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DansDeals Forum => Credit Cards => Topic started by: yaakov s on June 26, 2011, 01:04:27 PM

Title: Chase Reconsideration
Post by: yaakov s on June 26, 2011, 01:04:27 PM
I've been calling for a handful of people to try to get their cards approved over the last few days. I keep on getting the same response its pending and we can't discuss it you will get a letter. Today I asked the CSR if anything changed since in the past after 2-3 days you were able to discuss it and see if it could be recommended for approval . She said we have gotten many applications and this is the policy , sorry.

Has anyone had this experience?
Title: Re: Chase Reconsideration
Post by: myb821 on June 26, 2011, 01:10:01 PM
sometimes they go into a pending stage where the csr cant do anythign
Title: Re: Chase Reconsideration
Post by: compddd on June 26, 2011, 01:15:18 PM
Happened to my girlfriend when she applied for Sapphire Preferred

I called for her and got the same response, "It's pending, go **** yourself."
Title: Re: Chase Reconsideration
Post by: yaakov s on June 26, 2011, 01:21:50 PM
sometimes they go into a pending stage where the csr cant do anythign
I called for 7 people some applied over a week ago . I only got one response for a denial on Sapphire because he already had the regular card. Are they all pending?
Title: Re: Chase Reconsideration
Post by: Smokey Joe Robinson on June 26, 2011, 06:52:17 PM
im pending too for a few days, no new info...
Title: Re: Chase Reconsideration
Post by: Saver2000 on June 26, 2011, 07:03:39 PM
I applied for the co opp on may 5th. I called recon on june 3rd and moved over some credit from an existing card. Its pending ever since then - its been 3 weeks already.
Title: Re: Chase Reconsideration
Post by: Smokey Joe Robinson on June 26, 2011, 07:22:35 PM
I applied for the co opp on may 5th. I called recon on june 3rd and moved over some credit from an existing card. Its pending ever since then - its been 3 weeks already.
they seemed backed up
Title: Re: Chase Reconsideration
Post by: compddd on June 26, 2011, 07:45:01 PM
Yeah really backed up
Title: Re: Chase Reconsideration
Post by: Saver2000 on June 27, 2011, 09:49:01 AM
I applied for the co opp on may 5th. I called recon on june 3rd and moved over some credit from an existing card. Its pending ever since then - its been 3 weeks already.

Update: I just called and they said that my app finished being processed on Friday (and that I was approved for $4000!) -- so it took exactly 3 weeks for the process.   
Title: Re: Chase Reconsideration
Post by: aryeh1 on July 21, 2011, 01:15:47 PM
I was denied for having too many recent requests. I called reconsideration 3 times but was constantly denied and they saw I called three times before...any ideas ?
Title: Re: Chase Reconsideration
Post by: scwam on July 21, 2011, 02:28:31 PM
I am trying to be reconsidered this weekend for the Sapphire. I was denied because I was already approved for 2 cards in the last 70 days (CO and BA). I called today to find out the absolute last day to ask for reconsideration. Tomorrow will be 60 days from my last approval, so I want to wait until 61 days since last approval. The rep told me that it's not 60 days but 6 months. I had the credit pull on 5/22 and denied on 5/26. He told me the last day to reconsider would be 6/25 (30 days from denial, not credit pull). He immediately asked why I had closed a previous CO card in 6 months ago and opened a new one 2 months ago. I was at a loss and told him I travel to China at least once a year and there weren't many competing flights to China for a decent price other than Continental and that I would get double miles on the CO flight purchases. So I hope I didn't sound like I was just making stuff up because he precluded to me that when I go forward with recon to "be prepared for a lengthy amount of questions why you want another card". I know they are trying to filter out people that are about to burn-up their credit limits and Churners. So I hope my excuse for another card is a valid one when I call. Any additional advise is appreciated.
Title: Re: Chase Reconsideration
Post by: gswannabe on July 21, 2011, 06:42:10 PM
was denied for the sapphire card as i had to many inquiries in the past 6 months
amex plat twice, amex gold, cap 1, ba, aa,
called recon and credit analyst many times, nothing doing
Today i got thru to a credit analyst supervisor who approved me after lowering the limit on my continental card ( annual fee due 2moro  ;D ) and shifting it to my new sapphire card !
never give up
Title: Re: Chase Reconsideration
Post by: Nitantnel on July 21, 2011, 08:00:55 PM
was denied for the sapphire card as i had to many inquiries in the past 6 months
amex plat twice, amex gold, cap 1, ba, aa,
called recon and credit analyst many times, nothing doing
Today i got thru to a credit analyst supervisor who approved me after lowering the limit on my continental card ( annual fee due 2moro  ;D ) and shifting it to my new sapphire card !
never give up

It's interesting to see that there are real hostlers besides for those active on the forums!
Title: Re: Chase Reconsideration
Post by: gswannabe on July 21, 2011, 10:51:03 PM
 ;)
long time lurker
Title: Re: Chase Reconsideration
Post by: arid on July 21, 2011, 11:26:58 PM
the problem with pending is that if you did a 3bm then the first one or 2 you got approved for is one credit check, and the pending one is checked a day later.
i got denied my last one, so iwalked into a chase bank today and sat down with a banker. told him i want 3 cards to diversify my miles and that if he can make a call or two and get me approved, i would open a checking account on the spot.
he called, i got approved, i walked across the street to citi, took some money out, opened a new checking and got a $125 bonus. whole thing took me an 45min and i got 30k CO miles and $125. not a bad day
Title: Re: Chase Reconsideration
Post by: elikay on July 21, 2011, 11:53:43 PM
@arid
Indeed impressive!
Title: Re: Chase Reconsideration
Post by: Bh101 on July 21, 2011, 11:58:15 PM
;)
long time lurker
in that case welcome into a new world of being active in the forums!
Title: Re: Chase Reconsideration
Post by: dans fan on July 22, 2011, 12:08:27 AM
the problem with pending is that if you did a 3bm then the first one or 2 you got approved for is one credit check, and the pending one is checked a day later.
i got denied my last one, so iwalked into a chase bank today and sat down with a banker. told him i want 3 cards to diversify my miles and that if he can make a call or two and get me approved, i would open a checking account on the spot.
he called, i got approved, i walked across the street to citi, took some money out, opened a new checking and got a $125 bonus. whole thing took me an 45min and i got 30k CO miles and $125. not a bad day
usually they make you do the $10k thing your lucky man
Title: Re: Chase Reconsideration
Post by: arid on July 22, 2011, 12:13:27 AM
@arid
Indeed impressive!

stop! im blushing!
Title: Re: Chase Reconsideration
Post by: arid on July 22, 2011, 12:14:14 AM
usually they make you do the $10k thing your lucky man

whats the 10k thing?
Title: Re: Chase Reconsideration
Post by: dans fan on July 22, 2011, 12:24:24 AM
some official letter that says pleas recon this member he is a chase client and has a acc in good standing with a bal of 10k .... i dont know how much it helps for someone who didnt have success with  the reg method of sweet talking the rep at the recon dept
Title: Re: Chase Reconsideration
Post by: Cholentfresser on July 22, 2011, 11:29:24 AM
I recently got denied for the Saphire card, because "you already have the maximum amount of credit we can offer you", "too many recent requests for credit or reviews of your credit", and "Too many credit or loan accounts have been opened recently".

i just called reconsideration, and i told the guy that i signed up for it because the points are much more valuable than the other cards which i have because they can be used for a lot of airlines and for hotels, so he offered to transfer credit from my other card, and he approved me on the spot. he said it should take 2 weeks for the card to come in the mail. i wonder why it takes so long...

once i had him on the line, i asked him if he had access to my experian fico score which was pulled for this app, he told me he does, but he can't give it to me, but all he can say is that i have nothing to worry about. but he said i should stop with applications for the next 6 months.
Title: Re: Chase Reconsideration
Post by: AsherO on July 22, 2011, 03:28:26 PM
once i had him on the line, i asked him if he had access to my experian fico score which was pulled for this app, he told me he does, but he can't give it to me, but all he can say is that i have nothing to worry about. but he said i should stop with applications for the next 6 months.

::)
Title: Re: Chase Reconsideration
Post by: elikay on July 22, 2011, 03:33:53 PM
@AsherO
This does reinforce your 3-6 monthe lookback timeframe.
Title: Re: Chase Reconsideration
Post by: AsherO on July 22, 2011, 03:40:34 PM
@AsherO
This does reinforce your 3-6 monthe lookback timeframe.

+1

Official policy, sweet-talking recon usually gets around it.
Title: Re: Chase Reconsideration
Post by: Cholentfresser on July 22, 2011, 03:51:02 PM
yea, that's their official policy, but they also told me something similar to that last time I called, so it can't be too true, bc that was not too long ago...
I had a nice conversation with the rep about building up credit for beginners, etc. he seemed like a nice guy.
Title: Re: Chase Reconsideration
Post by: AsherO on July 22, 2011, 03:55:02 PM
yea, that's their official policy, but they also told me something similar to that last time I called, so it can't be too true, bc that was not too long ago...
I had a nice conversation with the rep about building up credit for beginners, etc. he seemed like a nice guy.

I was going to make that exact point. He's telling you wait six months, but here he is approving you within six months.

Considering their 'window' of vision is six months back, anything approved more than six months prior to your current application (even if you've applied since and been approved) will just be considered another open account. I'd say you could churn every 3-4 months (as long as inquiries aren't hitting this bureau from other issuers as well).
Title: Re: Chase Reconsideration
Post by: scwam on July 23, 2011, 04:04:53 PM
I am trying to be reconsidered this weekend for the Sapphire. I was denied because I was already approved for 2 cards in the last 70 days (CO and BA). I called today to find out the absolute last day to ask for reconsideration. Tomorrow will be 60 days from my last approval, so I want to wait until 61 days since last approval. The rep told me that it's not 60 days but 6 months. I had the credit pull on 5/22 and denied on 5/26. .................................................

Wow, this is 3 for 3 on on the recon within 72 days! Approved for Sapphire without hardly any questioning other than personal data. Was told the credit line and suprised at how generous it was considering I already have 17.5k with them. I called 3 times in attempt to get a young woman with a cute voice as suggested here. I've been told my voice sounds kind of sexy to women on the phone so i utilized that to my advantage  8) I think the key is to get these people when there are about to either be off their shift or have just started and not already in a stressed mood (I called Sat at 3:55pm).
Title: Re: Chase Reconsideration
Post by: elikay on July 23, 2011, 09:49:54 PM
Noch einer fun zei...
Title: Re: Chase Reconsideration
Post by: bem684 on July 23, 2011, 10:56:09 PM
I applied for 3 cards for me and 3 for my wife using 3bm.  We both got rejected on UA for too many recent applications.  Then tonight I checked the mail and we both got letters about the CO and Sapph apps saying that we each have those types of account open already.  The letter doesn't say rejected but it does say,

"We appreciate you interest in our CONTINENTAL (or Chase Sapphire) credit card.  Our records show that you already have a CONTINENTAL account. 

To ensure that you have the best credit card to meet your needs, we would like to speak with you.  Please give us a call at 1-888-220-6931 to speak with one of our customer service specialists so we can learn more about your credit needs and answer any questions you may have about your existing account."

It goes on to say that if I don't respond within 14 days the application will be considered withdrawn.

Has anyone gotten this letter?  What do you say to justify wanting two cards of the exact same type?  I'm thinking I should just call about the UA cards first and try to get them opened.  If I have to close CO or Sapph to get UA approved, I might be able to use that as justification for the CO or Sapph application.
Title: Re: Chase Reconsideration
Post by: yaakov s on July 23, 2011, 11:32:49 PM
Noch einer fun zei...
antshuldiks er hat tzugehert tzu einer fun di chashuvim da vd"l
Title: Re: Chase Reconsideration
Post by: scwam on July 23, 2011, 11:59:39 PM
Has anyone gotten this letter?  What do you say to justify wanting two cards of the exact same type?  I'm thinking I should just call about the UA cards first and try to get them opened.  If I have to close CO or Sapph to get UA approved, I might be able to use that as justification for the CO or Sapph application.

I have churned the CO card. I closed it Jan of this year after getting a 35k bonus and received the 2nd card and bonus in May/June. The Credit Analyst I spoke to 2 days ago had even asked me why but I made up some overseas excuse about CO being preferred. I wasn't asking him to reconsider at that time, but asking him when the latest date I can reconsider. He just made it clear to me that I would have a lot of questions. That turned out to be false. I did a lot of work to prepare for the CO churn including making a new FF# and changing address info on the old FF# and planning the timing of closure and opening of the accounts. Luckily they still haven't taken back the miles. Your situation is unique and obviously brings a closer eye to churning on their behalf.
Title: Re: Chase Reconsideration
Post by: bem684 on July 26, 2011, 07:37:11 AM
I applied for 3 cards for me and 3 for my wife using 3bm.  We both got rejected on UA for too many recent applications.  Then tonight I checked the mail and we both got letters about the CO and Sapph apps saying that we each have those types of account open already.  The letter doesn't say rejected but it does say,

"We appreciate you interest in our CONTINENTAL (or Chase Sapphire) credit card.  Our records show that you already have a CONTINENTAL account. 

To ensure that you have the best credit card to meet your needs, we would like to speak with you.  Please give us a call at 1-888-220-6931 to speak with one of our customer service specialists so we can learn more about your credit needs and answer any questions you may have about your existing account."

It goes on to say that if I don't respond within 14 days the application will be considered withdrawn.

Has anyone gotten this letter?  What do you say to justify wanting two cards of the exact same type?  I'm thinking I should just call about the UA cards first and try to get them opened.  If I have to close CO or Sapph to get UA approved, I might be able to use that as justification for the CO or Sapph application.

Has nobody gotten this letter before?  I'd think somebody must have!
Title: Re: Chase Reconsideration
Post by: bem684 on July 26, 2011, 07:39:43 AM
I tried googling 1-888-220-6931 and nothing shows up.  I don't even know what dept it is.
Title: Re: Chase Reconsideration
Post by: joesol on August 01, 2011, 01:47:14 PM
Just got off the phone with Chase reconsideration department. I applied for the United, Continental, and Sapphire about 2 weeks ago using the 3 browser method. I received a denial letter for the United based on "too many request for credit or opened accounts with us." They are telling me that they only allow 2 applications within a 30 days period. Is this true?

They told me to choose 2/3 cards and they will try to approve only those 2 and then I would have to reapply for the 3rd after 30 days.
Title: Re: Chase Reconsideration
Post by: atlas310 on August 01, 2011, 01:52:08 PM
I applied for the Sapphire Preferred in June and the Freedom in July. I just applied for the Continental and got denied because of "too many open accounts or recent applications for approval." Called the number and spoke with a courteous CSR who I politely asked if I could just move part of the credit from my Freedom to the Continental. He said no problem and that was that.
Title: Re: Chase Reconsideration
Post by: Cholentfresser on August 01, 2011, 01:57:20 PM
I applied for the Sapphire Preferred in June and the Freedom in July. I just applied for the Continental and got denied because of "too many open accounts or recent applications for approval." Called the number and spoke with a courteous CSR who I politely asked if I could just move part of the credit from my Freedom to the Continental. He said no problem and that was that.
Congrats!
Title: Re: Chase Reconsideration
Post by: AsherO on August 01, 2011, 02:08:13 PM
Just got off the phone with Chase reconsideration department. I applied for the United, Continental, and Sapphire about 2 weeks ago using the 3 browser method. I received a denial letter for the United based on "too many request for credit or opened accounts with us." They are telling me that they only allow 2 applications within a 30 days period. Is this true?

They told me to choose 2/3 cards and they will try to approve only those 2 and then I would have to reapply for the 3rd after 30 days.

Choose 2 cards, once they are approved call and get a rep to close an old card and push through the new approval.

Congrats!

+1
Title: Re: Chase Reconsideration
Post by: joesol on August 01, 2011, 02:34:40 PM
I dont have old cards. I also dont want to hurt my credit.
Title: Re: Chase Reconsideration
Post by: AsherO on August 01, 2011, 02:37:47 PM
I dont have old cards. I also dont want to hurt my credit.

Choose the two that are most valuable to you and get them approved, then try to push the other one through (closing an old card was one example of how to push it through, Atlas310 just posted another example of what might work for you, and I'm sure if you searched on the forums you can find other techniques that have worked for others).
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 01, 2011, 06:01:51 PM
What could you possibly answer recon when they say denied because of too short credit history?
Title: Re: Chase Reconsideration
Post by: bem684 on August 01, 2011, 06:41:24 PM
What could you possibly answer recon when they say denied because of too short credit history?

Tell them you actually have a very long credit history but were forced to change your name and Social Security number in order to apply for new credit cards to feed your airline miles addiction.
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 01, 2011, 06:50:22 PM
Tell them you actually have a very long credit history but were forced to change your name and Social Security number in order to apply for new credit cards to feed your airline miles addiction.
firstly, from what i understand, it's not possible to get a new social, and secondly would they just believe that and not ask me what my old social is to look it up?
Title: Re: Chase Reconsideration
Post by: BAHayman on August 01, 2011, 07:05:47 PM
What could you possibly answer recon when they say denied because of too short credit history?

Do you have other cards?
Title: Re: Chase Reconsideration
Post by: bem684 on August 01, 2011, 08:24:44 PM
firstly, from what i understand, it's not possible to get a new social, and secondly would they just believe that and not ask me what my old social is to look it up?

sarcasm my friend, sarcasm.  if you did what I said, they'd laugh and hang up on you.  and probably never give you credit again
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 01, 2011, 08:45:45 PM
Do you have other cards?
yes?
Title: Re: Re: Chase Reconsideration
Post by: BAHayman on August 01, 2011, 09:04:40 PM
yes?

Ah, well I have had luck getting them to reconsider people when they had no previous cards by getting a nice rep to understand that you have to start building history somehow...
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 01, 2011, 09:11:23 PM
BTW i'm asking this question after this already happened to me, I applied for 3 chase cards using 3BM and got denied them all, when i called up they saw all 3 at the same time, 1 was denied for too little history and the other 2 for multiple credit apps. I told them to forget about the second 2 and just reconsider the first (sapphire preferred) and he still denied, called back straight away, denied again, the 3rd time i spoke to a supervisor and they told me the history is the problem (only since nov 09) so i didn't have any real arguments but i just argued that its perfect history even though its short, eventually i got it.
my question is, is there anything more useful or practical to say?

also since it denied them for different reasons does that mean to say they pulled more than one credit report?
Title: Re: Chase Reconsideration
Post by: AsherO on August 01, 2011, 11:00:45 PM
BTW i'm asking this question after this already happened to me, I applied for 3 chase cards using 3BM and got denied them all, when i called up they saw all 3 at the same time, 1 was denied for too little history and the other 2 for multiple credit apps. I told them to forget about the second 2 and just reconsider the first (sapphire preferred) and he still denied, called back straight away, denied again, the 3rd time i spoke to a supervisor and they told me the history is the problem (only since nov 09) so i didn't have any real arguments but i just argued that its perfect history even though its short, eventually i got it.
my question is, is there anything more useful or practical to say?

also since it denied them for different reasons does that mean to say they pulled more than one credit report?

IDK if 3BM is 'designed' for credit n00bs, as multiple apps can potentially be an additional risk factor, which won't look good at all for someone with little (or no) credit history.
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 02, 2011, 01:56:50 AM
IDK if 3BM is 'designed' for credit n00bs, as multiple apps can potentially be an additional risk factor, which won't look good at all for someone with little (or no) credit history.

does 3bm count as multiple apps?
i thought the whole purpose of 3bm is one that the bureau's think it's one app!?
Title: Re: Chase Reconsideration
Post by: AsherO on August 02, 2011, 02:03:57 AM
If they notice. YMMV.
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 02, 2011, 02:09:29 AM
is there any point in asking them? or just check your credit report?
Title: Re: Chase Reconsideration
Post by: U-no-me! on August 02, 2011, 02:10:57 AM
is there any point in asking them? or just check your credit report?
Title: Re: Chase Reconsideration
Post by: lybbtthl on August 02, 2011, 02:17:36 AM
why? they don't know? or they don't tell you?
Title: Re: Chase Reconsideration
Post by: ashers on August 02, 2011, 02:31:13 AM
Here's a new one I never knew, I put my husband on as a AU on the United Mileage Plus  and he couldn't get approved for a card himself. When I called and asked why he wasnt approved they said it was because he is an AU on my card
Title: Re: Chase Reconsideration
Post by: BAHayman on August 03, 2011, 01:09:27 AM
Here's a new one I never knew, I put my husband on as a AU on the United Mileage Plus  and he couldn't get approved for a card himself. When I called and asked why he wasnt approved they said it was because he is an AU on my card


How did they know that he is an AU on your card? AFAIK Chase dosen't associate a SSN with an AU, only with a Joint Owner...
Title: Re: Chase Reconsideration
Post by: yid on August 03, 2011, 01:29:03 AM
Here's a new one I never knew, I put my husband on as a AU on the United Mileage Plus  and he couldn't get approved for a card himself. When I called and asked why he wasnt approved they said it was because he is an AU on my card

I am an au on a continental card and i got approved for my own card as well.
Title: Re: Chase Reconsideration
Post by: ashers on August 04, 2011, 03:33:44 AM
No Idea but thats what they said when he asked how come he didnt get approved.
I then took him off my account as an AU and he got approved!
Title: Re: Chase Reconsideration
Post by: compddd on August 08, 2011, 11:23:22 AM
I frozen my EXP and EQ so Chase would pull TU and I did a 2BM. Both cards got pending and I called recon and they said I needed to wait until they pulled my TU.

