Chase Reconsideration

[Jm1248]

Ever had to explain to recon why you need so many at once ? Or are they for 4 different businesses ?

I have 3 inks at any given time for same biz. Don't think they ever asked me why I need so many. They're usually more worried about how established the business is/length of biz credit history

[Tom Brady]

I have all the inks & business was just 12k income and 1-2 years old when I applied (depending on which app). Granted it took a few huca's but I never had a real problem

I got my last IP 6 months ago but have had over 4 open at a time since I started this game .

Do you guys have a good relationship with Chase elsewhere, checking or savings account?

[Jm1248]

Do you guys have a good relationship with Chase elsewhere, checking or savings account?

I have a checking and savings with them for over 5 yrs.

[Tom Brady]

I have a checking and savings with them for over 5 yrs.

Nice. I wonder if that's a significant factor.

[leaf]

Chase Reconsideration seems to be really hung up on this "too many recent applications" issue.  I was explicitly told by supervisor that was the ONLY reason she could not find a way to approve an Ink, even though both business and personal bank accounts are with Chase.  She bought all my explanations (why I needed so many cards etc)  but basically just said impossible to approve with so many recent credit requests.  (seems like they are mainly concerned with Chase applications, though they may point to others to reinforce/entrap).
It seems like a new brick wall (at least for UR cards).
Would like to hear any data points to the contrary from the last couple months. 

[PETERP]

Do you guys have a good relationship with Chase elsewhere, checking or savings account?

I have every account they offer . Oil the  wheels !

[Tom Brady]

I have every account they offer . Oil the  wheels !

I'm going to assume you're a steady banking customer, and don't churn those accounts too. If that's the case, this would be another data point that goes to show that it is/was always easier to get Chase cards if you have a relationship with them banking as well; especially hard to get cards like the Ink's.

Now @Yehuda better not have a long time banking relationship with Chase, otherwise this wouldn't explain why he had a harder time getting the Ink's than PETERP and Jm1248. Obviously there are probably several other factors as well though.

[TimT]

(seems like they are mainly concerned with Chase applications, though they may point to others to reinforce/entrap).

They've been denying some that only have 2-3 chase cards based on too many from other banks.

[Tom Brady]

They've been denying some that only have 2-3 chase cards based on too many from other banks.

Well he was referring to an Ink card, which people are still not completely sure what the case is. So maybe it's somewhere in between?

[leaf]

They've been denying some that only have 2-3 chase cards based on too many from other banks.

Fair enough.
With me main point was Chase.  Bear in mind also I have regular long term (over decade) personal and business banking relationship with them.
Posts about non-recent successes and failures seem irrelevant.  It's about whether things have changed in last month or two. 

[TimT]

It's about whether things have changed in last month or two.

Oh it has

[d3athrow]

36k is pretty low business income. Not saying people haven't gotten it but..

When i talked about the declining elsewhere, guy claimed he got it through recon on the same day i was denied recon with $2,000 business income and 1 year business age.

Edit: Just remembered maybe an interesting data point, dunno if its common knowledge but they pulled TU on the Ink+ opposed to on the Freedom they had pulled EXP

[TimT]

When i talked about the declining elsewhere, guy claimed he got it through recon on the same day i was denied recon with $2,000 business income and 1 year business age.

Edit: Just remembered maybe an interesting data point, dunno if its common knowledge but they pulled TU on the Ink+ opposed to on the Freedom they had pulled EXP

wow, not many reports like that recently.

[@Yehuda]

@Yehuda doesn't have an ink?

What a sad world.

I can't believe it either. Although it's also not really a secret if you know where to find me.

I'm going to assume you're a steady banking customer, and don't churn those accounts too. If that's the case, this would be another data point that goes to show that it is/was always easier to get Chase cards if you have a relationship with them banking as well; especially hard to get cards like the Ink's.

Now @Yehuda better not have a long time banking relationship with Chase, otherwise this wouldn't explain why he had a harder time getting the Ink's than PETERP and Jm1248. Obviously there are probably several other factors as well though.

Wop wop. Have had bank accounts with them for over 5 years. Had a business bank account that had my name on it in which over a million dollars passed through (which was the final factor that got me approved for my SW Biz card - my only Chase biz card ever). Also have (don't ask me why) a Chase Investments account.

[TimT]

I can't believe it either. Although it's also not really a secret if you know where to find me.
Wop wop. Have had bank accounts with them for over 5 years. Had a business bank account that had my name on it in which over a million dollars passed through (which was the final factor that got me approved for my SW Biz card - my only Chase biz card ever). Also have (don't ask me why) a Chase Investments account.

With that kind of money going through your account hasn't a banker been able to help you at all ?

[Tom Brady]

I can't believe it either. Although it's also not really a secret if you know where to find me.
Wop wop. Have had bank accounts with them for over 5 years. Had a business bank account that had my name on it in which over a million dollars passed through (which was the final factor that got me approved for my SW Biz card - my only Chase biz card ever). Also have (don't ask me why) a Chase Investments account.

Wow! I was way off. It's suprising that you haven't been able to get approved for an Ink, when so many "less qualified" people have.

[PETERP]

I'm going to assume you're a steady banking customer, and don't churn those accounts too. If that's the case, this would be another data point that goes to show that it is/was always easier to get Chase cards if you have a relationship with them banking as well; especially hard to get cards like the Ink's.

Now @Yehuda better not have a long time banking relationship with Chase, otherwise this wouldn't explain why he had a harder time getting the Ink's than PETERP and Jm1248. Obviously there are probably several other factors as well though.

I am a steady customer . I also churn these cards.

I can't believe it either. Although it's also not really a secret if you know where to find me.
Wop wop. Have had bank accounts with them for over 5 years. Had a business bank account that had my name on it in which over a million dollars passed through (which was the final factor that got me approved for my SW Biz card - my only Chase biz card ever). Also have (don't ask me why) a Chase Investments account.

Have had a bank account with them for at least 15 years . But have not Run more than a million
Thru it in all that time .
 Keep high balances in checking and savings , so maybe that helps. Also Had SW, UA , and Marriot biz with them ! YMMV I guess ?

[Jm1248]

Yea ymmv probably. I also churn and I only have bank accounts with them for 5 years which is nothing special. I also got my wife approved a few months ago for ink plus even though she had no biz history and I put income down as 6k

[moeg]

I just applied for a freedom for my wife. She called up recon and they basically told her that since I have too many cards they wont approve her and the only reason they considered it was because i was the one who applied. Even if she says all those cards are mine then they say she has no credit history.
Did anyone ever have this sort of thing?
Also how can they know that i was the one who applied???

[TimT]

I just applied for a freedom for my wife. She called up recon and they basically told her that since I have too many cards they wont approve her and the only reason they considered it was because i was the one who applied. Even if she says all those cards are mine then they say she has no credit history.
Did anyone ever have this sort of thing?
Also how can they know that i was the one who applied???

She has no credit history whatsoever ?