lol thats funny. im suprised the second person even talks to you after you called the first time lol


Yeah the Chase system at work and what's even more funny is the 3rd or 4th person may approve but there have been cases were one person says didn't you call before and speak with another analyst Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 20 of 26
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