I got a notification this morning on Citi Monitor saying that one new inquiry showed up on my TU yesterday. Does that mean that the 2BM worked and I only got 1 pull? Both apps still say "being reviewed" when I call the application status number.

Do I just wait now until I get a decision and it stops saying "being reviewed" ?
Title: Re: Chase Reconsideration
Post by: bem684 on August 08, 2011, 03:07:23 PM

Do I just wait now until I get a decision and it stops saying "being reviewed" ?

I got my rejection letter from Chase two weeks ago.  I called the application status hotline about 4 days after I got the letter,  just out of curiosity.  It still said my app was "being reviewed".  My advice is to call recon.
Title: Re: Chase Reconsideration
Post by: Yosel on August 08, 2011, 05:10:41 PM
Question wil the recon dept. help me close my British airways card and transfer the credit line to my sapphire card?
Title: Re: Chase Reconsideration
Post by: Dan on August 08, 2011, 05:15:47 PM
Yes.
Title: Re: Chase Reconsideration
Post by: Mocha on August 09, 2011, 11:07:41 AM
I applied for the Chase Sapphire Preferred Card and Hyatt at the same time and got denied for both because of too many recent credit requests. Got the Hyatt reconsidered and approved but when I called back for the Sapphire they said it went to archives (called a month after denial) so I have to reapply and call back when I get denied. Now I want to apple fort the AmEx Starwood 30k bonus and the Sapphire. How should I do this? Should I freeze Experian?
Title: Re: Chase Reconsideration
Post by: AJK on August 09, 2011, 11:15:57 AM
Should I freeze Experian?

That ain't gonna work. AFAIK, AMEX cannot be compelled to check TU or Equifax.
Title: Re: Chase Reconsideration
Post by: Mocha on August 09, 2011, 11:16:59 AM
Then maybe at least for the Sapphire?
Title: Re: Chase Reconsideration
Post by: Yellow on August 10, 2011, 11:57:01 PM
Last week I applied for the southwest, united (which i have had before once), and sapphire cards in multiple browsers and got only one pull (yayy!!). When i did it i knew i most probably would not get approved but i was really in the mood of trying. Low and behold today i got rejected for the united and southwest cards. I called and reached a jerk names shawn (sean?) and he told me there was nothing that he could do since i opened a CO and BA card with them in may. I called back a few moments later and reached "ashley" who was more than happy to move some credit over from my freedom card and open up the southwest card for me. Two minutes later i called again and got the united approved also!!!
Moral of the story: don't give up or be discouraged after the first try

p.s. I didnt hear from them about my sapphire card yet, but if i get rejected i'm not sure if it would be a good idea to call them again because they might see the other two cards that just got approved and get mad. What do you guys think?
Title: Re: Chase Reconsideration
Post by: AsherO on August 11, 2011, 01:23:01 AM
p.s. I didnt hear from them about my sapphire card yet, but if i get rejected i'm not sure if it would be a good idea to call them again because they might see the other two cards that just got approved and get mad. What do you guys think?

I think you should've tried to get the Sapphire approved first (assuming you're referring to the Sapphire preferred). If not, spend $1 on the SouthWest card and get it pushed through, then in 25 days or so (after your Sapphire bonus hopefully posts), try to get it closed and the CL line transferred to your Sapphire.
Title: Re: Chase Reconsideration
Post by: momo on August 11, 2011, 11:41:01 AM
Data point did the 3 browser method with chase hyatt sapphire and freedom go declined all 3 due to just opening a card? anyways calles them up and they transferred 5000 from a dif card and approved for the sapphire. was told that they cannot help with the other ones. received the sapphire card then called and tried to get the other 2 approved got put on hold and then the rep came back on and started asking all kinds of ? about why i wanted the cards, and why i had closed the ba card in less then a year from when i opened it, and if i planned on keeping these new cards open or if i planned on closing them!? i assured her that of course i want to keep these cards open forever because chase is the best ;). She then placed me on hold again and 5 minutes later Viola! approved for 2 more cards! so if at 1st you dont succeed .... :)
Title: Re: Chase Reconsideration
Post by: ashers on August 14, 2011, 04:05:21 PM
Got a horrible CSR wanted to get the United and Sapphire reconsider
CSR: Why in the world do you need 3 Chase Credit cards????
ME: I hope this conversation is being recorded to insure quality service...
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 01, 2011, 01:11:42 PM
I have an eight thousand dollar credit line (1500 BA, 1500 freedom, 5000 Sapphire,)  and have two cards which I did not pull through yet, (Continental and Hyatt). What to ask from recon?

1. Take some of the sapphire line? (will they agree to that?)
2. Take some of the Freedom and BA (or all, as I don't need them) and add a little to my credit line?


Thanks!!

Title: Re: Chase Reconsideration
Post by: Nitantnel on September 01, 2011, 03:29:34 PM
Got a horrible CSR wanted to get the United and Sapphire reconsider
CSR: Why in the world do you need 3 Chase Credit cards????
ME: I hope this conversation is being recorded to insure quality service...

Well said!!
Title: Re: Chase Reconsideration
Post by: moko on September 04, 2011, 07:24:28 PM
A friend got approved for UA CO BA & SWA personal then applied for the SWA business for another 50000 missed the 30 recon was told by numerous dept he'd have to apply again is there anyway to salvage the 50000 bonus offer? 9all chase reps say no, so far)
Any ideas?
Title: Re: Chase Reconsideration
Post by: ez1985 on September 04, 2011, 08:55:01 PM
Just applied for CO UA AND HYATT.  If i need to call reconsideration, should I ask about all three at once or call three differnt times?
Title: Re: Chase Reconsideration
Post by: elikay on September 04, 2011, 09:00:12 PM
Anyone know their hours of operation?
Title: Re: Chase Reconsideration
Post by: ez1985 on September 04, 2011, 10:23:47 PM
Anyone know their hours of operation?
They are open.  I just called. 
Title: Re: Chase Reconsideration
Post by: elikay on September 05, 2011, 01:09:40 AM
They are open.  I just called. 
That wasn't the question, but I guess it can't hurt to just try calling.
Title: Re: Chase Reconsideration
Post by: zale on September 05, 2011, 01:08:32 PM
I did a double app for CO and MP cards for my wife. She already had the Sapphire card.

I got declined for both.

I called two weeks ago, and managed to get them to approve the CO. But they refused to approve the MP card. The first time it was because "it is too similar to the CO card" and the second time it was because "too many cards open with Chase and with other companies".

When I did call the second time, the guy very blatantly asked me why I need the MP card. I scrambled to find an excuse and said something like "I like to keep my expenses separate...". It didn't fly.

Anyone have a good solid excuse why I need to have the MP card even though I have the CO card? It would be greatly appreciated.

P.S.

Excuses that I can think of:

Title: Re: Chase Reconsideration
Post by: Dan on September 05, 2011, 01:42:23 PM
world mastercard might have more countries covered then visa sig.
Title: Re: Chase Reconsideration
Post by: zale on September 05, 2011, 02:23:20 PM
world mastercard might have more countries covered then visa sig.

Thanks, but for me its the other way around. I already have the mastercard, now i need an excuse for the visa.
Title: Re: Chase Reconsideration
Post by: Dan on September 05, 2011, 02:30:10 PM
Lots of international stores only take Visa.
Title: Re: Chase Reconsideration
Post by: zale on September 05, 2011, 02:47:46 PM
Lots of international stores only take Visa.

Hmm... I already have the Sapphire Visa. Is there any benefits to the MP Visa over the Sapphire Visa?
Title: Re: Chase Reconsideration
Post by: Yellow on September 05, 2011, 04:09:18 PM
In the past with chase I have just played dumb when they asked why I needed so many cards so quickly. I said "oooooh yah I just need the miles to go in for an old friends wedding who lives in australia... I had no clue that its so bad to open all these cards. whooooops." That worked at least twice and they opened the cards for me
Title: Re: Chase Reconsideration
Post by: Cbs on September 06, 2011, 10:53:32 PM
about a month ago i got denied for the chase freedom card. i called to recon but they said i dint have enough credit history, then i called again now (a month later) and they said even though i had a CC for 8 months (its the first one i did) its still not enough and i pay t all on time etc...they also said if i try reapplying and i get denied then its not good for my credit history.
can anyone advise me, what would be a good second CC to apply for when i only had a CC (Cap one journey) for a little under a year? i looked all over DDF but there are so many cards going on here - idk where to start!
thanx
Title: Re: Chase Reconsideration
Post by: elikay on September 06, 2011, 11:00:03 PM
about a month ago i got denied for the chase freedom card. i called to recon but they said i dint have enough credit history, then i called again now (a month later) and they said even though i had a CC for 8 months (its the first one i did) its still not enough and i pay t all on time etc...they also said if i try reapplying and i get denied then its not good for my credit history.
can anyone advise me, what would be a good second CC to apply for when i only had a CC (Cap one journey) for a little under a year? i looked all over DDF but there are so many cards going on here - idk where to start!
thanx
Whats the other CC you have?
Title: Re: Chase Reconsideration
Post by: Cbs on September 06, 2011, 11:08:59 PM
can anyone advise me, what would be a good second CC to apply for when i only had a CC (Cap one journey) for a little under a year?
Title: Re: Chase Reconsideration
Post by: Dan on September 06, 2011, 11:27:18 PM
Which Chase Recon dept did you call?
Title: Re: Chase Reconsideration
Post by: Cbs on September 06, 2011, 11:33:17 PM
i called this number twice, Chase: 888-270-2127 (Application reconsideration) its from http://www.dansdeals.com/forums/index.php?topic=8028.0

and there is another number on the letter i got: 800-888-4213 (i didnt call it) and it says its Trans Union but it says as well that "the reporting agency did not make the credit decision and is unable to provide you with the specific reason of our decision"
Title: Re: Chase Reconsideration
Post by: Dan on September 06, 2011, 11:35:56 PM
The other numbers aren't posted there for my health...though others seem to think as you do as well ;)
http://www.dansdeals.com/forums/index.php?topic=8028.msg119656#msg119656
http://www.dansdeals.com/archives/16036/comment-page-1#comment-90161
Title: Re: Chase Reconsideration
Post by: Cbs on September 06, 2011, 11:51:03 PM
i see.....but is there another card you suggest me to try? if they keep on saying i should wait a few more months before reapplying.
Title: Re: Chase Reconsideration
Post by: Chaikel on September 07, 2011, 02:35:47 AM
Lots of international stores only take Visa.
In Italy I found almost every place that took CC accepted Amex. In London, almost no one. Even official attractions. I asked one of the attendants "Don't you think it's time establishments in London join the 21st century and start accepting Amex? Why is England still a third world country? It's great here in the 21st century, we have internet and all sorts of cool things"
Title: Re: Chase Reconsideration
Post by: Dan on September 07, 2011, 02:55:26 AM
Family Dollar/Dollar Tree/Deals only take Visa here.  They won't take MC.
(Hint: AMEX does work if you just slide it and don't ask.  MC actually won't work though)
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 09:15:14 PM
In Italy I found almost every place that took CC accepted Amex. In London, almost no one. Even official attractions. I asked one of the attendants "Don't you think it's time establishments in London join the 21st century and start accepting Amex? Why is England still a third world country? It's great here in the 21st century, we have internet and all sorts of cool things"

Not one vendor in DMV will accept amex.
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 09:21:54 PM
After getting a Sapphire and Hyatt approved (Via getting rid of my Freedom and BA, and raising my CL to 11.000 on the way), I reached a wall with my continental App.

Does anyone know if Chase keeps a record of every phone call? After my first continental rejection (where they thanked me only for being on hold...) I called again and was told by the rep: "YOU JUST CALLED T-O-D-A-Y-!!! Yes, she said it in capital.

I tried to explain to her that I have a huge salary, I always pay on time, I am only asking for one more CC than I had earlier as I have another 3000 dollar to my CL, but with no success. I am afraid to call again as they might... I don't know.

Whatta you think???
Title: Re: Chase Reconsideration
Post by: sky121 on September 14, 2011, 09:24:41 PM
Try calling a different department.
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 09:26:16 PM
Which?

And they will not have access to the earlier phone log
Title: Re: Chase Reconsideration
Post by: elikay on September 14, 2011, 09:36:10 PM
After getting a Sapphire and Hyatt approved (Via getting rid of my Freedom and BA, and raising my CL to 11.000 on the way), I reached a wall with my continental App.

Does anyone know if Chase keeps a record of every phone call? After my first continental rejection (where they thanked me only for being on hold...) I called again and was told by the rep: "YOU JUST CALLED T-O-D-A-Y-!!! Yes, she said it in capital.

I tried to explain to her that I have a huge salary, I always pay on time, I am only asking for one more CC than I had earlier as I have another 3000 dollar to my CL, but with no success. I am afraid to call again as they might... I don't know.

Whatta you think???
Personally when they tell me no, I don't push it. I just politely thank them, rinse and repeat.
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 09:41:32 PM
Personally when they tell me no, I don't push it. I just politely thank them, rinse and repeat.
[/b]

 :)
Title: Re: Chase Reconsideration
Post by: elikay on September 14, 2011, 09:55:20 PM
Quote from: Wikipedia
Lather, rinse, repeat is a phrase that is a common part of the instructions on shampoo bottles. It is sometimes also used as a humorous way of saying that a certain set of instructions should be repeated until an explicit or implicit goal is reached
link (http://en.wikipedia.org/wiki/Lather,_rinse,_repeat)
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 09:57:59 PM
I was enjoying not laughing
Title: Re: Chase Reconsideration
Post by: elikay on September 14, 2011, 10:04:38 PM
you lost me there
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 14, 2011, 10:28:57 PM
Not all who wonder are lost  ;)
Title: Re: Chase Reconsideration
Post by: abetobee on September 14, 2011, 10:36:52 PM
i applied for freedom, sp and co, got denied, called chase executive spoke with kurt ext 3991. no luck. they seem to have blacklisted me after closing down credit for e/o at my address in jan 2010. seems we had "too much" available credit. chase seems to have it in for us. we have only one card we carry a balance on, and amex just gave me credit lines. so dont know whats up with chase. anyone know where to go with this. thanx
Title: Re: Chase Reconsideration
Post by: Red on September 15, 2011, 03:56:40 AM
I applied for the sapphire and freedom (2 browsers), I then called a few days later because i didn't take down the app id# and got them without a problem. I then called 888-270-2127 (Application reconsideration) gave them the sapphire id# and was told sorry to many apps at once but your freedom is still pending. I hung up and called 888-245-0625 (Credit Analyst reconsideration) and he said your app was JUST RECONSIDERED, I then asked if i can close one of my old chase cards (I have a CO and United that i opened about 4 months ago) he actually sounded angry and said there is nothing i can do for you, you have too many recent chase cards.
Any ideas what my next step should be. Thanx
Title: Re: Chase Reconsideration
Post by: yakovwogi on September 15, 2011, 08:41:32 AM
the problem with pending is that if you did a 3bm then the first one or 2 you got approved for is one credit check, and the pending one is checked a day later.
i got denied my last one, so iwalked into a chase bank today and sat down with a banker. told him i want 3 cards to diversify my miles and that if he can make a call or two and get me approved, i would open a checking account on the spot.
he called, i got approved, i walked across the street to citi, took some money out, opened a new checking and got a $125 bonus. whole thing took me an 45min and i got 30k CO miles and $125. not a bad day

Good Move..Well done
Title: Re: Chase Reconsideration
Post by: TC610 on September 15, 2011, 05:11:13 PM
After getting a Sapphire and Hyatt approved (Via getting rid of my Freedom and BA, and raising my CL to 11.000 on the way), I reached a wall with my continental App.

Does anyone know if Chase keeps a record of every phone call? After my first continental rejection (where they thanked me only for being on hold...) I called again and was told by the rep: "YOU JUST CALLED T-O-D-A-Y-!!! Yes, she said it in capital.

I tried to explain to her that I have a huge salary, I always pay on time, I am only asking for one more CC than I had earlier as I have another 3000 dollar to my CL, but with no success. I am afraid to call again as they might... I don't know.

Whatta you think???

Yeah I had the same exact problem with my Sapphire Preferred.  I called two different numbers and at the second number (I forget the departments that I called) the guy had the call notes from my previous call.  The guy at the second number was a complete d!ck too and wanted to know why I called 30 minutes after being rejected by the reconsideration department.  I calmly explained that I do a lot of international travelling and wanted the Sapphire Preferred for the CDW.  His response was that I have too much credit with Chase so I asked if we could transfer lines around.  He obliged by moving the line from my UA card to the Sapphire Preferred and closing the UA card.

So if you do call again, I would be sure to mention your company uses CO a lot for business travel and you want the CO card to take advantage of all the benefits that come with the card (free bag, priority boarding, etc).
Title: Re: Chase Reconsideration
Post by: Fan of Dan on September 18, 2011, 08:56:54 PM
Here is the question. I have excellent credit close to 780 but my wife has only fair due to a lack of credit history. I want her to get the chase card for fifty thousand points but I am pretty sure they will decline her. Can I after she applies call the reconsideration dept and become a co signer so that she will get the card and the points?
Title: Re: Chase Reconsideration
Post by: Saver2000 on September 18, 2011, 09:13:27 PM
Here is the question. I have excellent credit close to 780 but my wife has only fair due to a lack of credit history. I want her to get the chase card for fifty thousand points but I am pretty sure they will decline her. Can I after she applies call the reconsideration dept and become a co signer so that she will get the card and the points?

Why don't u try piggybacking.?
Title: Re: Chase Reconsideration
Post by: bubbles on September 18, 2011, 09:17:30 PM
i dont know abt amex but chase doesn not they do not count au accounts at all

sounds like piggybacking doesn't really work for chase
Title: Re: Chase Reconsideration
Post by: Saver2000 on September 18, 2011, 09:19:52 PM
sounds like piggybacking doesn't really work for chase

Okay. So it only works for citi?
Title: Re: Chase Reconsideration
Post by: yaakov s on September 18, 2011, 09:20:55 PM
Okay. So it only works for citi?
I believe so
Title: Re: Chase Reconsideration
Post by: Fan of Dan on September 18, 2011, 10:19:52 PM
What's piggybacking? And either way with chase can I guarantee my wife for a card if she gets rejected?
Title: Re: Chase Reconsideration
Post by: YudiG on September 19, 2011, 09:35:05 AM
Just got my Chase CO app reconsidered and approved. As I had gotten the UA card and Marriott Rewards card in Jan. and April, the CSR said that she could only shift credit from the UA card and couldn't touch the Marriott credit line...

Anyhow, I got the new CO card, but is it true that the Marriott card credit line I got in April can't be moved around and hence I should hold off a little before applying for a targeted SW 50K offer?

Thanks!
Title: Re: Chase Reconsideration
Post by: elikay on September 19, 2011, 12:20:05 PM
Not true unless it requires 5k and that's all it has. I just moved credit within 30 days of opening.
Title: Re: Chase Reconsideration
Post by: smurf on September 19, 2011, 12:38:26 PM
@elikay
People have reported being able to move credit away from a card which requires 5k. Apparently once the card is opened with the 5k it can later be moved.
Title: Re: Chase Reconsideration
Post by: YudiG on September 19, 2011, 12:40:01 PM
Not true unless it requires 5k and that's all it has. I just moved credit within 30 days of opening.

the card opened in april has a $17,500 line - will that suffice and enable me to go for a chase SW 50K? How long should I hold off before applying?

the new card that was approved was set up with $12,500 and the old one was left with $5k
Title: Re: Chase Reconsideration
Post by: AJK on September 19, 2011, 12:46:13 PM
If I read correctly, you were approved from Chase cards in Jan (UA), Apr (Marriott) and Sep (CO).

I don't see any reason why you wouldn't be able to apply for the SW now and have them take from the Marriott CL (although they may make you completely close a card to get the SW pushed through - ymmv).

Title: Re: Chase Reconsideration
Post by: YudiG on September 19, 2011, 01:08:42 PM
If I read correctly, you were approved from Chase cards in Jan (UA), Apr (Marriott) and Sep (CO).

I don't see any reason why you wouldn't be able to apply for the SW now and have them take from the Marriott CL (although they may make you completely close a card to get the SW pushed through - ymmv).

You're correct. So that being said, I'm willing to sacrifice my old UA which has no benefits for SW 50K, but is there a point in applying for the Hyatt card and/or the premium Marriott card while I'm at it, or is it a waste? Should I wait at all?
Title: Re: Chase Reconsideration
Post by: AJK on September 19, 2011, 02:23:44 PM
You're correct. So that being said, I'm willing to sacrifice my old UA which has no benefits for SW 50K, but is there a point in applying for the Hyatt card and/or the premium Marriott card while I'm at it, or is it a waste? Should I wait at all?

Assuming you do a 3bm, the only possible downside is an additional inquiry, though I (along with countless others) have had success with a 3bm to limiting to just one inquiry.

Should I wait at all?

The only advantage I see to waiting is to avoiding one more possible gripe against you by a chase recon rep: 6 month "rule."

If you wait until October to apply, your Apr (and obv Jan) cards will be outside this 6 month window and may make it easier to get another card pushed through at the same time.
Title: Re: Chase Reconsideration
Post by: YudiG on September 19, 2011, 03:43:08 PM
And even when getting reconsidered from Chase, how many out of the three will they generally put through?
Title: Re: Chase Reconsideration
Post by: elikay on September 19, 2011, 04:59:03 PM
@smurf
YMMV but IME more than once, they would not allow it. I got the impression that that is the official rule. Often, they can still circumvent the rules.
Title: Re: Chase Reconsideration
Post by: YudiG on September 20, 2011, 08:42:58 AM
Well...for those who were wondering about calling in to get their wives app reconsidered...he figured the name was that of a man and made no issue.

I guess as long as they don't check the gender, you'll be fine. Try and sound aidel and it should work.
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 20, 2011, 09:01:04 AM
With today's mishgyim changing gender they are very sensitive... I called practically every issuer for my wife--who has a real woman's name--and never had a problem.
Title: Re: Chase Reconsideration
Post by: AJK on September 20, 2011, 11:52:41 AM
Well...for those who were wondering about calling in to get their wives app reconsidered...he figured the name was that of a man and made no issue.

I guess as long as they don't check the gender, you'll be fine. Try and sound aidel and it should work.

With today's mishgyim changing gender they are very sensitive... I called practically every issuer for my wife--who has a real woman's name--and never had a problem.

Never had a problem before yesterday. Tried calling Airtran Visa for my mother, and this is how it went:

Visa: Are you the main account holder?
Me: Yes, I am.
Visa: I need to speak with [Main Account Holder]
Me: You are, I am [Main Account Holder]
Visa: Please hold on for a second.
[60 second hold]
Visa: Sir, we have confirmed the gender of the account is female.
Me: Yes, I know, I AM female.
Visa: Sir, we're going to need to speak with the main account holder.
Me: Ma'am, first, I'm very insulted at your insinuation. First, I've had some surgery and it has altered my voice, and second, I'd appreciate if you'd stop calling me "sir."
Visa: <click>

Shocked they actually just hung up.
Title: Re: Chase Reconsideration
Post by: YudiG on September 20, 2011, 02:00:18 PM
Got a call from a number 480-902-6000 after a successful reconsideration that said chase...they were looking for the cardholder - any cause for concern?
Title: Re: Chase Reconsideration
Post by: smurf on September 20, 2011, 02:29:01 PM
Got a call from a number 480-902-6000 after a successful reconsideration that said chase...they were looking for the cardholder - any cause for concern?
probably just calling to verify information
But in general I find it wise to never give information to someone calling you I just ask for a reference number then call the bank myself.
Title: Re: Chase Reconsideration
Post by: compddd on September 20, 2011, 03:47:23 PM
Well you were lieing to them lol

Never had a problem before yesterday. Tried calling Airtran Visa for my mother, and this is how it went:

Visa: Are you the main account holder?
Me: Yes, I am.
Visa: I need to speak with [Main Account Holder]
Me: You are, I am [Main Account Holder]
Visa: Please hold on for a second.
[60 second hold]
Visa: Sir, we have confirmed the gender of the account is female.
Me: Yes, I know, I AM female.
Visa: Sir, we're going to need to speak with the main account holder.
Me: Ma'am, first, I'm very insulted at your insinuation. First, I've had some surgery and it has altered my voice, and second, I'd appreciate if you'd stop calling me "sir."
Visa: <click>

Shocked they actually just hung up.
Title: Re: Chase Reconsideration
Post by: AJK on September 20, 2011, 04:43:02 PM
Well you were lieing to them lol

I was "fibbing" to see if it'd work. But, in any case, I'm shocked they just hung up. There's no way they could prove I wasn't who I said I was... I had all the verifying info.
Title: Re: Chase Reconsideration
Post by: Nitantnel on September 20, 2011, 04:51:42 PM
Could be they checked up a previous recording although I doubt it
Title: Re: Chase Reconsideration
Post by: AJK on September 20, 2011, 04:56:41 PM
Could be they checked up a previous recording although I doubt it

Pleaaaase. And:

Visa: Are you the main account holder?
Me: Yes, I am.
Visa: I need to speak with [Main Account Holder]
Me: You are, I am [Main Account Holder]
Visa: Please hold on for a second.
[60 second hold]
Visa: Sir, we have confirmed the gender of the account is female.
Me: Yes, I know, I AM female.
Visa: Sir, we're going to need to speak with the main account holder.
Me: Ma'am, first, I'm very insulted at your insinuation. First, I've had some surgery and it has altered my voice, and second, I'd appreciate if you'd stop calling me "sir."
Visa: <click>
Title: Re: Chase Reconsideration
Post by: Fan of Dan on September 21, 2011, 07:35:28 PM
Pleaaaase. And:
I know a fifty year old lady who smokes heavy and companies always think she's male until she corrects them so I guess you can always say you smoke!! Or you have bronchitis!
Title: Re: Chase Reconsideration
Post by: Fan of Dan on September 21, 2011, 07:36:35 PM
Need way for wife to get approved for chase card limited history. Is there a concept of co applicants like on a mortgage?
Title: Re: Chase Reconsideration
Post by: tripper on September 21, 2011, 09:44:55 PM
Does anyone know if chase would shift credit lines from a personal card to a business card, i.e. Continental to Ink Bold?
Title: Re: Chase Reconsideration
Post by: moko on September 21, 2011, 10:28:54 PM
yes, ive done it back and forth
Title: Re: Chase Reconsideration
Post by: shnu on September 21, 2011, 10:43:33 PM
chase keeps denying me they said to many inquiries. Any way around that?
Title: Re: Chase Reconsideration
Post by: sky121 on September 21, 2011, 11:01:22 PM
Call the various numbers Dan has posted to get reconsidered.
Title: Re: Chase Reconsideration
Post by: AJK on September 21, 2011, 11:04:18 PM
chase keeps denying me they said to many inquiries. Any way around that?

A) Recon lines MAY help, or
B) Wait for inquiries to fall off, or
C) Force them to look at another bureau's credit report. (Not sure if this requires a reapplication+freezing the offending credit report though)
Title: Re: Chase Reconsideration
Post by: tripper on September 22, 2011, 09:08:06 AM
@shnu,
thanks
Title: Re: Chase Reconsideration
Post by: YudiG on September 27, 2011, 12:27:39 PM
called in last week to get my wife's app approved...they thought i was her and it got approved..now they sent a letter from fraud department wanting to confirm in fact that it was her and that all is in order before the complete the app.

must we call the number in the letter or will an SM w/ the reference number do the job?
Title: Re: Chase Reconsideration
Post by: sky121 on September 27, 2011, 12:56:49 PM
called in last week to get my wife's app approved...they thought i was her and it got approved..now they sent a letter from fraud department wanting to confirm in fact that it was her and that all is in order before the complete the app.

must we call the number in the letter or will an SM w/ the reference number do the job?
I think you have to call.
Title: Re: Chase Reconsideration
Post by: YudiG on September 27, 2011, 01:04:20 PM
Yea, we did...it was only a few short typical q's such as phone #, name of other cc's w/ other banks...not even SS or address! Bh, all is well that ends well!
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 02, 2011, 05:08:47 PM
I just did a 3bm and got "you will get a response in 10 days" on all 3 of them.
I applied for sapphire, freedom and ink bold. I already have CO and BA. Any ideas wat I should them when they ask me why I need these cards?
I can't seem to find additional benefits over the ones I already have. (For the bold, I'm going to tell them that I need it to keep business expenses separate )
Thanx
Title: Re: Chase Reconsideration
Post by: AJK on October 02, 2011, 05:13:01 PM
I just did a 3bm and got "you will get a response in 10 days" on all 3 of them.
I applied for sapphire, freedom and ink bold. I already have CO and BA. Any ideas wat I should them when they ask me why I need these cards?
I can't seem to find additional benefits over the ones I already have. (For the bold, I'm going to tell them that I need it to keep business expenses separate )
Thanx

Not sure about CO or BA, but Sapphire has no forex fees.

For freedom, tell them you like the 5% rotating categories.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 02, 2011, 05:15:33 PM
Not sure about CO or BA, but Sapphire has no forex fees.

For freedom, tell them you like the 5% rotating categories.

BA doesn't either have forex fee.
Isn't not a good idea  to tell them that the reason u applied for a card is bec of the rewards?
Title: Re: Chase Reconsideration
Post by: AJK on October 02, 2011, 05:43:12 PM
Isn't not a good idea  to tell them that the reason u applied for a card is bec of the rewards?

Says who? I have said, on a number of occasions, that I am switching to X card because I do most of my business with X airline and I want the mileage.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 02, 2011, 05:48:14 PM
I just did a 3bm and got "you will get a response in 10 days" on all 3 of them.
I applied for sapphire, freedom and ink bold. I already have CO and BA. Any ideas wat I should them when they ask me why I need these cards?
I can't seem to find additional benefits over the ones I already have. (For the bold, I'm going to tell them that I need it to keep business expenses separate )
Thanx

Update: I just called about the sapphire.  She put me on hold for 3 min then came back and said I'm approved with a $5000 cl. I didn't have to move any cl's around and I wasn't asked any questions.  Thank g-d.
Title: Re: Chase Reconsideration
Post by: Red on October 03, 2011, 03:38:58 AM
Isn't not a good idea  to tell them that the reason u applied for a card is bec of the rewards?
From what I understand telling them you like the rewards isn't a problem, they offer them for that reason so that you should use their card. What they don't want is for you to sign up get the signup bonus and never use the card again, so telling them you like the signup bonus might be what you are referring to.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 04, 2011, 12:12:58 PM
Update: I was able to move credit from a personal  card to a business card.
Btw I got two pulls - one pull for 2 consumer  cards and one pull for the business card.  :(
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 04, 2011, 01:22:00 PM
Update: I was able to move credit from a personal  card to a business card.
Btw I got two pulls - one pull for 2 consumer  cards and one pull for the business card.  :(

And that's with the 3BM is suppose, did you freeze any of your reports? did they both go on the same report?
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 04, 2011, 01:28:28 PM
And that's with the 3BM is suppose, did you freeze any of your reports? did they both go on the same report?

Yes I did 3BM.  I froze TU. both were on experian.
(I live in nj)
Title: Re: Chase Reconsideration
Post by: AJK on October 04, 2011, 01:30:28 PM
Yes I did 3BM.  I froze TU. both were on experian.
(I live in nj)

Why would you freeze TU in NJ??
Title: Re: Chase Reconsideration
Post by: bubbles on October 04, 2011, 01:41:34 PM
Why would you freeze TU in NJ??

Was about to ask the same thing. I see in the wiki (http://dansdeals.com/wiki/Where_Did_Your_Inquiries_Pull_From) it says it pulls from TU but IME it's experian like everything else.
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 04, 2011, 01:42:51 PM
Had anyone have experience with only one pull for business and consumer?
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 04, 2011, 01:44:42 PM
Why would you freeze TU in NJ??

I did a 2BM 6 months ago with chase and they pulled one from TU and one from EX. I think the reason that they pulled twice was bec they couldn't verify the info on my EX (bec I had multiple addresses listed) so they then pulled TU.
At that time when I called for recon about 30 days after app it was much better off for me if they pulled new report, so they pulled TU.
In summary :  I didn't want them to see 2 recent chase pulls that were on my TU
Title: Re: Chase Reconsideration
Post by: smurf on October 04, 2011, 01:58:51 PM
Update: I was able to move credit from a personal  card to a business card.
Btw I got two pulls - one pull for 2 consumer  cards and one pull for the business card.  :(
were the pulls from the exact same bank name? it could be that the names are slightly different(i.e one from chase bank and one from j.p.morgan chase..) for consumer and business in which case it would be impossible to get only one pull
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 04, 2011, 02:10:52 PM
were the pulls from the exact same bank name? it could be that the names are slightly different(i.e one from chase bank and one from j.p.morgan chase..) for consumer and business in which case it would be impossible to get only one pull

I didn't see the report yet but I did speak to a rep yesterday at EX and when I suggested to her that maybe the "double pull" is an error, she said  that it was done by 2 separate depts. and therefore was for two separate applications.
Title: Re: Chase Reconsideration
Post by: AsherO on October 04, 2011, 02:17:50 PM
I did a 2BM 6 months ago with chase and they pulled one from TU and one from EX. I think the reason that they pulled twice was bec they couldn't verify the info on my EX (bec I had multiple addresses listed) so they then pulled TU.
At that time when I called for recon about 30 days after app it was much better off for me if they pulled new report, so they pulled TU.
In summary :  I didn't want them to see 2 recent chase pulls that were on my TU

Had you frozen two bureaus it's likely you'd get one pull for both cards. That's what I'd recommend for others freezing reports to get Chase to pull a certain bureau.
Title: Re: Chase Reconsideration
Post by: AJK on October 04, 2011, 02:25:36 PM
Had you frozen two bureaus it's likely you'd get one pull for both cards. That's what I'd recommend for others freezing reports to get Chase to pull a certain bureau.

That's what I did. Froze both E's. Pulled TU.
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:28:53 PM
My brother Got 3 rejections despite his 15,000 dollar credit line with chase because of this mess-up: he just spent 16,000 dollars on a crad that only has a 8,000 dollar CL.

The rep. wouldn't budge based on that last fact. I called amex and raised that CL to 23,000 dollars, and hopefully most of that debt will be paid off by the end of the month. Any suggestion on pulling any of there cards through? Thanks.
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:32:45 PM
My brother Got 3 rejections despite his 15,000 dollar credit line with chase because of this mess-up: he just spent 16,000 dollars on a crad that only has a 8,000 dollar CL.

The rep. wouldn't budge based on that last fact. I called amex and raised that CL to 23,000 dollars, and hopefully most of that debt will be paid off by the end of the month. Any suggestion on pulling any of there cards through? Thanks.

You can never speak in blanket terms, but I have read instances like this, and for some reason (at least with Chase) they seem not to budge.

I personally know someone who had a CL of X and spent 90% of X, then applied for a Chase card. Even though the balance was going to be paid off in full before the next month, the fact that the util % was so high, it was a categorical denial.
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 02:34:09 PM
My brother Got 3 rejections despite his 15,000 dollar credit line with chase because of this mess-up: he just spent 16,000 dollars on a crad that only has a 8,000 dollar CL.

The rep. wouldn't budge based on that last fact. I called amex and raised that CL to 23,000 dollars, and hopefully most of that debt will be paid off by the end of the month. Any suggestion on pulling any of there cards through? Thanks.

High utilization is a serious red flag when applying for new cards, that's why it always makes sense to put big purchases on business cards, so their balance isn't reported.

Your best bet is to pay the balance on the Amex and once Amex reports it again you have Chase pull another report.
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:35:11 PM
getting them to approve it
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:38:02 PM
High utilization is a serious red flag when applying for new cards, that's why it always makes sense to put big purchases on business cards, so their balance isn't reported.

...unless its the first cycle with a NPSL card, in which case you'd probably want to put as many charges on there as possible (big and small). (Granted, you wouldn't do that and do an app-o-rama in the same month.)

Your best bet is to pay the balance on the Amex and once Amex reports it again you have Chase pull another report.

+1 -- that's what I meant by Chase not "budging" [without a paydown + new pull].
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:39:21 PM
OK, but the fact that he once had high utilization won't be a strong factor?
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:40:34 PM
OK, but the fact that he once had high utilization won't be a strong factor?

"Once?" The util % resets every month. A paydown + a new pull should do the trick (unless, of course, there is something negative factor as well).
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 02:42:37 PM
"Once?" The util % resets every month. A paydown + a new pull should do the trick (unless, of course, there is something negative factor as well).

+1

They can't see historical utilization on a CC, which means they can't actually tell from the report if it's a new balance or if it's an old one that's been carried for a while with only the minimums paid.
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:45:15 PM
"Once?" The util % resets every month. A paydown + a new pull should do the trick (unless, of course, there is something negative factor as well).

Are you saying that they don't see that x amount of moths there was 200% utilization once I clean it off? Also, doesn't if affect the Credit score?
Title: Re: Chase Reconsideration
Post by: bubbles on October 05, 2011, 02:45:59 PM
+1

They can't see historical utilization on a CC, which means they can't actually tell from the report if it's a new balance or if it's an old one that's been carried for a while with only the minimums paid.

Would it make a difference if the high utilization is on a card from the same bank that you're applying to?
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:47:35 PM
Would it make a difference if the high utilization is on a card from the same bank that you're applying to?

No, this high utl card was from amex.
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:48:40 PM
Would it make a difference if the high utilization is on a card from the same bank that you're applying to?

No, AFIAK.
Title: Re: Chase Reconsideration
Post by: bubbles on October 05, 2011, 02:49:22 PM
No, this high utl card was from amex.

I wasn't referring to your case in specific.
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 02:49:26 PM
Are you saying that they don't see that x amount of moths there was 200% utilization once I clean it off? Also, doesn't if affect the Credit score?

That's what I'm saying, AFAIK, that's how it is. Score would adjust for each report based on current info on the report.

Would it make a difference if the high utilization is on a card from the same bank that you're applying to?

Logic dictates that that would be depend on each bank's (internal) policies, which I don't know anything about. The only thing is, that if it's the same bank then they also see your history (but that's not necessarily a good thing).
Title: Re: Chase Reconsideration
Post by: bubbles on October 05, 2011, 02:50:50 PM
No, AFIAK.

Even if it gets paid off every month and they can see that you're not carrying a balance?
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 02:51:26 PM
"Once?" The util % resets every month. A paydown + a new pull should do the trick (unless, of course, there is something negative factor as well).

Should i wait a month to apply, or 6 moths?
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:53:29 PM
The only thing is, that if it's the same bank then they also see your history (but that's not necessarily a good thing).

They could, (and probably should), but for some reason, when Chase (for example) pulls a credit report, I do not think they look at your historical util %. Just a gut feeling from being on the phone with them many times.

Should i wait a month to apply, or 6 moths?

Long enough so that the new (and presumably lower) util % gets reported to the CBs. That would depend, obviously, on your unique statement date, etc.
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 02:55:09 PM
Even if it gets paid off every month and they can see that you're not carrying a balance?

Theoretically, you could point them to look at the historical util % as an argument - and it's a compelling one to make, IMHO.

But generally speaking, as I mentioned above, my gut is that they do not by default look at historical util %.
Title: Re: Chase Reconsideration
Post by: bubbles on October 05, 2011, 02:56:03 PM
Should i wait a month to apply, or 6 moths?

I had a card almost maxed out that I paid off and I just waited for the lower amount to show up on creditkarma and I had no problems getting instantly approved
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 02:58:53 PM
They could, (and probably should), but for some reason, when Chase (for example) pulls a credit report, I do not think they look at your historical util %. Just a gut feeling from being on the phone with them many times.

You're right, the point I was making is that with the same bank they can also see you history if they elect to do so.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 05, 2011, 07:18:09 PM
+1

They can't see historical utilization on a CC, which means they can't actually tell from the report if it's a new balance or if it's an old one that's been carried for a while with only the minimums paid.

Incorrect. The credit report shows the statement balance history and it also shows the payment history.
They can easily tell if the balance was carried or if it was paid in full -- it will show on the cr that last month your balance was $1000 and your payment was only $40.
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 07:25:02 PM
Incorrect. The credit report shows the statement balance history and it also shows the payment history.

Are you saying that the banks see more than I see when I request my report from the bureau? IIRC on the bureaus report it didn't have any of that.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 05, 2011, 07:32:16 PM
Are you saying that the banks see more than I see when I request my report from the bureau? IIRC on the bureaus report it didn't have any of that.

My experian report shows all that info. My TU doesn't
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 07:34:09 PM
My brother Got 3 rejections despite his 15,000 dollar credit line with chase because of this mess-up: he just spent 16,000 dollars on a crad that only has a 8,000 dollar CL.

The rep. wouldn't budge based on that last fact. I called amex and raised that CL to 23,000 dollars, and hopefully most of that debt will be paid off by the end of the month. Any suggestion on pulling any of there cards through? Thanks.

I just want to note that the Recon guy really really grilled me, although we was over all nice about it, here are some of the things he asked:
-Why do you want the card?
-What's the name of your business?
-What exactly does your business do?
-Where do you make the rest of your money from?
-How will you pay off the 16,000 dollar Amex bill? (what kind of account, and who's.)
-How long have you been making the amount of money you reported?
-What did your business make last year, 2010?
-What did your business make last year, 2009?
-Do you have a tax return?
-How did you accumulate the 16,000 dollar debt?

in any event,and after all the replies here, I still have this question: Can I max out my utilization for 10 years, use just one percent for one month, and eliminate all the negative effect or not?
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 07:34:40 PM
My experian report shows all that info. My TU doesn't

Hmmm, maybe only one (two?) of the bureaus report this way?

Either way, I doubt the CC issuers even look at that info, if they even see it on their screen. The CC companies probably get the raw data (xml?) from the bureaus, and lay it out in their system however they wish.
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 07:36:39 PM
I just want to note that the Recon guy really really grilled me, although we was over all nice about it, here are some of the things he asked:
-Why do you want the card?
-What's the name of your business?
-What exactly does your business do?
-Where do you make the rest of your money from?
-How will you pay off the 16,000 dollar Amex bill? (what kind of account, and who's.)
-How long have you been making the amount of money you reported?
-What did your business make last year, 2010?
-What did your business make last year, 2009?
-Do you have a tax return?
-How did you accumulate the 16,000 dollar debt?

in any event,and after all the replies here, I still have this question: Can I max out my utilization for 10 years, use just one percent for one month, and eliminate all the negative effect or not?

You call that grilling? Sounds like the usual drill to me, especially for business apps.

He didn't ask what you plan on using the card for? What kind of purchases and how much per month?
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 07:45:04 PM


He didn't ask what you plan on using the card for? What kind of purchases and how much per month?

nope.
Title: Re: Chase Reconsideration
Post by: Saver2000 on October 05, 2011, 07:50:21 PM
Hmmm, maybe only one (two?) of the bureaus report this way?

Either way, I doubt the CC issuers even look at that info, if they even see it on their screen. The CC companies probably get the raw data (xml?) from the bureaus, and lay it out in their system however they wish.

A few months ago, right before I applied for a chase card, I paid down 3 cards with high balances. When I called recon the rep asked me how I was able to pay down all those balances all at one shot - he wanted to know where I came up with the money from.

Ill try to take a pic and post it.
Title: Re: Chase Reconsideration
Post by: bubbles on October 05, 2011, 07:58:51 PM
You call that grilling? Sounds like the usual drill to me, especially for business apps.


So then how does everyone apply for business cards even if they don't have a business? How do they answer all those questions?
Title: Re: Chase Reconsideration
Post by: AsherO on October 05, 2011, 08:10:01 PM
So then how does everyone apply for business cards even if they don't have a business? How do they answer all those questions?

Make it up? :P
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 05, 2011, 08:23:50 PM
Make it up? :P

I would simply say: make it up.

(Without question marks and smileys.) 
Title: Re: Chase Reconsideration
Post by: AJK on October 05, 2011, 11:54:05 PM
A few months ago, right before I applied for a chase card, I paid down 3 cards with high balances. When I called recon the rep asked me how I was able to pay down all those balances all at one shot - he wanted to know where I came up with the money from.

Ill try to take a pic and post it.

That's truly surprising. And the three cards weren't Chase cards? And, how long before applying did you pay down the balances? Days? Weeks?
Title: Re: Chase Reconsideration
Post by: moko on October 06, 2011, 11:54:13 AM
I tried a new answer for "why do u want the card" (eg: SWA, UA CO Sapphire)
u ever thought about why u offer all the different cards (travel benefits so on and so forth) and sapphire for general spending?
so far worked like a charm usually  "that makes sense" duh ::) ::) ::)
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 06, 2011, 11:55:32 AM
I tried a new answer for "why do u want the card" (eg: SWA, UA CO Sapphire)
u ever thought about why u offer all the different cards (travel benefits so on and so forth) and sapphire for general spending?
so far worked like a charm usually  "that makes sense" duh ::) ::) ::)

I like, Great point!
Title: Re: Chase Reconsideration
Post by: TC610 on October 06, 2011, 03:33:21 PM
So then how does everyone apply for business cards even if they don't have a business? How do they answer all those questions?

The potential questions have been discussed plenty of times.  You just need to think of the answers ahead of time if you are asked.

For example...My "business" is "TC610's E-Bay Sales".  I don't have any tax returns because I just started my business a few months ago.  I'm in the business of buying and selling sporting event tickets in the Cleveland area.  I need a $3000 limit because I purchase season ticket packages, however for the Cavs & Indians I am billed in 5 equal installments.

And as for why I'm using amazon payments...Well, I buy/sell tickets on Amazon and make business related payments that way.  I have 2 part time employees that I prefer to pay commissions to using Amazon Payments instead of writing checks and then I make a payment to my credit / charge card a few days after the AP charge posts. (explains my ~$1000/mo Amazon Payments habit).

Is any of that true?  Hell no.  But it got me through a F/R phone interview.
Title: Re: Chase Reconsideration
Post by: AJK on October 06, 2011, 03:58:36 PM
And as for why I'm using amazon payments...Well, I buy/sell tickets on Amazon and make business related payments that way.  I have 2 part time employees that I prefer to pay commissions to using Amazon Payments instead of writing checks and then I make a payment to my credit / charge card a few days after the AP charge posts. (explains my ~$1000/mo Amazon Payments habit).

I'm surprised the CSR didn't as why.

Can you explain why?
Title: Re: Chase Reconsideration
Post by: TC610 on October 06, 2011, 04:44:50 PM
I'm surprised the CSR didn't as why.

Can you explain why?

I'm surprised he didn't either.  But if he did...

"I'd prefer to pay my two employees using AP rather than sending checks because their commissions are rather small (less than $500/pp total), and I won't have to mail checks (1-3 days in the mail) and wait for them to cash them (add x amount of days before they're cashed).  The employees would also be getting paid quicker rather than having to wait for a check.  Same thing goes if I happened to buy tickets from others on Amazon.  As a small business owner, I can get a quick financial picture without having to worry about any outstanding checks if I use Amazon Payments.  But I do pay the AMEX a day or two after the AP charge posts."

The last line _is_ true.  If I'm using AP, then I always pay the SPG soon after the charge posts (well...the same day the $$ gets in my checking account). 


Would this answer be acceptable to a CSR?  No idea.  Hopefully I'll never have to find out.
Title: Re: Chase Reconsideration
Post by: Red on October 06, 2011, 05:11:02 PM
Is any of that true?  Hell no.  But it got me through a F/R phone interview.
Just a friendly reminder that Yom Kippur is tomorrow night.
Are the points worth it? Answer the question to yourself.
Title: Re: Chase Reconsideration
Post by: AJK on October 06, 2011, 06:22:33 PM
Would this answer be acceptable to a CSR?  No idea.  Hopefully I'll never have to find out.

Sounds exactly like a cash advance...
Title: Re: Chase Reconsideration
Post by: TC610 on October 06, 2011, 09:15:31 PM
Just a friendly reminder that Yom Kippur is tomorrow night.
Are the points worth it? Answer the question to yourself.

Given that I had to Google what Yom Kippur was....
...you're right in that I'll keep the answer to myself.
Title: Re: Chase Reconsideration
Post by: TC610 on October 06, 2011, 09:18:47 PM
Sounds exactly like a cash advance...
I suppose it does.  I guess I should find a better explanation.  Or just leave it at "I buy a lot of event tickets and pay for them using Amazon".
Title: Re: Chase Reconsideration
Post by: AJK on October 07, 2011, 10:09:23 AM
Given that I had to Google what Yom Kippur was....
...you're right in that I'll keep the answer to myself.

Ha!

I suppose it does.  I guess I should find a better explanation.  Or just leave it at "I buy a lot of event tickets and pay for them using Amazon".

That would seem to be better...
Title: Re: Chase Reconsideration
Post by: Spiffster on October 07, 2011, 08:43:15 PM
You can never speak in blanket terms, but I have read instances like this, and for some reason (at least with Chase) they seem not to budge.

I personally know someone who had a CL of X and spent 90% of X, then applied for a Chase card. Even though the balance was going to be paid off in full before the next month, the fact that the util % was so high, it was a categorical denial.

Even if it's already paid off, they will still look to the report and not to the current balance.  They'll even admit the report is a month out of date and the current balance is, umm, current.

Sometimes they do seemingly stupid things.
Title: Re: Chase Reconsideration
Post by: Nitantnel on October 08, 2011, 10:09:51 PM
Even if it's already paid off, they will still look to the report and not to the current balance.  They'll even admit the report is a month out of date and the current balance is, umm, current.

Sometimes they do seemingly stupid things.
+1
Title: Re: Chase Reconsideration
Post by: AJK on October 08, 2011, 10:48:17 PM
Even if it's already paid off, they will still look to the report and not to the current balance.  They'll even admit the report is a month out of date and the current balance is, umm, current.

Sometimes they do seemingly stupid things.

That's why you don't have them re-pull until the NEW balance gets reported.
Title: Re: Chase Reconsideration
Post by: AsherO on October 11, 2011, 07:34:16 PM
Methinks it's time to give up on a Chase application. I've called all the recon numbers multiple times, and I even opened an inquiry with the Executive Office. Chase initially approved the application by closing a different card, they even sent me a letter to that effect, but then they rescinded that offer and sent me a secondary-review letter saying that upon reconsidering they decided not to approve my application.

Should I give up? I've had 7 Chase approvals this year, and 3 in the last 3-4 months, which is the reason they're giving for denial.

Lastly, when do you think I'll be safe to reapply with them? (obviously it depends how many inquiries I have on the credit report they pull, but I'll try to keep that inquiry-count to the minimum possible)

Thanks in advance for your advice and opinions.
Title: Re: Chase Reconsideration
Post by: creditforkids on October 12, 2011, 10:24:06 AM
Interesting story - my chase biz banker just put through a 4th Chase card within a 2 month span - with only a 1000 (not 10k) balance in the account.
Underwriting said it had to be a written letter, etc but she went over their head with some internal department, just got a confirmation from chase credit we shoud receive card in 2 weeks.

End of August got ink.
Sept did triple app for saphhire preferred, continental, and United.
continental and united were declined.
Beginning of Oct reconsideration got continental through moving credit from biz card - but would absolutely not open 4th card in short span.


1 week ago received offer to open biz checking and get $200 back.
Met the banker, made a $1k deposit - told her about my situation and that recon would expire on succos so needed something by today. She called some internal department who left notes for underwriting that I would be calling. She had apparantly arranged for another 5k credit shift from Saphire - but when I called with the reference number, underwriting said no way. The notes did indicate banker had called and that I would be calling in - but still problem with 4 cards. Suggested the banker call internal again and this time conference me in to go over underwriting - because underwriting would anyway have needed a written letter from the banker as has been mentioned here.
She called today again and got it pushed through. Got a call from Chase asking me to confirm the shift in credit. I said yes. They said congrats you're getting the card in 2 weeks.
Title: Re: Chase Reconsideration
Post by: elikay on October 12, 2011, 10:29:13 AM
Its amazing what a good/nice banker can get done (what a shame that I let my accounts get shut due to zero balance, I just couldn't deal with the fees or DC swipes...).
Title: Re: Chase Reconsideration
Post by: creditforkids on October 12, 2011, 10:31:13 AM
Its amazing what a good/nice banker can get done (what a shame that I let my accounts get shut due to zero balance, I just couldn't deal with the fees or DC swipes...).
Agreed. She was special.
Title: Re: Chase Reconsideration
Post by: AsherO on October 12, 2011, 10:40:34 AM
Agreed. She was special.

Can you please PM me her contact info? I'll gladly open (another) Chase checking account if she can push an app through for me.
Title: Re: Chase Reconsideration
Post by: creditforkids on October 12, 2011, 11:27:16 AM
Can you please PM me her contact info? I'll gladly open (another) Chase checking account if she can push an app through for me.

with apologies for sounding dumb, can you walk me through how to PM you?

Title: Re: Chase Reconsideration
Post by: creditforkids on October 12, 2011, 11:31:09 AM
with apologies for sounding dumb, can you walk me through how to PM you?
Never mind. I think I figured it out.
Let me know if you don't receive.
Title: Re: Chase Reconsideration
Post by: AsherO on October 12, 2011, 12:50:31 PM
Never mind. I think I figured it out.

Thanks a ton!
Title: Re: Chase Reconsideration
Post by: creditforkids on October 15, 2011, 09:24:33 PM
Thanks a ton!
Pleasure - and nice to give back - thanks for all you do.

Title: Re: Chase Reconsideration
Post by: Thingywingy on October 18, 2011, 02:07:21 PM
I have had the Chase Continental for two years and just closed it to avoid the annual feed . In the middle of may I opened the Saphire card. In the middle of July I opened the United card. I just applied for the Freedom card and was denied. The reconsideration department rep said it wasn't because of bad credit, rather because they wanted to see more history on the new products. I suggested they transfer credit from the other cards, but that wasn't good enough for them. Any suggestions?
Title: Re: Chase Reconsideration
Post by: AJK on October 18, 2011, 02:14:15 PM
Call the other #.
Title: Re: Chase Reconsideration
Post by: Thingywingy on October 18, 2011, 02:24:03 PM
what other number?
Title: Re: Chase Reconsideration
Post by: Thingywingy on October 18, 2011, 02:39:36 PM
Called other other number and they told me exact same thing. Darn!
Title: Re: Chase Reconsideration
Post by: Red on October 18, 2011, 05:04:13 PM
, rather because they wanted to see more history on the new products. I suggested they transfer credit from the other cards, but that wasn't good enough for them. Any suggestions?
I had the same issue after having the Continental, United and freedom, they wouldn't give me the sapphire.
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 26, 2011, 01:57:54 AM
applied for saphire preferred, UA and CO from chase on 10/8 and they wont give me the CO-to many cards in one month any ideas for getting it approved? u know how long it takes to get the UA  miles so i can cancel that out for a CO or any other ideas Recon already said she cant do it.
Title: Re: Chase Reconsideration
Post by: DovidR on October 26, 2011, 10:44:20 AM
applied for saphire preferred, UA and CO from chase on 10/8 and they wont give me the CO-to many cards in one month any ideas for getting it approved? u know how long it takes to get the UA  miles so i can cancel that out for a CO or any other ideas Recon already said she cant do it.
I was told by the rep that there is a 2 card limit every 30 days.  But... rep was wrong. 
I called back and told them I'm okay with them moving credit around to make room for another card, and they did just that.
Try calling back.

miles can take more than a month to post.
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 26, 2011, 11:12:06 AM
ok so which of the chase #'s did u  call?
Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 877-781-3109 (Card combining & card type changes)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 26, 2011, 11:21:11 AM
thanks for the info though!
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 26, 2011, 11:38:08 AM
tried with that excuse to recon and said she cant dont have enough history on other cards;( should i pay other cards in full now?
Title: Re: Chase Reconsideration
Post by: AsherO on October 26, 2011, 05:02:24 PM
ok so which of the chase #'s did u  call?
Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 877-781-3109 (Card combining & card type changes)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)

Perhaps you should consider quoting instead of cutting and pasting.
Title: Re: Chase Reconsideration
Post by: Cbs on October 26, 2011, 10:43:07 PM
ok so which of the chase #'s did u  call?
Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 877-781-3109 (Card combining & card type changes)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)
thanks for the info though!

Perhaps you should consider quoting instead of cutting and pasting.
Or u can put a few quotes in one post that are relevant to what ur saying like i just did, instead of posting twice.
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 27, 2011, 03:44:06 PM
just got my chase card approved by moving around available credit!
Title: Re: Chase Reconsideration
Post by: DovidR on October 27, 2011, 03:56:40 PM
just got my chase card approved by moving around available credit!
Great! Welcome to the game   ;)
Title: Re: Chase Reconsideration
Post by: RANDOMONE on October 27, 2011, 04:53:26 PM
im realizing thats exactly what this is..
Title: Re: Chase Reconsideration
Post by: Ergel on November 02, 2011, 01:04:41 PM
If I just had an annual fee post and I cancel the card through reconsideration (within 30 days) will I get my fee back?
Title: Re: Chase Reconsideration
Post by: Dan on November 02, 2011, 01:21:57 PM
You can always get the fee back within 30 days of an annual fee posting.
Title: Re: Chase Reconsideration
Post by: smurf on November 02, 2011, 04:02:52 PM
If I just had an annual fee post and I cancel the card through reconsideration (within 30 days) will I get my fee back?
worked for me
Title: Re: Chase Reconsideration
Post by: dealvr on November 07, 2011, 02:25:01 PM
I did a 3BM 2 weeks ago for SP, CO, and UN. I called recon today (1-888-270-2127) for the Saphire and the rep told me that it's because I don't have credit for that long. I explained to her that I am from Canada and have perfect credit there and have been building it up since I got here. She noticed my amex approval and realized I have been paying e/t on time. She seemed quite impressed and said she would try to get it approved. She came back on the line and said that it is telling her it needs extra review and I'll receive an answer in the mail within 2 weeks.

Anyone have a similar experience?
What do you suggest I do regarding calling recon for the other 2?
Title: Re: Chase Reconsideration
Post by: muttman on November 07, 2011, 03:26:50 PM
I did a 3BM 2 weeks ago for SP, CO, and UN. I called recon today (1-888-270-2127) for the Saphire and the rep told me that it's because I don't have credit for that long. I explained to her that I am from Canada and have perfect credit there and have been building it up since I got here. She noticed my amex approval and realized I have been paying e/t on time. She seemed quite impressed and said she would try to get it approved. She came back on the line and said that it is telling her it needs extra review and I'll receive an answer in the mail within 2 weeks.

Anyone have a similar experience?
What do you suggest I do regarding calling recon for the other 2?

I had a similar experience, Card came in the mail within a week!! I hope you have the same results
Title: Re: Chase Reconsideration
Post by: dealvr on November 10, 2011, 04:48:22 PM
I did a 3BM 2 weeks ago for SP, CO, and UN. I called recon today (1-888-270-2127) for the Saphire and the rep told me that it's because I don't have credit for that long. I explained to her that I am from Canada and have perfect credit there and have been building it up since I got here. She noticed my amex approval and realized I have been paying e/t on time. She seemed quite impressed and said she would try to get it approved. She came back on the line and said that it is telling her it needs extra review and I'll receive an answer in the mail within 2 weeks.

Anyone have a similar experience?
What do you suggest I do regarding calling recon for the other 2?
Update: I just received an email and was approved for the sapphire preferred with a $6000 limit.
I just called to try to get either the continental or united card approved and the rep said that the sapphire was done and that one is all i can get.
I guess HUCA? Any other suggestions?
Title: Re: Chase Reconsideration
Post by: myb821 on November 10, 2011, 04:54:50 PM
Update: I just received an email and was approved for the sapphire preferred with a $6000 limit.
I just called to try to get either the continental or united card approved and the rep said that the sapphire was done and that one is all i can get.
I guess HUCA? Any other suggestions?
Title: Re: Chase Reconsideration
Post by: joeb1 on November 10, 2011, 05:54:49 PM
huca


+1000
Title: Re: Chase Reconsideration
Post by: lybbtthl on November 10, 2011, 06:52:53 PM
I have a sapphire preferred with a 5K limit open since august (it took 3 calls to recon) and I recently applied for the CO PP card since I got an offer for first year free, but I was turned down. I've called recon about 5 times already trying to switch my line from SP to COPP but they can't do it since COPP has a minimum of 8K and I can't convince them to give me 3K more.
Any suggestions?
(It seems like they document every attempt I make to get it as they keep on asking me why do I keep calling back?)
Title: Re: Chase Reconsideration
Post by: Dan on November 10, 2011, 08:26:12 PM
CO OPP is a 5K minimum line to open.
Call the other recon number.
Title: Re: Chase Reconsideration
Post by: lybbtthl on November 10, 2011, 09:09:44 PM
CO OPP is a 5K minimum line to open.
Call the other recon number.
I know the OPP is 5K, I applied for the CO Presidential Plus which is 8K.
In order for me to get the CO OPP or the MPE I'll need to submit a new application.
What do you mean by the other recon number?
Title: Re: Chase Reconsideration
Post by: Platinum on November 15, 2011, 02:31:27 PM
I did a 3bm  UA CO and SW they approved the SW 20000 limit and got the UA approved 10000 limit. I called a few times to try to get the UA approved and they are telling me no way 2 is the max per 30 days they also refuse to move credit around. Every time I call they tell me we discussed this with you already. Any tips on how to get it approved ?
Thanks
Title: Re: Chase Reconsideration
Post by: AJK on November 15, 2011, 02:34:20 PM
1) Try the other recon number.
2) Wait a couple weeks and call back.

(A combination of both of those worked for me.)
Title: Re: Chase Reconsideration
Post by: Red on November 15, 2011, 02:47:25 PM
I did a 3bm SP SW and Freedom, got declined for SW and freedom for too many credit requests and for the SP they wanted proof of SS# birthday and address.
1) Anybody ever have to send in proof like this?
2) When they get the proof do you think i'm still going to have to fight for the card?
3) Should I wait to hear from them about the SP before calling recon about the other 2?
Title: Re: Chase Reconsideration
Post by: YG on November 15, 2011, 07:10:01 PM
Call the other recon number.

I tried the other number thing last week, ans still got rebuked.  "You JUST spoke to someone about this and they told you no!" 
Apparently they share account notes.
Title: Re: Chase Reconsideration
Post by: TC610 on November 15, 2011, 07:39:49 PM
I tried the other number thing last week, ans still got rebuked.  "You JUST spoke to someone about this and they told you no!" 
Apparently they share account notes.

Happened to me too with my first rejection.  I just had to give the second guy a better reason and then he approved me.
Title: Re: Chase Reconsideration
Post by: YG on November 15, 2011, 07:45:39 PM
any suggestions offhand, why id want a SW RR premium when i just got approved for a SW RR plus?

they seem pretty much identical except for different yearly fee and renewal bonus.
Title: Re: Chase Reconsideration
Post by: myb821 on November 15, 2011, 08:50:38 PM
I believe premier gives some elite qualifying miles and plus doesn't but I'm not positive
Title: Re: Chase Reconsideration
Post by: YG on November 15, 2011, 10:18:11 PM
is there a standard recon deadline, or do i have to call up and ask what it is?

is there some sort of relatively consistent time frame to expect SW miles to post after first spend?

perhaps i can wait till the miles post (plus card should arrive in the next day or two)  then have recon move my credit from the plus to the premiere before its too late.

sound feasible?
Title: Re: Chase Reconsideration
Post by: moko on November 15, 2011, 11:15:55 PM
30 days
and theyre pretty strict about it
Title: Re: Chase Reconsideration
Post by: YG on November 15, 2011, 11:37:18 PM
thanx moko.

is there any chance my 50k miles for the RR plus - no min spend will post in less than a month of the first purchase? or is it necessarily after the first billing cycle?
Title: Re: Chase Reconsideration
Post by: moko on November 15, 2011, 11:39:53 PM
ymmv
I had one of them that posted within 2 weeks another didnt post till i called them 3 times
my sapphire points took about 4 months to post even though i met the threshold within 2 days of receiving the card but my ink bold posted a few days after i got the card
Title: Re: Chase Reconsideration
Post by: YG on November 16, 2011, 12:04:36 AM
Thank you much for the input. 
Guess i'll give it a couple weeks, call about the miles if they haven't posted, that will leave me about ten days to work on recon.  if i get the miles, i'll ask to transfer the CL, if not i'll have to try and get creative.


if anyone has other ideas / advice that might be productive, תבוא עליו ברכה!!
Title: Re: Chase Reconsideration
Post by: asks on November 16, 2011, 09:27:14 AM
any advice how to get reconsidered when the rejection reason was that income is not enough to cover current obligations (or something to that effect)

can I say I wrote the wrong income/housing expense amounts on the application or is there something else to ask for in order to get approved? Many thanks
Title: Re: Chase Reconsideration
Post by: dvol on November 16, 2011, 11:22:20 AM
I did the 2BM with chase freedom and southwest airlines. Got denied for both because of "too may requests for credit or accounts opened with us" - because I got the Chase Sapphire Preferred in June of this year. I called Chase Reconsideration and argued with the woman I spoke to for a bit because she kept telling me there was nothing she could do since I JUST opened the SP. I told her I spoke with a Chase banker (which is true) who had told me I was showing pre-approved status for Chase credit cards...after a few minutes of back and forth she said she sees two apps for Chase c/c and why I applied for both. I told her I applied for Freedom because I have a chase checking account and the SW because I fly with them a lot. She said she could try to see if she could get one of them looked over, which one I would prefer. I said freedom since there's no annual fee so she said she can submit it for a credit review. I asked her why, so she then told me my credit was never even pulled when I applied for the Freedom card since it was automatically denied because I had gotten the SP in June. So to reconsider she would have to do a pull, so I told her to forget the Freedom, and go for the SW. She checked the SP and said I have the maximum credit Chase would give me, $6000. So I asked her if we can move some credit over from there to the SW. She said the minimum for the SP was $5000. So she agreed to try moving over $1000 to the SW. She did, and I got approved for $2000 right away.
Title: Re: Chase Reconsideration
Post by: YG on November 16, 2011, 12:16:28 PM
So she agreed to try moving over $1000 to the SW. She did, and I got approved for $2000 right away.

Didint you say she said your ma credit was 6k?
5k ( remaining on SP) + 2k (SW) = 7k?

Also, i just spoke to recon yesterday about taking credit from my SW Plus (5K) to open a SW Premium that was denied b/c of too many recent requests for credit (not from chace - only one from them) and was told the min CL for the SW cards is 5K! They let you open one with 2K?
Title: Re: Chase Reconsideration
Post by: dvol on November 16, 2011, 12:22:40 PM
Didint you say she said your ma credit was 6k?
5k ( remaining on SP) + 2k (SW) = 7k?

Also, i just spoke to recon yesterday about taking credit from my SW Plus (5K) to open a SW Premium that was denied b/c of too many recent requests for credit (not from chace - only one from them) and was told the min CL for the SW cards is 5K! They let you open one with 2K?

Yep, she told me she was only going to move over $1000 of my credit and 2 minutes later came back to tell me it came back approved for TWO thousand. I wasn't gonna ask too many questions, just thanked her and hung up.

You might be referring to the SouthWest PREMIER card. I applied for the regular SW card.
Title: Re: Chase Reconsideration
Post by: YG on November 16, 2011, 12:32:23 PM
You might be referring to the SouthWest PREMIER card. I applied for the regular SW card.

i have the plus, i want the premiere, he said he cant take any credit from the plus becuase it cant go below 5k, without even mentioning the min. for the premiere.

guess ill have to try again.....
Title: Re: Chase Reconsideration
Post by: YG on November 16, 2011, 01:14:06 PM
she said i can reduce the CL of the RR plus to be less than 5k, but to to that is has to be downgraded from visa signature, and there's still no guarantee that ill be approved for the premiere, and that I wont get the bonuses for the Plus because it wont be a signature.

sound legit?

Title: Re: Chase Reconsideration
Post by: asks on November 16, 2011, 04:42:29 PM
any advice how to get reconsidered when the rejection reason was that income is not enough to cover current obligations (or something to that effect)

can I say I wrote the wrong income/housing expense amounts on the application or is there something else to ask for in order to get approved? Many thanks
any ideas on this one?
Title: Re: Chase Reconsideration
Post by: 123ablack on November 16, 2011, 04:57:12 PM
can I say I wrote the wrong income/housing expense amounts on the application or is there something else to ask for in order to get approved? Many thanks

 
If you have other Chase cards try to have them move some credit lines
(your luck can be pending on the minimum credit line required for that particular card you're trying to have reconsidered)

If you can't play around with the credit lines and your spouse is employed too, tell them you didn't include his/her income in the annual income. provide your spouse's annual income and that should raise the total HOUSEHOLD annual income (which should count).

Good Luck!!
Title: Re: Chase Reconsideration
Post by: asks on November 16, 2011, 05:00:17 PM

If you have other Chase cards try to have them move some credit lines
(your luck can be pending on the minimum credit line required for that particular card you're trying to have reconsidered)

If you can't play around with the credit lines and your spouse is employed too, tell them you didn't include his/her income in the annual income. provide your spouse's annual income and that should raise the total HOUSEHOLD annual income (which should count).

Good Luck!!



good idea, will try that.  But, would they care about *household* income, since the card would not be held jointly?
Title: Re: Chase Reconsideration
Post by: 123ablack on November 16, 2011, 05:07:37 PM


good idea, will try that.  But, would they care about *household* income, since the card would not be held jointly?

IIRC, Chase would take that into count
Title: Re: Chase Reconsideration
Post by: AJK on November 16, 2011, 06:52:47 PM


good idea, will try that.  But, would they care about *household* income, since the card would not be held jointly?

According to a new law that was passed, they shouldn't. But as a matter of fact, they still do.
Title: Re: Re: Chase Reconsideration
Post by: BAHayman on November 16, 2011, 06:59:15 PM
According to a new law that was passed, they shouldn't. But as a matter of fact, they still do.
I thought that was only <21?
Title: Re: Chase Reconsideration
Post by: AsherO on November 16, 2011, 07:03:40 PM
I thought that was only <21?

Nope:

Quote from: http://www.federalreserve.gov/newsevents/press/bcreg/20110318b.htm
In order to protect consumers from incurring unaffordable levels of credit card debt, the Credit Card Act requires that, before opening a new credit card account or increasing the credit limit on an existing account, card issuers consider a consumer's ability to make the required payments on the account. Consistent with the act, the Board's rule addresses practices that can result in extensions of credit to consumers who lack the ability to pay. Specifically, the rule states that credit card applications generally cannot request a consumer's "household income" because that term is too vague to allow issuers to properly evaluate the consumer's ability to pay. Instead, issuers must consider the consumer's individual income or salary.

HT: clownparte (http://forums.dansdeals.com/index.php?topic=11118.msg138069#msg138069)
Title: Re: Chase Reconsideration
Post by: Ergel on November 16, 2011, 09:40:09 PM
All in a nights work-
2 for 2 on a 2BM for the wife thru recon for SP and 70k marriott. Would have been a 3BM but it got messed up. Transferred over credit from freedom card for SP and from CO ( Down to 500 dollars) for Marriott.
2 for 2 on 2 that i have reference numbers for on my 3BM. Canceled BA card for United pretty easily. Then on freedom card She gave me a problem because I had too many open accounts And they didn't even do a credit pull to evaluate my application so she had to pull it then (an extra pull but whatever) and she gave me a whole shpiel about too many cards.... and told me i had to close my marriott card. Which i was more than happy to do. 2 new cards.
Title: Re: Chase Reconsideration
Post by: Dan on November 17, 2011, 01:59:29 PM
Nice Chase Recon story!
http://www.dansdeals.com/archives/16036/comment-page-1#comment-97287
Title: Re: Chase Reconsideration
Post by: jk2 on November 17, 2011, 06:56:44 PM
My story - I applied for Chase Freedom card and got a denial (too many request for credit or opened account with us). My last application with Chase was in June (Sapphire Preferred) and BA Visa (in April). I also got a SPG card in August. So, my number on inquires is 3 in last 6 months. Unfortunately, I made a big mistake last month when I closed my CO card (due to annual fee) with CL of $11K. Now, I know that I should keep that card since it would be a good bargain for closing/opening a card.


Anyway, I called today and rep told me that I opened BA visa in April and Sapphire in June, so I have many cards with them. Fine, I said, I offer to shift CL between BA Visa (I have $17K limit) and Freedom card. She told me that if I want Freedom card to be approved I must close either BA Visa or Sapphire. This is a tough choice for me, so I thanked her and said I'll think and call back.

What do you guys suggest? Should I close BA Visa (7 month old card) or play this game again with new rep (probably he will offer just shifting CL)? I do have 3 cards with Chase (had 4 before closing CO card), so they could approve for 4th card. Does Freedom card worth such sacrifice? I know that new Explorer card comes next year (with big sign up bonus) and I don't want to miss it either.
Title: Re: Chase Reconsideration
Post by: Saver2000 on November 17, 2011, 07:08:21 PM
How long ago did u close the CO card?
If its within 30 days I think they're able to reinstate it.
Title: Re: Chase Reconsideration
Post by: jk2 on November 18, 2011, 05:44:25 AM
Unfortunately, I closed CO card about 40 days ago.

I guess I would call again (hope to get a new rep) and if he offers again the same (close an old card), I'll close BA Visa.
Title: Re: Chase Reconsideration
Post by: 123ablack on November 18, 2011, 12:16:01 PM
I guess I would call again (hope to get a new rep) and if he offers again the same (close an old card), I'll close BA Visa.

Don't forget to report back with the (hopefully good) news
Title: Re: Chase Reconsideration
Post by: joeb1 on November 20, 2011, 02:40:07 PM
Just called for the sw card after initially being rejected following a 2bm with the sapphire.
....well they moved over 5k from my ba and approved it. thank you everyone for your help and input.
p.s. the phone conversation was under 5 minutes
Title: Re: Chase Reconsideration
Post by: boruch on November 20, 2011, 07:05:54 PM
Just wanted to share my first experience with Chase Reconsideration.
Two weeks ago I did a 3BM for the SW, CO and Sapphire Pref. I checked my credit score a couple days later and saw only one hard pull recorded (Exp.)
Last week I got three letters from Chase in the mail saying I was denied fore all 3 cc. For the SW and CO they wrote I had too many CC accounts/too many inquiries and about my Sapphire application they wrote that I was denied because I already have one. (Which I do)
In the past, this would be where I stop and give up, but because I read about reconsideration, here on DDF, I decided to give it a try. First I called about the CO. The rep. was very helpful and friendly and approved me right away. She didn't ask me any questions. Than I called about the SW and got a rude rep. on the line who simply told me there was nothing he could do. I had too many cards (1 Sapphire Pref.) with Chase and no Credit history. I very friendly explained that was impossible since I have a Chase car loan which is almost paid off. (Couple months left) he got very quiet, apologized and told me he misunderstood me and thought that I was trying to get a higher credit line. I told him that I just wanted the card for the sign-up bonus and that I didn't care how high of a credit line he could give me. He replied that he could not give me a $5000 CL but that he would try for a $2000 CL. A few min later he came back to me and told me he approved me for the SW with a $10K CL (??!!) Whatever...
Right after that I called about my Sapphire Pref. application. The rep. told me that I was denied since I already have one. I explained to him that I wanted another one for the 50K bonus UR. He came back to me and said he was only able to approve me for another one if I would close down my first one. He helped me transfer all my points, closed down my first one and approved me for a new Sapphire Pref.
I was very surprised that I was able to turn three denials into three approvals and very happy to be part of this forum.
A big thanks to everyone!!!

I thinks they should rename the Chase Reconsideration to lottery slogan; 'Hey, you never know!'
Title: Re: Chase Reconsideration
Post by: joey89 on November 21, 2011, 01:49:40 AM
Nice story, I was in same position 6 months ago (would give up after denial) till I learned about recon here at DDF
Title: Re: Chase Reconsideration
Post by: PETERP on November 21, 2011, 01:13:49 PM
Just wanted to share my first experience with Chase Reconsideration.
Two weeks ago I did a 3BM for the SW, CO and Sapphire Pref. I checked my credit score a couple days later and saw only one hard pull recorded (Exp.)
Last week I got three letters from Chase in the mail saying I was denied fore all 3 cc. For the SW and CO they wrote I had too many CC accounts/too many inquiries and about my Sapphire application they wrote that I was denied because I already have one. (Which I do)
In the past, this would be where I stop and give up, but because I read about reconsideration, here on DDF, I decided to give it a try. First I called about the CO. The rep. was very helpful and friendly and approved me right away. She didn't ask me any questions. Than I called about the SW and got a rude rep. on the line who simply told me there was nothing he could do. I had too many cards (1 Sapphire Pref.) with Chase and no Credit history. I very friendly explained that was impossible since I have a Chase car loan which is almost paid off. (Couple months left) he got very quiet, apologized and told me he misunderstood me and thought that I was trying to get a higher credit line. I told him that I just wanted the card for the sign-up bonus and that I didn't care how high of a credit line he could give me. He replied that he could not give me a $5000 CL but that he would try for a $2000 CL. A few min later he came back to me and told me he approved me for the SW with a $10K CL (??!!) Whatever...
Right after that I called about my Sapphire Pref. application. The rep. told me that I was denied since I already have one. I explained to him that I wanted another one for the 50K bonus UR. He came back to me and said he was only able to approve me for another one if I would close down my first one. He helped me transfer all my points, closed down my first one and approved me for a new Sapphire Pref.
I was very surprised that I was able to turn three denials into three approvals and very happy to be part of this forum.
A big thanks to everyone!!!

I thinks they should rename the Chase Reconsideration to lottery slogan; 'Hey, you never know!'


I said Whattt! I thought it was forbidden to mention bonuses and say YADA YADA  the zero

F.C. fee, my accountant told me it easier for accounting purposes, your card is soo much

Better than Amex , prettier colors and a POX on Amexs house were what we should say to recon.

You blew me away. I just tell them I have 2 month old sapphire card  that I got 50K and
I want a new one with another 50k bonus , thank you very much!

Come on,someone help me here I am dying. Is that what is advised,

Or is this a lightning struck  The same place twice moment ?

Title: Re: Chase Reconsideration
Post by: Chaikel on November 21, 2011, 04:54:00 PM

I said Whattt! I thought it was forbidden to mention bonuses and say YADA YADA  the zero

F.C. fee, my accountant told me it easier for accounting purposes, your card is soo much

Better than Amex , prettier colors and a POX on Amexs house were what we should say to recon.

You blew me away. I just tell them I have 2 month old sapphire card  that I got 50K and
I want a new one with another 50k bonus , thank you very much!

Come on,someone help me here I am dying. Is that what is advised,

Or is this a lightning struck  The same place twice moment ?
This Yid from NYC, has no idea what you're saying  :o
Title: Re: Chase Reconsideration
Post by: miles on November 21, 2011, 10:25:47 PM
i called biz Recon for my CO PP they told can only approved it if i move CL so i moved 5k from my personal card today i got my card with a 8k CL
Title: Re: Chase Reconsideration
Post by: Shmelly on November 22, 2011, 12:25:00 AM
Got my 2BM results. I was approved for Freedom with an $8500 CL, but got a rejection letter for the "CHASE SAPPHIRE Visa Signature credit card". (Is that the same thing as Sapphire Preffered? Cuz that's what I applied for.)

Rejection was due to "too many requests for credit or opened accounts with us".

I have a BP (CL $6K) for 2 years and a CO (CL $20K) for 11 months, and of course the Freedom from the same time as this app, for a total CL of $34500. I had planned on closing the CO anyway to avoid the fee.

When calling recon in this scenario, do I simply request straight out that I would like to close the CO, so please move the CL over in order to approve the SP app? Or will I likely need to give them reasons why I need both this and the SP at the same time.
Title: Re: Chase Reconsideration
Post by: AsherO on November 22, 2011, 12:45:13 AM
When calling recon in this scenario, do I simply request straight out that I would like to close the CO, so please move the CL over in order to approve the SP app? Or will I likely need to give them reasons why I need both this and the SP at the same time.

Consider asking to move over some credit from the CO's $20k CL instead of offering to close it outright.

You'll only need a reason for getting both cards if they ask, they might or might not.
Title: Re: Chase Reconsideration
Post by: jk2 on November 22, 2011, 09:28:50 AM
Don't forget to report back with the (hopefully good) news

The second call was successful - the same questions, but the rep approved for the card with $5K limit.
Title: Re: Chase Reconsideration
Post by: Shmelly on November 22, 2011, 10:07:24 AM
Any cause for worry that the rejection letter referenced the CHASE SAPPHIRE Visa Signature credit card instead of the Sapphire Preferred?
Title: Re: Chase Reconsideration
Post by: smurf on November 22, 2011, 10:11:48 AM
They always refer to it as a sapphire card.
Title: Re: Chase Reconsideration
Post by: Shmelly on November 22, 2011, 11:34:18 AM
Do I call Credit Reallocation Specialist, Credit Analyst Recon, or Application Recon?
Title: Re: Chase Reconsideration
Post by: TC610 on November 22, 2011, 12:18:20 PM
Any cause for worry that the rejection letter referenced the CHASE SAPPHIRE Visa Signature credit card instead of the Sapphire Preferred?

My rejection letter said the same thing.  When I called Recon I asked if it specifically was the Sapphire Preferred card I'd be getting and the rep said it was.  Six days later I got a Sapphire Preferred card in the mail.
Title: Re: Chase Reconsideration
Post by: TC610 on November 22, 2011, 12:19:21 PM
Do I call Credit Reallocation Specialist, Credit Analyst Recon, or Application Recon?

IME I started with Application Recon and then went to the Credit Analyst Recon.  I never had to go beyond that.
Title: Re: Chase Reconsideration
Post by: Shmelly on November 22, 2011, 04:15:06 PM
SUCCESS! I called Credit Analyst Recon and asked if I can move over some of the CL from my CO $20K CL. Jason replied "I see you applied for Freedom on the same day but let me see what I can do". Put me on hold for 20 seconds, came back and asked me how much would you like to switch over, minimum of $5K maximum of $15K. I moved $15K over because I am closing CO anyway to avoid the fee. He said I'll get a letter notifying me of decrease in CO in 7 days and the actual Sapphire card in 2 weeks. (He couldn't verify if it was Preferred or not; just said it was whatever I had applied for.)

Only took 1 call of 3 minutes 46 seconds for the whole thing. Thanks so much for everyone's help! Always read the stories but I am now firmly a believer.
Title: Re: Chase Reconsideration
Post by: Red on November 22, 2011, 04:21:46 PM
I did a 3bm SP SW and Freedom, got declined for SW and freedom for too many credit requests and for the SP they wanted proof of SS# birthday and address.
1) Anybody ever have to send in proof like this?
2) When they get the proof do you think i'm still going to have to fight for the card?
3) Should I wait to hear from them about the SP before calling recon about the other 2?

Well I didn't get any answers.  :P

First step was a 50 shekel pledge to tzedaka.  ;D

Call 1) I sent in the info they requested and was approved for the SP.

Call 2)  For the freedom card, he claimed that a credit pull was necessary since this was outright declined and not even considered and no pull was ever done (I prob should have done a HUCA). I then got an instant approval.

Call 3) For the SW she claimed it was impossible to get, too many recent accounts.... I told her to close my CO and move the credit line over. She put me on hold for a few minutes and then came back with; as i recommended  ::)  the CO CL can be moved over to open this account (I guess she needed a little ego boost after the impossible claim).
Title: Re: Chase Reconsideration
Post by: AsherO on November 22, 2011, 05:27:06 PM
Well I didn't get any answers.  :P

First step was a 50 shekel pledge to tzedaka.  ;D

Call 1) I sent in the info they requested and was approved for the SP.

Call 2)  For the freedom card, he claimed that a credit pull was necessary since this was outright declined and not even considered and no pull was ever done (I prob should have done a HUCA). I then got an instant approval.

Call 3) For the SW she claimed it was impossible to get, too many recent accounts.... I told her to close my CO and move the credit line over. She put me on hold for a few minutes and then came back with; as i recommended  ::)  the CO CL can be moved over to open this account (I guess she needed a little ego boost after the impossible claim).

How many active Chase cards did you have (in total) before your 3bm?
Title: Re: Chase Reconsideration
Post by: sim on November 22, 2011, 10:59:16 PM
I called recon twice already to get the ink bold approved theyre not budging because the company is too new etc. Any ideas?
Title: Re: Chase Reconsideration
Post by: Red on November 23, 2011, 02:25:12 AM
How many active Chase cards did you have (in total) before your 3bm?
Active, just CO and UA. Closed accounts there are a whole bunch, this is my wife's account and my F-I-L has been playing the game for many years. It could be by the third phone call she happened to see all this, and maybe that's why she started out hostile.
Title: Re: Chase Reconsideration
Post by: mringelheim on November 23, 2011, 01:33:28 PM
Ok guys I need help with this one:

Called reconsideration and they said they can approve my continental card but I would have to close my old one from 2004 - My oldest card I beleive.

Is it worth the credit hit for 30k miles? Also they offered to switch me to untied card but in doing so they don't know if I will get the same bonus. Is the United 25k bonus standard or is it only through one of our links. thanks.
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 01:35:12 PM
Ok guys I need help with this one:

Called reconsideration and they said they can approve my continental card but I would have to close my old one from 2004 - My oldest card I beleive.

Is it worth the credit hit for 30k miles? Also they offered to switch me to untied card but in doing so they don't know if I will get the same bonus. Is the United 25k bonus standard or is it only through one of our links. thanks.

Others can chime in, but I personally would not axe my oldest CC line for 30k CO miles.
Title: Re: Chase Reconsideration
Post by: gozalim on November 23, 2011, 01:45:27 PM
wouldn't it just be considered the same card?
Title: Re: Chase Reconsideration
Post by: arig on November 23, 2011, 02:33:05 PM
i applied for the SW premier card for my wife about 2 weeks ago.i got a letter back that she was denied due to insufficient credit history(she never had a card before).my question is like this-is there any possibility they would approve her with the argument of "she couldnt have history bec she never had a card" and that we have a nice amount in a joint acct with chase,or am i wasting my time?
Title: Re: Chase Reconsideration
Post by: Fan of Dan on November 23, 2011, 02:38:17 PM
i applied for the SW premier card for my wife about 2 weeks ago.i got a letter back that she was denied due to insufficient credit history(she never had a card before).my question is like this-is there any possibility they would approve her with the argument of "she couldnt have history bec she never had a card" and that we have a nice amount in a joint acct with chase,or am i wasting my time?
Hard to imagine IMHO.
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 03:06:15 PM
i applied for the SW premier card for my wife about 2 weeks ago.i got a letter back that she was denied due to insufficient credit history(she never had a card before).my question is like this-is there any possibility they would approve her with the argument of "she couldnt have history bec she never had a card" and that we have a nice amount in a joint acct with chase,or am i wasting my time?

TWTCSIN.
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 03:16:04 PM
Just did my wife's first-ever 3BM a couple hours ago for Freedom + IB + CSP.

Called personal recon line, got a nice rep who for for some reason was unable to find the application by APPID and I was forced to give her the social. Unsurprisingly, she asked why I applied for three cards at once. After an explanation, she pushed through both the CSP and Freedom.

Haven't called the business recon for the IB yet.

En route to 130K UR.
Title: Re: Chase Reconsideration
Post by: Drago on November 23, 2011, 03:24:44 PM
I did a 2BM for my wife, SW and Sapphire. Before applying, I canceled her CO card, and left her BA card open.
She was approved for the SW, and reconsideration told us that they couldn't approve her for the SP since she already had 2 (SW and BA) in prior 6 months.
In the end, I canceled the BA, and they gave her the SP.

Is this an official policy that they only allow 2 new accounts in 6 months, or was she lying? I need to know to decide if I have to wait 6 months to do another round for her.

Also, can she do biz applications w/o this issue coming up?
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 03:53:52 PM
Before applying, I canceled her CO card
Massive mistake.
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 04:03:48 PM
Massive mistake.

+1

In case you don't understand why, you should read this thread. To save you some time, you could have used that credit line as bargaining chip in getting Chase to approve your application.
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 04:14:20 PM
Massive mistake.

+1

I just had a banker call recon on my behalf, successfully pushed through my two SW apps (from recent 2bm). Got a fresh 5k CL on one, and had to close a card for the other. She had a hard time with the second call!, but she just did what I would do, HUCA 8)
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 04:17:35 PM
I just had a banker call recon on my behalf, successfully pushed through my two SW apps (from recent 2bm). Got a fresh 5k CL on one, and had to close a card for the other. She had a hard time with the second call!, but she just did what I would do, HUCA 8)

Congrats. Do you have a banker with whom you have an established relationship, or did you just use the $10,000 leverage?
Title: Re: Chase Reconsideration
Post by: Yellow on November 23, 2011, 04:27:35 PM
Congrats. Do you have a banker with whom you have an established relationship, or did you just use the $10,000 leverage?

That actually works?
Title: Re: Chase Reconsideration
Post by: joeb1 on November 23, 2011, 04:43:33 PM
yup
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 07:15:15 PM
Congrats. Do you have a banker with whom you have an established relationship, or did you just use the $10,000 leverage?

Perhaps the former (I've chatted with her a few times, never opened an account with her or anything). I didn't have $10k this time, I had close to it. Last time she agreed to help I had less than $5k...

For the record, she didn't fill out a form/request, she PUTPAC recon on my behalf, citing her Chase credentials.
Title: Re: Chase Reconsideration
Post by: ye on November 23, 2011, 08:16:13 PM
Is there really any rule as to how many accounts one can open with Chase in a short amount of time? I currently have 7 accounts, 3 of them are 3 months old. Want to do a 3BM again. What are the chances of getting them approved thru recon with offering to close the newest ones? Also, I currently have a United account, will they give me a hard time getting the Continental card since it's basically the same thing?
Thanks
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 08:37:19 PM
Perhaps the former (I've chatted with her a few times, never opened an account with her or anything). I didn't have $10k this time, I had close to it. Last time she agreed to help I had less than $5k...

For the record, she didn't fill out a form/request, she PUTPAC recon on my behalf, citing her Chase credentials.

That's good to know. Ever since Chase started offering these awesome ATMs I never find any reason to go inside and see a a banker.

May need to rethink that.
Title: Re: Chase Reconsideration
Post by: 123ablack on November 23, 2011, 08:38:42 PM
Perhaps the former (I've chatted with her a few times, never opened an account with her or anything). I didn't have $10k this time, I had close to it. Last time she agreed to help I had less than $5k...

For the record, she didn't fill out a form/request, she PUTPAC recon on my behalf, citing her Chase credentials.

I had a similar situation when i applied for my first Chase Business Card (GM Business) I had my business banker send in a letter of support and when my credit line wasn't what I expected he worked hard to raise it with another $7k..

Always good to have a buddy at your local chase.. They can pull (some of the) strings if they really want.

AsherO, perhaps it would be a good idea to drop a bar of chocolate in this holiday season.. You never know what this could bring in the future  ;)
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 08:41:17 PM
AsherO, perhaps it would be a good idea to drop a bar of chocolate in this holiday season.. You never know what this could bring in the future  ;)

I'm definitely going to stop by with a Chanukah present ;)
Title: Re: Chase Reconsideration
Post by: 123ablack on November 23, 2011, 08:53:39 PM
I'm definitely going to stop by with a Chanukah present ;)

cool idea.. keep me posted on his/her reaction and I'll follow your lead accordingly :D
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 08:58:09 PM
cool idea.. keep me posted on his/her reaction and I'll follow your lead accordingly :D

Do you guys think she's allowed to accept a small gift? I don't want to end up looking stupid.
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 09:02:38 PM
Do you guys think she's allowed to accept a small gift? I don't want to end up looking stupid.

Of course. And I'd bet it'd go a long way.
Title: Re: Chase Reconsideration
Post by: elikay on November 23, 2011, 09:13:12 PM
That's good to know. Ever since Chase started offering these awesome ATMs I never find any reason to go inside and see a a banker.

May need to rethink that.
For the record, those awesome ATM's once got jammed when I dumped in a wad of bills and it just swallowed them. When I came to the bank the next day they wanted to know how much it was, I had no clue; only that it was but they asked me to guess so I guessed $80 (it was a lot of singles). I has a temporary credit applied which became permanent (they apparently never tried to figure out how much it was).
Title: Re: Chase Reconsideration
Post by: AJK on November 23, 2011, 09:23:52 PM
For the record, those awesome ATM's once got jammed when I dumped in a wad of bills and it just swallowed them. When I came to the bank the next day they wanted to know how much it was, I had no clue; only that it was but they asked me to guess so I guessed $80 (it was a lot of singles). I has a temporary credit applied which became permanent (they apparently never tried to figure out how much it was).

Ha, that makes those ATMs even more awesome :P
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 09:49:19 PM
Do you guys think she's allowed to accept a small gift? I don't want to end up looking stupid.
Sure!
What kind of gift are you thinking of?
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 09:49:55 PM
That's good to know. Ever since Chase started offering these awesome ATMs
Since the Chase app came out I don't even have to go to the ATMs!
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 09:58:10 PM
Sure!
What kind of gift are you thinking of?

I'm not sure: a "world's best banker" mug sounds cheesy, a nice pen too manly. What would you suggest?

Since the Chase app came out I don't even have to go to the ATMs!

Didn't it come out when you still had your Centro?
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 10:02:08 PM
Dunno, some nice chocolate?

Still have a centro, but my wife has an iPod Touch...depositing a check is a breeze with it.
Title: Re: Chase Reconsideration
Post by: Yellow on November 23, 2011, 10:05:05 PM
I'm not sure: a "world's best banker" mug sounds cheesy, a nice pen too manly. What would you suggest?

maybe a pink pen with sparkles will do the trick :)
Title: Re: Chase Reconsideration
Post by: Yellow on November 23, 2011, 10:06:22 PM
Dunno, some nice chocolate?

Personally i think chocolate might give the wrong message to a gal
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 10:07:21 PM
Personally i think chocolate might give the wrong message to a gal
Us guys rarely know what to give to a gal except jewelry and he's not gonna give that to his banker.
Suggestions?
Title: Re: Chase Reconsideration
Post by: sky121 on November 23, 2011, 10:09:37 PM
A mug? Filled with a gift card? Starbucks? Happy Holidays!

Sent from my LS670 using Tapatalk
Title: Re: Re: Chase Reconsideration
Post by: Cbs on November 23, 2011, 10:12:47 PM
Still have a centro, but my wife has an iPod Touch...depositing a check is a breeze with it.
+ 1. No more Bank or ATM for me, unless it's cash then ATM it is..
Didn't BOA have those "awesome" ATM's first?

Personally i think chocolate might give the wrong message to a gal
Is that from experience? :-P

Sent from my MOTWX435KT using Tapatalk
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 10:22:04 PM
Dunno, some nice chocolate?

I suspect she might be Jewish and I don't want to give her Chalav Stam ;)

maybe a pink pen with sparkles will do the trick :)

Sarcasm, eh?

Personally i think chocolate might give the wrong message to a gal

Don't want to do that...

Didn't BOA have those nullawesomenull ATM's first?

Sent from my MOTWX435KT using Tapatalk

Yup, before Chase anyway.

Sent from my BlackBerry Tour 9630 without using Tapatalk!

/annoying tapatalk signature rant
Title: Re: Chase Reconsideration
Post by: Cbs on November 23, 2011, 10:47:20 PM
I suspect she might be Jewish and I don't want to give her Chalav Stam ;)

There are many good CY choclates :)

Sent from my BlackBerry Tour 9630 without using Tapatalk!
/annoying tapatalk signature rant

i thought its the "in" thing to do seeing sky121's posts  :P
Title: Re: Chase Reconsideration
Post by: AsherO on November 23, 2011, 10:48:33 PM
There are many good CY choclates :)

Any as ubiquitous as Toblerone?
Title: Re: Chase Reconsideration
Post by: Dan on November 23, 2011, 10:53:55 PM
Maybe pick up a box of CY chocolates from Schakolad in MIA?  I know in the winter they can ship stuff via ground for cheap and that is some heavenly chocolate...she'll be sure to push through your next app as well as long as she doesn't get the wrong message from them ;)
Title: Re: Chase Reconsideration
Post by: Cbs on November 23, 2011, 11:11:04 PM
Any as ubiquitous as Toblerone?
i never heard of that chocolate so i couldnt tell u.

and maybe we get a DDD (DansDeals Dictionary) around here so i dont have to google all these hard words that i never learned! lol
Title: Re: Chase Reconsideration
Post by: elikay on November 23, 2011, 11:13:09 PM
I believe PNC had the first.
Title: Re: Chase Reconsideration
Post by: bubbles on November 23, 2011, 11:14:11 PM
and maybe we get a DDD (DansDeals Dictionary) around here so i dont have to google all these hard words that i never learned! lol

close enough (http://forums.dansdeals.com/index.php?topic=10912.msg134373#msg134373)
Title: Re: Chase Reconsideration
Post by: Cbs on November 23, 2011, 11:19:15 PM
I believe PNC had the first.
u mean those atms? i never saw PNC with the atms that u can just deposit cash without envelope. and i bank with PNC (orig: National City) for many years now

close enough (http://forums.dansdeals.com/index.php?topic=10912.msg134373#msg134373)
i saw that one but maybe a wiki would be helpful
Title: Re: Chase Reconsideration
Post by: bubbles on November 23, 2011, 11:23:08 PM

i saw that one but maybe a wiki would be helpful

www.dictionary.com
Title: Re: Chase Reconsideration
Post by: Cbs on November 23, 2011, 11:47:41 PM
www.dictionary.com

and maybe we get a DDD (DansDeals Dictionary) around here so i dont have to google all these hard words that i never learned! lol
which means dictinary.com as well which ive been doing till now
Title: Re: Chase Reconsideration
Post by: Drago on November 24, 2011, 02:37:09 AM
+1

In case you don't understand why, you should read this thread. To save you some time, you could have used that credit line as bargaining chip in getting Chase to approve your application.

I though about that. The reasons I did it were two-fold.

1) When I last applied (for myself), they told me the 2 cards I had made me ineligible for more. (I knew this was false, but multiple calls didn't help, and I gave up). I hoped that by her having only 1 card, this wouldn't be an excuse.

2) I've been reading how the CO card may turn into the new United card soon, and I don't want to risk this happening, making her inelegible for the new card.

Either way, we closed her BA account during negotiations, and they gave us SP.
Title: Re: Chase Reconsideration
Post by: Spiffster on November 24, 2011, 03:30:32 AM
Any as ubiquitous as Toblerone?

gift basket from costco.

gift certificate from, oh, i don't know.

I used to give BestBuy GCs, now I give Amex or Amazon ones.  GCs come in a nice card so you can write a little love letter, err, thank you note.  ;-)
Title: Re: Chase Reconsideration
Post by: 123ablack on November 24, 2011, 06:18:14 PM
I suspect she might be Jewish and I don't want to give her Chalav Stam ;)

Sarcasm, eh?

Don't want to do that...

/annoying tapatalk signature rant

I still believe in a nice & tasty chocolate bar (Dairy if she/he is not allergic... ;)).

I am an outside salesperson for the past 7 years and it always worked and was much appreciated by Ladies, Gentleman Jews or Gentiles... :P It’s called a little token of appreciation.
Of course it has to be appropriate (e.g. not giving a pink nightgown for a 62 year old Male bank manager... :P :P) but I figured it’s more the idea of “giving” and not “what you give”
Title: Re: Chase Reconsideration
Post by: sim on November 28, 2011, 09:19:08 PM
I called the recon number a few times for the ink bold no luck, anyone have luck with exec office number
Title: Re: Chase Reconsideration
Post by: joeb1 on November 28, 2011, 10:33:09 PM
keep on trying u should be sucessful
business recon told me that they have a much easier time putting through business cards if one has an open business chase bank account for a little time with a some money in it.
I had the account opened since 2/09/2011 and there was about 8k in there ymmv
Title: Re: Chase Reconsideration
Post by: sim on November 28, 2011, 11:16:48 PM
Thanks  ill open a business account tomorrow  them ill try again
Title: Re: Chase Reconsideration
Post by: Shmelly on November 28, 2011, 11:40:39 PM
If there is still a balance remaining on a card you'd don't mind closing when you call recon, can they close the card and shift the balance to the new card?
Title: Re: Chase Reconsideration
Post by: lazalaz on November 29, 2011, 12:51:30 PM
I used the 3BM, and when I called Reconsideration yesterday, they couldn't find the APPID. I had to give them my SS, and she only let one through. Is there a point to calling again and trying to get another, or should I just take it and run?
Title: Re: Chase Reconsideration
Post by: AJK on November 29, 2011, 01:14:36 PM
I used the 3BM, and when I called Reconsideration yesterday, they couldn't find the APPID. I had to give them my SS, and she only let one through. Is there a point to calling again and trying to get another, or should I just take it and run?

Call again.
Title: Re: Chase Reconsideration
Post by: YG on November 29, 2011, 01:32:53 PM
I was approved for SW RR Plus and denied for SW RR premiere.  wasnt a 2bm.  separate applications unfortunately.

I had also been approved for two citi AAdvantage and a delta amex gold in the two weeks prior.

The original denial letter said:
"Too many requests were made for new credit
Too many requests for new credit"

I called recon and was told that the 5k limit on the first card is the absolute max chase will give me at this time.
The leter i got in response to this call said  that the reasons were:
"Too many active acounts or too much available credit
you already have the maximum amount of credit we can offer you"

I called recon a second time (credit analyst) and was told again that i cant get approved for more than 5k.  the letter i got in response to the second call said:
"few revolving accounts opened long enough to establish credit history
Not enough accounts opened long enough to establish a credit history"

On the second phone call I was politely informed that the rep was aware that i had called re this issue the day before.

if i was told both times that thres no way i can get an increased credit line, but every letter cited different reasons for the denial, is there any point in me continuing to call and trying the same thing?
Title: Re: Chase Reconsideration
Post by: good sam on November 29, 2011, 01:56:48 PM
I was approved for SW RR Plus and denied for SW RR premiere.  wasnt a 2bm.  separate applications unfortunately.

I had also been approved for two citi AAdvantage and a delta amex gold in the two weeks prior.

The original denial letter said:
"Too many requests were made for new credit
Too many requests for new credit"

I called recon and was told that the 5k limit on the first card is the absolute max chase will give me at this time.
The leter i got in response to this call said  that the reasons were:
"Too many active acounts or too much available credit
you already have the maximum amount of credit we can offer you"

I called recon a second time (credit analyst) and was told again that i cant get approved for more than 5k.  the letter i got in response to the second call said:
"few revolving accounts opened long enough to establish credit history
Not enough accounts opened long enough to establish a credit history"

On the second phone call I was politely informed that the rep was aware that i had called re this issue the day before.

if i was told both times that thres no way i can get an increased credit line, but every letter cited different reasons for the denial, is there any point in me continuing to call and trying the same thing?

Intersting -- I had a similar question.  I did a 3bm for my wife who has nothing on her credit report other than being an au on my cards.  I applied for CO, UA, and SP.  Called recon right away and got approved for SP but was told they couldn't give any more credit because of my thin credit file.  I called again and got the same response.

Keep trying?
Title: Re: Chase Reconsideration
Post by: AsherO on November 29, 2011, 03:50:07 PM
I was approved for SW RR Plus and denied for SW if i was told both times that thres no way i can get an increased credit line, but every letter cited different reasons for the denial, is there any point in me continuing to call and trying the same thing?

Keep trying?

If you guys have good credit, decent income reported on your applications, and have existing credit with Chase to transfer (or close cards if necessary), I'd say you should definitely keep trying, you don't have to call every day though :P
Title: Chase Reconsideration
Post by: clownaparte on November 29, 2011, 05:22:42 PM
I'm not sure: a "world's best banker" mug sounds cheesy, a nice pen too manly. What would you suggest?

A check with "happy Chanukah" written in the memo field? (I'll leave the other fields up to you!)

Seriously, that's what we do every year with our personal banker (located in manhattan, so we mail it) as well as our branch president/vice president...
Title: Re: Chase Reconsideration
Post by: Dan on November 29, 2011, 05:41:04 PM
A check with "happy Chanukah" written in the memo field? (I'll leave the other fields up to you!)

Seriously, that's what we do every year with our personal banker (located in manhattan, so we mail it) as well as our branch president/vice president...
Sounds tacky to me, but to each their own.
Title: Re: Chase Reconsideration
Post by: AsherO on November 29, 2011, 05:43:18 PM
Sounds tacky to me, but to each their own.

+1

I much prefer the chocolates idea.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 01, 2011, 03:02:56 PM
My wife who has only fair credit applied for Slate (0% with free BTs) and was denied. In a case where you don't have a different Chase card to move CL over from, what sort of argument can you use with recon?
Title: Re: Chase Reconsideration
Post by: smurf on December 01, 2011, 03:06:46 PM
My wife who has only fair credit applied for Slate (0% with free BTs) and was denied. In a case where you don't have a different Chase card to move CL over from, what sort of argument can you use with recon?
Why apply for the Slate???
Title: Re: Chase Reconsideration
Post by: AJK on December 01, 2011, 03:08:40 PM
Why apply for the Slate???

My wife who has only fair credit applied for Slate (0% with free BTs) and was denied. In a case where you don't have a different Chase card to move CL over from, what sort of argument can you use with recon?
Title: Re: Chase Reconsideration
Post by: TC610 on December 01, 2011, 03:09:41 PM
Why apply for the Slate???

Probably for the 0% and free BTs? :)
Title: Re: Chase Reconsideration
Post by: smurf on December 01, 2011, 03:16:53 PM
Probably for the 0% and free BTs? :)
I'm so one track minded these days all CC's most have some big signup bonuses, i forgot that people actually sign up for the CL itself.
Title: Re: Chase Reconsideration
Post by: shach on December 01, 2011, 03:30:17 PM
If you guys have good credit, decent income reported on your applications, and have existing credit with Chase to transfer (or close cards if necessary), I'd say you should definitely keep trying, you don't have to call every day though :P
called and asked them to transfer credit from another card/close acct., i was put on hold and the rep came back saying he had to pull my credit again...and of course they still said no.
next time ask before you pull my credit again :(
Title: Re: Chase Reconsideration
Post by: Shmelly on December 01, 2011, 03:52:48 PM
next time ask before you pull my credit again :(
I thought by law they need your consent?
Title: Re: Chase Reconsideration
Post by: TC610 on December 01, 2011, 04:09:33 PM
called and asked them to transfer credit from another card/close acct., i was put on hold and the rep came back saying he had to pull my credit again...and of course they still said no.
next time ask before you pull my credit again :(

Are you sure it resulted in a hard pull?  I've been through recon 5 times in the last 9 months and regardless of what the rep told me, it never resulted in another hard pull.
Title: Re: Chase Reconsideration
Post by: Mordy788 on December 01, 2011, 06:01:23 PM
I was targeted by CO for a credit card, 40,000 Points after first purchase. I applied and was denied. I have 3 other open credit cards with chase. I never called the reconsideration department before. What should I ask them to do?

Thanks.
Title: Re: Chase Reconsideration
Post by: joeb1 on December 01, 2011, 06:10:14 PM
ask them to reconsider it....volunteer to move over some existing credit from the other 3 to open this one or if they really give u a hard time offer to close one of those cards and move that existing crdit to this one to open it up. Be sure to have a good reason u are opening this new card as they probably will ask u that question.
Title: Re: Chase Reconsideration
Post by: Mordy788 on December 01, 2011, 06:25:06 PM
How about paying my college tuition and getting those 40,000 points? Funny thing is I just got a targeted email for the same card and 50,000 points.
Title: Re: Chase Reconsideration
Post by: joeb1 on December 01, 2011, 07:40:13 PM
How about paying my college tuition and getting those 40,000 points? Funny thing is I just got a targeted email for the same card and 50,000 points.

anyway to copy the link for that app and post it here?
Title: Re: Chase Reconsideration
Post by: Mordy788 on December 01, 2011, 08:08:24 PM
The link takes you to a app page with my info. Email came with an invitation number.
Title: Re: Chase Reconsideration
Post by: shach on December 01, 2011, 11:50:37 PM
Are you sure it resulted in a hard pull?  I've been through recon 5 times in the last 9 months and regardless of what the rep told me, it never resulted in another hard pull.
i got another letter in the mail with a slight different reason for being declined. looks like a hard pull to me
I thought by law they need your consent?
can a/o confirm/deny such a "law"?
Title: Re: Chase Reconsideration
Post by: TC610 on December 02, 2011, 05:14:52 PM
You guys rock.  Thanks to the useful comments in this thread, I got all 3 Chase cards pushed through with the help of recon.

Background: About a month ago I did a 3BM for UA/SW/Freedom.  All 3 were pending and then I got the denial letter:  "Too many requests for credit or opened accounts with us".  At the time, I had 4 open credit cards with Chase.

Called recon for the UA.  Got it approved by explaining that I live in a city with a UA hublet and do most of my flying with them.  The rep was okay with that, but I had to shift around $2k in CL from my other cards to get this opened.  Approved.

Seven days later I called recon for the SW card.  The rep explained I do have too many accounts with them and the only way to approve it is by closing another card.  I said "sure, but can you transfer the full credit line over to the new card."?  No problem.  Closed the unused Hyatt card and got the SW card approved. 

Seven days after that, I called to get the Freedom card approved.  The rep pretty much told me there's no way I'll be able to get another card opened because of way too many new accounts opened.  Fine.  Three days later I called the Credit Analyst recon line.  Explained my situation, why I have each card, and that I just opened a Chase Checking account and am interested in a card for every day spending to go along with the bonuses of having Freedom + Checking.  I also mentioned that I'm not looking for additional credit.  We were able to move around $5k of my CL from other cards to get this opened.

Thanks again everyone for the suggestions you've posted in this thread.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 12:22:38 PM
Any ideas for the below scenario?
My wife who has only fair credit applied for Slate (0% with free BTs) and was denied. In a case where you don't have a different Chase card to move CL over from, what sort of argument can you use with recon?
Title: Re: Chase Reconsideration
Post by: AsherO on December 05, 2011, 12:24:22 PM
Any ideas for the below scenario?

Long time banking relationship with Chase, and hyping/stressing anything positive on your credit report.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 12:33:30 PM
Long time banking relationship with Chase, and hyping/stressing anything positive on your credit report.
She has no relationship with Chase (her spouse does) and there is nothing positive on her report. Lost cause?
Title: Re: Chase Reconsideration
Post by: AsherO on December 05, 2011, 01:13:13 PM
She has no relationship with Chase (her spouse does) and there is nothing positive on her report. Lost cause?

Plead? Tell them income is high enough to warrant approval and say that even a small credit line will suffice (better than nothing now that credit pull was already done)?
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 01:17:23 PM
True. Any problem with me calling masquerading as her? Or will they let me call on her behalf as her husband. (I have a very deep voice, she has a very feminine name).
Title: Re: Chase Reconsideration
Post by: good sam on December 05, 2011, 01:21:23 PM
True. Any problem with me calling masquerading as her? Or will they let me call on her behalf as her husband. (I have a very deep voice, she has a very feminine name).
Is it a common english name or hebrew? My wife has a feminine sounding Jewish name.  I call up with no problem. 
Title: Re: Chase Reconsideration
Post by: smurf on December 05, 2011, 01:22:39 PM
True. Any problem with me calling masquerading as her? Or will they let me call on her behalf as her husband. (I have a very deep voice, she has a very feminine name).
they will probably ask her to authorize you to speak on her behalf
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 01:23:22 PM
Hebrew name and english name are both Sarah. No way I can pull that off.
they will probably ask her to authorize you to speak on her behalf
I'll give this a try. Thanks!
Title: Re: Chase Reconsideration
Post by: good sam on December 05, 2011, 01:27:21 PM
Just pronounce it serAH. It could be indian or something
Title: Re: Chase Reconsideration
Post by: AJK on December 05, 2011, 01:28:09 PM
Don't masquerade or do the above.

As mentioned, just have your wife authorize you to speak. I've done this many times.
Title: Re: Chase Reconsideration
Post by: smurf on December 05, 2011, 01:42:29 PM
Don't masquerade or do the above.

As mentioned, just have your wife authorize you to speak. I've done this many times.
me too. too many times in fact. It gets very annoying having to get authorization every time
Title: Re: Chase Reconsideration
Post by: joeb1 on December 05, 2011, 01:45:37 PM
Don't masquerade or do the above.

As mentioned, just have your wife authorize you to speak. I've done this many times.


for recon also?
Title: Re: Chase Reconsideration
Post by: AJK on December 05, 2011, 02:00:05 PM

for recon also?

See title of thread.
Title: Re: Chase Reconsideration
Post by: joeb1 on December 05, 2011, 04:29:50 PM
 :P
Title: Re: Chase Reconsideration
Post by: interested on December 05, 2011, 08:10:23 PM
has anyone had any luck with reconsideration, when asking them to approve a Chase CC if you close a Citi CC.
Title: Re: Chase Reconsideration
Post by: AJK on December 05, 2011, 08:18:58 PM
has anyone had any luck with reconsideration, when asking them to approve a Chase CC if you close a Citi CC.

Pretty sure that's not going to work for a number of reasons.
Title: Re: Chase Reconsideration
Post by: AsherO on December 05, 2011, 08:27:17 PM
Pretty sure that's not going to work for a number of reasons.

+100, not happening.
Title: Re: Chase Reconsideration
Post by: arch on December 05, 2011, 09:55:27 PM
I was denied for a Chase sapphire card 31 days ago and I forgot to call within the 30 days! Does anyone know if I have a chance with Recon?
Title: Re: Chase Reconsideration
Post by: joeb1 on December 05, 2011, 10:37:08 PM
putpac cant hurt
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 11:05:10 PM
Update: My wife called and authorized me to speak on her behalf. Request was granted without a problem for the next 24 hours. I asked the rep to please reconsider as the only negative mark on her CR was due to a reporting mistake by BoA (true story). She agreed to approve the card with a $500 CL.

In a sense of her needing this card to boost her credit it was a successful call, but considering I was opening the card for the 0% APR with free BTs its pretty much useless.

I asked the rep to give a higher line but she said that's all she can do. She advised me to use the full CL for the next 5 months, pay the balance in full each time, and then call to request an increase. Has anyone had success with this before? Do we really need to wait that long?
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on December 05, 2011, 11:14:51 PM
Here's a post I've been meaning to make for awhile.  In the past month, I've gotten 3 chase cards (SW x2, Hyatt) approved for myself, and 2 for a friend of mine with very little credit history.  I had a 20k CL from BA (no idea why) and for some reason the only card I got instantly approved for was SW Premier which they gave me an additional 2k CL for.  First called up for the Hyatt which was a breeze considering all they had to do was move 5k over from the BA but the SW Plus was a little tricker.  First two reps were not having it at all saying it's impossible to have two cards and get two bonuses, yada yada yada.  Called a 3rd time and got a really laid back guy who said "well, I can't approve them both for personal use but do you happen to have a business?"  Baruch Hashem, Shalom al Yisrael all three are now in my wallet.
The friend however was a little more difficult.  He has a Chase Freedom card for only 4 months and he's 29 years old, no other credit history.  Was able to get him approved for a SW Plus with a 2k credit line and B"H after calling 3 times and getting a manager was able to get him approved for a Hyatt as well.  Basically the manager asked, "so it says you put down here your salary is $20k, is that all of your income?" Answer: "Why no, I have a tutoring business on the side which pays me an additional $20k/year" Manager: "Oh that's wonderful, I just ran your numbers and you're all set."  This happened on both cards.  I should also mention that he has something like 50k in the bank with Chase, not sure how much this influenced their decision.
Title: Re: Chase Reconsideration
Post by: AJK on December 05, 2011, 11:20:08 PM
Update: My wife called and authorized me to speak on her behalf. Request was granted without a problem for the next 24 hours. I asked the rep to please reconsider as the only negative mark on her CR was due to a reporting mistake by BoA (true story). She agreed to approve the card with a $500 CL.

In a sense of her needing this card to boost her credit it was a successful call, but considering I was opening the card for the 0% APR with free BTs its pretty much useless.

I asked the rep to give a higher line but she said that's all she can do. She advised me to use the full CL for the next 5 months, pay the balance in full each time, and then call to request an increase. Has anyone had success with this before? Do we really need to wait that long?

Credit line increases happen all the time, albeit (sometimes) with credit pulls.

Sounds like you actually need the positive history, so I'd say yes, wait at least that long. (Unless you don't care about the pulls, in which case I'd say maybe try in 3 months.) 
Title: Re: Chase Reconsideration
Post by: Shmelly on December 05, 2011, 11:25:14 PM
Thanks AJK.
Title: Re: Chase Reconsideration
Post by: AJK on December 05, 2011, 11:27:00 PM
You're welcome.
Title: Re: Chase Reconsideration
Post by: arch on December 06, 2011, 01:57:01 AM
putpac cant hurt
I did, they said no. Im going to try again..... Anything specific that i should say?
Title: Re: Chase Reconsideration
Post by: good sam on December 06, 2011, 02:10:33 AM
I did, they said no. Im going to try again..... Anything specific that i should say?
why did they say no?
Title: Re: Chase Reconsideration
Post by: joeb1 on December 06, 2011, 07:44:37 AM
31+days read a little
Title: Re: Chase Reconsideration
Post by: moko on December 06, 2011, 02:33:35 PM
I recently did a 3bm of business cards
of course i got denied for all 3 and saw 2 credit hits on my account called for 2 got approved (all regular so far)

Now the strange part: when i called for the 3rd they told me that they never pulled the credit for this app, they saw too many apps and denied without pulling my credit and would need to pull in order to recon
i authorized them to pull again (which is another question if it was worth a credit hit for $400 on the ink cash after one swipe, i think it was )
has this ever happened to anyone
Title: Re: Chase Reconsideration
Post by: RANDOMONE on December 06, 2011, 02:44:29 PM
just did a 3Bm with chase on wifes account and got pending all 3. called up and was told she needs to fax in copy of s.s. card and proof of address. anyone got this response?
Title: Re: Chase Reconsideration
Post by: moko on December 06, 2011, 02:45:33 PM
yea
 ime its bec. alot of apps for different people on the same ip
Title: Re: Chase Reconsideration
Post by: Red on December 06, 2011, 03:09:13 PM
Now the strange part: when i called for the 3rd they told me that they never pulled the credit for this app, they saw too many apps and denied without pulling my credit and would need to pull in order to recon
i authorized them to pull again (which is another question if it was worth a credit hit for $400 on the ink cash after one swipe, i think it was )
has this ever happened to anyone

just did a 3Bm with chase on wifes account and got pending all 3. called up and was told she needs to fax in copy of s.s. card and proof of address. anyone got this response?

For my recent 3bm (SP SW Freedom)for my wife all 3 were declined.
Sp they asked me to send in the verification info, i was then approved without having to call recon again.
For the freedom they told me to many apps and no credit pull was done, they did a pull (it hasn't showed up yet, but i monitor with credit karma so i don't know how accurate it is) and got approved.
Title: Re: Chase Reconsideration
Post by: stam on December 06, 2011, 10:50:44 PM
Applied for United, Sapphire, and Ink biz using 3BM, got turned down on all 3.
Called recon, worked out the first 2 with reallocation from previous accounts (was a breeze,thanks Dan!!).
 Got  raked over the coals about my business for the Ink application, and ultimately turned down.
Can I ask to reallocate personal credit to get approved fro the Ink Bold biz card?
How  much available credit would i need? Is there a minimum credit line for the Ink Bold card? (the Chase Sapphire I was told needed to have minimum 5K credit line; anyone know if thats negotiable?
Thanks!!
Title: Re: Chase Reconsideration
Post by: bubbles on December 06, 2011, 10:58:20 PM
Can I ask to reallocate personal credit to get approved fro the Ink Bold biz card?
How  much available credit would i need? Is there a minimum credit line for the Ink Bold card? (the Chase Sapphire I was told needed to have minimum 5K credit line; anyone know if thats negotiable?
Thanks!!

I got approved for the IB by moving over credit from SP. Not sure if there is a minimum but $3500 is definitely enough
Title: Re: Chase Reconsideration
Post by: stam on December 06, 2011, 11:03:36 PM
I got approved for the IB by moving over credit from SP. Not sure if there is a minimum but $3500 is definitely enough
3500 was enough for IB? or for Sapphire? (is SP Sapphire?)
Thanx for your help!
Title: Re: Chase Reconsideration
Post by: bubbles on December 06, 2011, 11:08:33 PM
3500 was enough for IB? or for Sapphire? (is SP Sapphire?)
Thanx for your help!

3500 was enough for the IB and SP = Sapphire Preferred
Title: Re: Chase Reconsideration
Post by: stam on December 06, 2011, 11:28:03 PM
3500 was enough for the IB and SP = Sapphire Preferred
3500 won't work for me, i need more like 1000...  :-[
 Anyone else have experience with this?
thanx again!
Title: Re: Chase Reconsideration
Post by: bubbles on December 06, 2011, 11:32:44 PM
3500 won't work for me, i need more like 1000...  :-[
 Anyone else have experience with this?
thanx again!

Could be that would work too. Why not just call?
Title: Re: Chase Reconsideration
Post by: zlt123 on December 07, 2011, 12:09:31 PM
but i monitor with credit karma so i don't know how accurate it is) and got approved.
BTW Credit Karme only shows pulls from trans union and Chase usaly puls from expiran/equfex not trans union so it wont show up in credit karme
Title: Re: Chase Reconsideration
Post by: Red on December 07, 2011, 12:48:34 PM
BTW Credit Karme only shows pulls from trans union and Chase usaly puls from expiran/equfex not trans union so it wont show up in credit karme
Oh. Thanx.
Title: Re: Chase Reconsideration
Post by: Spiffster on December 07, 2011, 01:57:38 PM
BTW Credit Karme only shows pulls from trans union and Chase usaly puls from expiran/equfex not trans union so it wont show up in credit karme

depends on the state.  for me, chase pulls from TU.
Title: Re: Chase Reconsideration
Post by: Saver2000 on December 07, 2011, 02:12:47 PM
BTW Credit Karme only shows pulls from trans union and Chase usaly puls from expiran/equfex not trans union so it wont show up in credit karme
depends on the state.  for me, chase pulls from TU.

+1
There is a thread about this topic

http://forums.dansdeals.com/index.php?topic=6373.0
Title: Re: Chase Reconsideration
Post by: Drago on December 07, 2011, 02:33:29 PM
I had one open account with Chase (from this year), and did a 2 BM a week ago, 1 SW, and 1 biz SW.
Was approved for the SW, and called up and they told me I was declined for the biz SW. They told me it was b/c of number of inquiries in last year, and I offered to close an account, or transfer CL, and they told me that n/t would help since the inquiry amount was an automatic red flag.

Is this a typical response, but another call may help better, or is this actually a final no?
(Odd thing is, I do work, and have a real income, and can possibly be considered a biz since I do gov work in Israel)
Title: Re: Chase Reconsideration
Post by: joeb1 on December 07, 2011, 04:19:01 PM
putpac again
Title: Re: Chase Reconsideration
Post by: TC610 on December 08, 2011, 10:21:31 AM
I had one open account with Chase (from this year), and did a 2 BM a week ago, 1 SW, and 1 biz SW.
Was approved for the SW, and called up and they told me I was declined for the biz SW. They told me it was b/c of number of inquiries in last year, and I offered to close an account, or transfer CL, and they told me that n/t would help since the inquiry amount was an automatic red flag.
Is this a typical response, but another call may help better, or is this actually a final no?

I had the same problem with too many inquiries and the first recon rep rejected me.  I called the credit analyst recon number, stressed that I wasn't looking for an extension of credit, just looking for an everyday spending card.  She then moved some CLs and opened the card.
Title: Re: Chase Reconsideration
Post by: TC610 on December 08, 2011, 12:27:09 PM
Oops, just realized yours was for the Business card, so I don't think the "everyday spending" excuse would work.
(and for some reason I can't find the "modify" button on my old post)
Title: Re: Chase Reconsideration
Post by: Drago on December 08, 2011, 12:32:35 PM
Oops, just realized yours was for the Business card, so I don't think the "everyday spending" excuse would work.
(and for some reason I can't find the "modify" button on my old post)

I'll stress the 'not looking for extension of credit' aspect and see how it goes.
As it stands, I have no biz accounts with them, so...
Title: Re: Chase Reconsideration
Post by: Drago on December 08, 2011, 04:25:52 PM
I'll stress the 'not looking for extension of credit' aspect and see how it goes.
As it stands, I have no biz accounts with them, so...

And... it worked. Explained my need, they asked me a bunch of financial questions (savings, liquidity, etc), I answered completely honestly, and good to go.
(This means that my churn was good for AMEX Plat (third), Delta Biz AMEX, Discover cash back, SW personal, SW biz, AA Visa, and still need to call about AA AMEX)
Title: Re: Chase Reconsideration
Post by: AsherO on December 08, 2011, 04:27:40 PM
(This means that my churn was good for AMEX Plat (third), Delta Biz AMEX, Discover cash back, SW personal, SW biz, AA Visa, and still need to call about AA AMEX)

You just applied for all those cards at once?
Title: Re: Chase Reconsideration
Post by: Drago on December 08, 2011, 04:41:36 PM
You just applied for all those cards at once?
Yea, but I kinda messed up. My computer (I'm in Israel) messes up the websites sometimes, so my application for the Sapphire didn't process, and I was afraid about doing it again. I'll try that in the spring I guess. Anyhow, it's hard for me to reach all this spend, so perhaps its for the best.
Also, my wife was approved for 4 cards or so (SW personal, US Airway, Sapphire, and s/t else I think. I'm still working on her Plat app since it was denied twice), so I need to be careful about spend
Title: Re: Chase Reconsideration
Post by: YG on December 09, 2011, 02:48:37 PM
Chase SM said that bonus miles take 6-8 weeks to cmoe through.  The consensus on DDF was that it comes through ight after first statement closes.
............................
Came through within hours. 
+1 again to DDF!

now that the miles for my first card came through, and i have four days left to recon the second SW card that was denied, i called recon and the lady told me that i have to pay off the first card ($10 first spend + $69 fee for first year) and then call back to have it closed and credit line moved to other card.

If I pay the whole amount now, and then close the card in the proccess of recon'ing the second one, in which case the yearly fee from the first will be due to be refunded, will they refund it to the new card?
Title: Re: Chase Reconsideration
Post by: AsherO on December 09, 2011, 03:29:59 PM
If I pay the whole amount now, and then close the card in the proccess of recon'ing the second one, in which case the yearly fee from the first will be due to be refunded, will they refund it to the new card?

You can get a refund to a closed card.
Title: Re: Chase Reconsideration
Post by: YG on December 10, 2011, 06:42:23 PM
I must be missing something..........
what good is a refund on a card that's closed and i cant spend on anymore?
Title: Re: Chase Reconsideration
Post by: Saver2000 on December 10, 2011, 06:47:04 PM
I must be missing something..........
what good is a refund on a card that's closed and i cant spend on anymore?

You can call them up and request a check for the balance.
Title: Re: Chase Reconsideration
Post by: YG on December 10, 2011, 08:03:20 PM
That explains it.......
Thanx
Title: Re: Chase Reconsideration
Post by: moko on December 11, 2011, 11:52:33 PM
has anyone had any success asking for the SP  in both visa and mc (both have 50k sign up bonuses) the only excuse i could think of is the MC is a world card
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 16, 2011, 12:15:08 PM
After my 3BM at the beginning of the week I got instant approval on 1 and pending on 2. I know generally people say wait for the letter, but what if the letter takes all the way until too close to the 30 day mark? Is there a maximum time period to wait before calling recon even without the letter in hand?
Title: Re: Chase Reconsideration
Post by: bem684 on December 18, 2011, 08:57:25 PM
am I imagining things or is the general chase recon line not usually very helpful?

I called and he couldn't take my app id, asked for a reference number or else a social security number.  Then he pulled up both my apps (did 2bm monday night), and told me both were declined due to recently opened card and recent applications (5 months ago). 

I asked if there was anything he could do and he put me on hold a second time.  He came back and said no.  He was borderline snide the whole time.  I hung up and decided not to waste more breath on him.  I will call a different number next time I think.  What number should I call to give them my app id?
Title: Re: Chase Reconsideration
Post by: TC610 on December 18, 2011, 09:55:39 PM
am I imagining things or is the general chase recon line not usually very helpful?

You are imagining things.  Last month, recon approved 2 out of 3 apps for me with no problem (see earlier in this thread for my experience).  The credit analyst number got my 3rd app approved.

I asked if there was anything he could do and he put me on hold a second time.  He came back and said no.  He was borderline snide the whole time.  I hung up and decided not to waste more breath on him.  I will call a different number next time I think.  What number should I call to give them my app id?

Instead of only mentioning problems (based on the information in your post, I assume that's what you did...otherwise you left out some info in your post), try to suggest a solution to the analyst.  See other peoples responses in this thread for what they chose to do for "too many recently opened accounts" and "too many inquiries/applications" issues.  Above all, be polite.  Also, most people here recommend calling for one app at a time instead of trying to get 2 apps approved with the same rep.  I've dealt with the recon and credit analyst lines for 6 different apps this year and have never failed to get any app pushed through by the second try.  As usual, YMMV.  Good luck.
Title: Re: Chase Reconsideration
Post by: bem684 on December 18, 2011, 11:02:32 PM
I wasn't so clear I guess.  I meant to imply that he was a snide CSR in general, that he had no intention of being helpful, and that I realized all this a minute or two into the call.  That is why I didn't suggest anything to him (such as transferring credit off my other cards or closing one of them.)  I'm sure I could do those things with a reasonable rep but I didn't want to get into a boxing match with an anal retentive rep.

I have done this many times as well, and been approved several times.  But my last 5 apps all had to go through recon, and I had to deal with by-the-book hardnose reps several of those times.  I think I'm just frustrated.
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 19, 2011, 09:42:17 PM
Just got my new SP along with 2 denials from my recent 3BM. Is calling recon 2 in the same day not recommended? What about doing so the same day as activating my new SP? Denials were for "too many recent requests for credit or opened accounts with us".
Title: Re: Chase Reconsideration
Post by: Eli on December 19, 2011, 10:52:36 PM
Applied for Ink Bold, Chase Saphire and United using 3BM. Got letters denied for Saphire and United - no letter about Ink. Interestingly, I waited about 2 weeks before calling today, and the first lady tells me just a few days ago I was approved for Ink Bold for $30K. I called about Saphire so she lowered Ink to $20K and approved Saphire for $10K on the spot. At the same time (while I was on the phone) I called from a second phone about the United. Lady realized I had just gotten an approval from someone else just a few minutes ago - even called me on it - and I made nothing of it and she didn't mind. She moved $2.5K from another card I had to make room for the United and approved on the spot. I don't plan on using the united besides for the bonus, and I'll probably merge my CO OPP with the united anyway so I took the low credit limit.

Just wanted to share. Thank you Dan!
Title: Re: Chase Reconsideration
Post by: myb821 on December 19, 2011, 10:58:07 PM
Applied for Ink Bold, Chase Saphire and United using 3BM. Got letters denied for Saphire and United - no letter about Ink. Interestingly, I waited about 2 weeks before calling today, and the first lady tells me just a few days ago I was approved for Ink Bold for $30K. I called about Saphire so she lowered Ink to $20K and approved Saphire for $10K on the spot. At the same time (while I was on the phone) I called from a second phone about the United. Lady realized I had just gotten an approval from someone else just a few minutes ago - even called me on it - and I made nothing of it and she didn't mind. She moved $2.5K from another card I had to make room for the United and approved on the spot. I don't plan on using the united besides for the bonus, and I'll probably merge my CO OPP with the united anyway so I took the low credit limit.

Just wanted to share. Thank you Dan!
congrats
Title: Re: Chase Reconsideration
Post by: AsherO on December 20, 2011, 05:06:07 AM
Just got my new SP along with 2 denials from my recent 3BM. Is calling recon 2 in the same day not recommended? What about doing so the same day as activating my new SP? Denials were for "too many recent requests for credit or opened accounts with us".

I'd say calling the same day is fine, might even be better if it reduces their chances of seeing your other new account(s). I don't think when you activate matters at all.

congrats

+1
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 20, 2011, 11:59:07 AM
Update: Just got off the phone. Approved on the spot with a nice size CL for the CO OPP without moving any other cards around. When she asked for the reference number she was able to see all my pending and open cards and asked about each of them but didn't really seem to care.

Now I'm going to need to call for the United MP and then I should be all good to go.
Title: Re: Chase Reconsideration
Post by: Chaikel on December 20, 2011, 12:01:53 PM
Update: Just got off the phone. Approved on the spot with a nice size CL for the CO OPP without moving any other cards around. When she asked for the reference number she was able to see all my pending and open cards and asked about each of them but didn't really seem to care.

Now I'm going to need to call for the United MP and then I should be all good to go.
On the phone with them right now. When I gave ref# the first thing he asked was also "Why 3 apps?" so I said for sign-ups.
1 approved. Now on hold waiting for #2.

BTW. He said the only reason why I wasn't approved instantly (I have 767 fico) is 3 apps at the same time
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 20, 2011, 12:03:13 PM
On the phone with them right now. When I gave ref# the first thing he asked was also "Why 3 apps?" so I said for sign-ups.
1 approved. Now on hold waiting for #2.

BTW. He said the only reason why I wasn't approved instantly (I have 767 fico) is 3 apps at the same time

They didn't seem to care it was 3 apps, just mentioned it to me. ("I see you have the new SP, plus OPP, plus MP...")

You think I should have tried getting both approved from the same rep? Maybe that was a mistake.
Title: Re: Chase Reconsideration
Post by: Chaikel on December 20, 2011, 12:27:44 PM
They didn't seem to care it was 3 apps, just mentioned it to me. ("I see you have the new SP, plus OPP, plus MP...")

You think I should have tried getting both approved from the same rep? Maybe that was a mistake.
Dunno. All 3 were declined by me. He asked me which I want first, put me on hold for 5 min. Came back and said I can do only one more, which one? Came back 5 min later and said approved, and he can't do another one for another 30 days.
Title: Re: Chase Reconsideration
Post by: AJK on December 20, 2011, 12:37:09 PM
Dunno. All 3 were declined by me. He asked me which I want first, put me on hold for 5 min. Came back and said I can do only one more, which one? Came back 5 min later and said approved, and he can't do another one for another 30 days.

Crazy how different the reps can be. I got my wife approved for both the SP and Freedom on the same call.
Title: Re: Chase Reconsideration
Post by: Chaikel on December 20, 2011, 12:49:28 PM
Crazy how different the reps can be. I got my wife approved for both the SP and Freedom on the same call.
I got 2 on the same call. That's what I wrote. He said he couldn't do the 3rd within 30 days
Title: Re: Chase Reconsideration
Post by: AJK on December 20, 2011, 12:51:14 PM
Ah, missed the word "more" in your reply.

Dunno. All 3 were declined by me. He asked me which I want first, put me on hold for 5 min. Came back and said I can do only one [more], which one? Came back 5 min later and said approved, and he can't do another one for another 30 days.
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 20, 2011, 01:36:47 PM
FINAL UPDATE: Approved... SP, CO and MP - 150k here we come!
Title: Re: Chase Reconsideration
Post by: Galitzyaner on December 20, 2011, 02:16:52 PM
Hi there, I was declined for the UA & Sapphire Pref., i called reconsideration -to no success, i now tried a second time and she told me I'd have to close my BA if i want to get approved (i dont really care much for that card) but they would take my points away from that card (over 100k points).
So my question is, will they really take away my points?  Is it an empty promise?  Are they able to?  Should i go ahead with this?
I dont want to lose 100k BA points! 

I'd really appreciate if somebody can assist me, asap.

Also, after i take care of this, how would i go about getting approved for the Sapphire? no more cards i can close..

Thanks in advance
Title: Re: Chase Reconsideration
Post by: AJK on December 20, 2011, 02:40:51 PM
If the points are already in your BA account, you have a very good chance that they'll stay there.

I haven't heard of a case where they took them back. Someone will CMIIW.
Title: Re: Chase Reconsideration
Post by: Galitzyaner on December 20, 2011, 02:59:31 PM
Hi there, I was declined for the UA & Sapphire Pref., i called reconsideration -to no success, i now tried a second time and she told me I'd have to close my BA if i want to get approved (i dont really care much for that card) but they would take my points away from that card (over 100k points).
So my question is, will they really take away my points?  Is it an empty promise?  Are they able to?  Should i go ahead with this?
I dont want to lose 100k BA points! 

I'd really appreciate if somebody can assist me, asap.

Also, after i take care of this, how would i go about getting approved for the Sapphire? no more cards i can close..

Thanks in advance

If the points are already in your BA account, you have a very good chance that they'll stay there.

I haven't heard of a case where they took them back. Someone will CMIIW.

Thanks!  It's quite a big risk for me to take, as 100k+ miles is quite a bit for me, but i guess i'll experiment..

Anybody out there with any such experience?
Title: Re: Chase Reconsideration
Post by: AJK on December 20, 2011, 03:23:39 PM
Me :)

I cancelled it after a few months (I think it was no more than 4), and I kept my miles.

I am sure countless others have done so as well.

If yours is older than 6 months I highly doubt you have anything (read: clawback) to worry about.
Title: Re: Chase Reconsideration
Post by: Chaikel on December 20, 2011, 03:43:10 PM
Me :)

I cancelled it after a few months (I think it was no more than 4), and I kept my miles.

I am sure countless others have done so as well.

If yours is older than 6 months I highly doubt you have anything (read: clawback) to worry about.
Clawback is if you return the items you bought. Once it's in an airline/hotel account, they wont take it back unless there is a very good reason (not canceling a card)
Title: Re: Chase Reconsideration
Post by: RANDOMONE on December 20, 2011, 04:11:09 PM
hey did a 3BM for my wife and got declined on all 3 apps. they had me fax id verification and now i called and was told declined for limited credit because her other cards were only opened within the year. so she tried looked into it again and again she said sorry limited credit. any ideas should i give up on this?
Title: Re: Chase Reconsideration
Post by: AJK on December 20, 2011, 05:14:56 PM
Clawback is if you return the items you bought. Once it's in an airline/hotel account, they wont take it back unless there is a very good reason (not canceling a card)

You sure about that? :)
Title: Re: Chase Reconsideration
Post by: Jkhein on December 21, 2011, 03:38:02 PM
I was just told by a recon agent, that they don't look anymore on the score, when approving a card, just the credit history.
Title: Re: Chase Reconsideration
Post by: AJK on December 21, 2011, 03:40:33 PM
I was just told by a recon agent, that they don't look anymore on the score, when approving a card, just the credit history.

I don't know about everyone else, but, to me, that makes perfect sense.
Title: Re: Chase Reconsideration
Post by: RANDOMONE on December 21, 2011, 03:55:22 PM
HELP! i was declined on my wifes 3BM with chase and there telling me she has "limited credit" because all of her cards have only been opened within the year even though she has other joint accounts. any was to get an approval?
Title: Re: Chase Reconsideration
Post by: Steven on December 21, 2011, 09:26:38 PM
HELP! i was declined on my wifes 3BM with chase and there telling me she has "limited credit" because all of her cards have only been opened within the year even though she has other joint accounts. any was to get an approval?
does she have any other chase cc accnts that you can transfer a line of credit to open the new card?
Title: Re: Chase Reconsideration
Post by: RANDOMONE on December 22, 2011, 02:11:32 AM
does she have any other chase cc accnts that you can transfer a line of credit to open the new card?
  nope nothing
Title: Re: Chase Reconsideration
Post by: bem684 on December 22, 2011, 01:15:39 PM
I just spoke to Chase a few hours ago about a denied app for Freedom.  I gave the usual "I always pay on time, I've been a Chase customer for a decade" etc, and she said she can try and put the app through reconsideration.  After about a minute on hold she came back and told me I'd have a decision in two weeks or less. 

Have other people had to wait this long?  I have pushed 3 other cards through over the phone in the past, and all were taken care of on the spot.  What causes such a delay?
Title: Re: Chase Reconsideration
Post by: bem684 on December 22, 2011, 01:17:41 PM
Information that might be useful:

The denial was for too many recent applications or open accounts.  Since I only have two open accounts, it must be referring to my apps (two in the past six months according to the CSR - but really 5).

I did not offer to close any cards or transfer any credit lines.
Title: Re: Chase Reconsideration
Post by: bem684 on December 22, 2011, 06:17:22 PM
Does anyone know what is actually going on on the other end of the phone when a rep tells you, "Hold on a moment and I'll try to have your application reconsidered"? 

I've often found that it takes anywhere from 30 seconds to 2 or 3 minutes for them to come back on the line with an answer and I have no idea what they did to arrive at that answer.  For instance, I had my Freedom app reconsidered on the phone today and after a minute was told I would get an answer in 2 weeks or less.  Later today I tried for the CO onepass card and after almost 3 minutes on hold I was told they can't approve because of too many credit requests this year, which is exactly why I was denied in the first place on both cards. 

If this is a result of some rigid formula, then how is it possible that a recon can ever come out different than an initial application denial?  And if it's not a straight formula but there is human input involved, can I fight this recon they just did?

One unrelated question.... has anyone ever been told they would not be able to open a new card by transferring credit off an existing account?  I'm just wondering if there are any scenarios where they wouldn't let you do that (assuming you have enough credit on other cards to spare some for the new account).
Title: Re: Chase Reconsideration
Post by: AsherO on December 22, 2011, 06:47:35 PM
Does anyone know what is actually going on on the other end of the phone when a rep tells you, "Hold on a moment and I'll try to have your application reconsidered"? 

I've often found that it takes anywhere from 30 seconds to 2 or 3 minutes for them to come back on the line with an answer and I have no idea what they did to arrive at that answer.  For instance, I had my Freedom app reconsidered on the phone today and after a minute was told I would get an answer in 2 weeks or less.  Later today I tried for the CO onepass card and after almost 3 minutes on hold I was told they can't approve because of too many credit requests this year, which is exactly why I was denied in the first place on both cards. 

If this is a result of some rigid formula, then how is it possible that a recon can ever come out different than an initial application denial?  And if it's not a straight formula but there is human input involved, can I fight this recon they just did?

They review your app and probably have some way of summarizing your credit and other factors which they use to evaluate your app. 'Wait 2 weeks' ostensibly means it requires further review (perhaps by a supervisor?).

You can probably keep asking them to reconsider, though you'd have to make a convincing argument (i.e. ask them to consider something they didn't initially consider).

One unrelated question.... has anyone ever been told they would not be able to open a new card by transferring credit off an existing account?  I'm just wondering if there are any scenarios where they wouldn't let you do that (assuming you have enough credit on other cards to spare some for the new account).

I've been told that. This is what they usually tell people when they repeatedly deny them for too many recent inquiries and/or applications. It basically means even though we won't be extending more credit to you, we're not approving any more apps for you at this time.
Title: Re: Chase Reconsideration
Post by: Red on December 22, 2011, 06:55:41 PM
One unrelated question.... has anyone ever been told they would not be able to open a new card by transferring credit off an existing account?  I'm just wondering if there are any scenarios where they wouldn't let you do that (assuming you have enough credit on other cards to spare some for the new account).

I've been told that. This is what they usually tell people when they repeatedly deny them for too many recent inquiries and/or applications. It basically means even though we won't be extending more credit to you, we're not approving any more apps for you at this time.
+1
Happened to me, I must have called recon about 10 times to no avail.
Title: Re: Chase Reconsideration
Post by: ye on December 22, 2011, 09:03:29 PM
I've been told that. This is what they usually tell people when they repeatedly deny them for too many recent inquiries and/or applications. It basically means even though we won't be extending more credit to you, we're not approving any more apps for you at this time.
I called them 4 times for my wife's IB app and they keep repeating that you need more extensive credit history for this account and they cannot transfer from her (10k) personal line of credit.

Any suggestions?
Title: Re: Chase Reconsideration
Post by: TC610 on December 22, 2011, 09:18:56 PM
I've been told that. This is what they usually tell people when they repeatedly deny them for too many recent inquiries and/or applications. It basically means even though we won't be extending more credit to you, we're not approving any more apps for you at this time.

+1
Happened to me, I must have called recon about 10 times to no avail.

YMMV?  @rd - Did you try the same recon number each time or try the other credit analyst number afterwards?  Application recon didn't like the 3 times I used that reason with them, but the credit analyst people seemed to be okay with it each time.  My denials all were for too many recent inquiries & accounts.
Title: Re: Chase Reconsideration
Post by: AsherO on December 22, 2011, 09:27:17 PM
YMMV?  @rd - Did you try the same recon number each time or try the other credit analyst number afterwards?  Application recon didn't like the 3 times I used that reason with them, but the credit analyst people seemed to be okay with it each time.  My denials all were for too many recent inquiries null accounts.

I like to say recon is always YMMV, at least IMHO.
Title: Re: Chase Reconsideration
Post by: Red on December 23, 2011, 04:14:59 AM
YMMV?  @rd - Did you try the same recon number each time or try the other credit analyst number afterwards?  Application recon didn't like the 3 times I used that reason with them, but the credit analyst people seemed to be okay with it each time.  My denials all were for too many recent inquiries & accounts.

I tried one then the other and then back to the first. After a few days they started to get angry and told me to stop calling because nothing I say will change the fact that I'm not going to get approved. One guy did mention to me that my credit was fine it's just that I had too many recent inquiries and recent accounts with them, and I should wait 6 months and try again. However I did manage to push through a freedom app between all this.
 
This 6 month thing seems to hold water. I did a 3bm for my wife (for the SP, SW and freedom) just outside of 6 months of her getting CO and UA, all I had to do was shut down one of them and no problems.

As you and AsherO just said, and I would have to agree it's all YMMV.
Title: Re: Chase Reconsideration
Post by: spetropo on December 23, 2011, 08:11:00 PM


Chase Denial Question - Had applied for the Sapphire Preferred and United cards.
I received 2 letters, one stated that the Sapphire was approved but with a reduction in credit on my Chase Freedom.
Just got my Sapphire today.

The other letter said that they could not approve the United Card because "not enough time has passed since your last account with us was opened"
I had called chase for another reason and asked the girl to look into this and when she looked up the reference number she said it was still in consideration.

So with that, should I wait or call the number on the denial letter? Should I tell them i can relinquish my CO card since they are merging?
Thanks
S

Edit - Called the Recon number and they told me I had way to much activity on my report so even closing the CO card or reducing credit lines would not help. She basically said to sit tight for a while.


Title: Re: Chase Reconsideration
Post by: Dan on December 24, 2011, 06:47:25 PM
A friend in CLE did a 2BM for CO/Sapphire.  Instant approval for Sapphire, CO was denied.  Recon denied the CO, but after telling credit analyst about the free bag benefit on the CO card it was approved.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 27, 2011, 01:00:23 PM
Did a Chase 3BM on 12/20 - all 3 pending review. My CO annual fee hit on 12/1, so I would need to call recon for my new 3BM by 12/31 in order to use the CO closure as leverage (otherwise I'll just have to close it with nothing to show for it but 68K miles). Problem is, I didn't grab the app IDs.

How long does it typically take to get the denial letters? If I haven't gotten the letters yet by 12/31, can I call recon blindly without the app IDs, or is too risky to bring attention to all 3 at once.
Title: Re: Chase Reconsideration
Post by: AsherO on December 27, 2011, 01:26:59 PM
How long does it typically take to get the denial letters? If I haven't gotten the letters yet by 12/31, can I call recon blindly without the app IDs, or is too risky to bring attention to all 3 at once.

These days it seems even with appIDs Chase sees all your apps, anyone have recent experience to the contrary?
Title: Re: Chase Reconsideration
Post by: bem684 on December 27, 2011, 01:45:38 PM
I recently applied for the CO card and the Freedom card in a 2bm, but was denied on both for too many recent applications.  I called recon for Freedom first since I thought it would be easier and good practice for the harder CO fight (I closed an active CO card 3 months ago so they keep asking why I want to open another one).  They put Freedom through a reconsideration process with a two week wait for an answer. 

Later that same day I called about the CO card and they also put it through recon, but gave me an immediate "no" for that one.  I got a letter in the mail several days later stating that the CO card was denied due to "not enough time has passed since your last account with us was opened".  Should I take that to mean that my Freedom application  was approved?  The most recent account I know I got approved for was in late July or early August.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 28, 2011, 01:52:59 PM
Just called recon for my SW. Got it approved by moving $4K CL over from my BP (who needs $6K for gas?). The rep did mention that you can only get 2 Chase cards per 30 days. Now on to getting the United approved. The card I need to close won't show a balance of $0 til tomorrow - any harm in waiting a day between recon calls?
Title: Re: Chase Reconsideration
Post by: Red on December 28, 2011, 01:57:46 PM
Just called recon for my SW. Got it approved by moving $4K CL over from my BP (who needs $6K for gas?). The rep did mention that you can only get 2 Chase cards per 30 days. Now on to getting the United approved. The card I need to close won't show a balance of $0 til tomorrow - any harm in waiting a day between recon calls?

You can definitely get more than 2 chase cards within 30 days. You can also close a card with a balance on it.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 28, 2011, 02:00:25 PM
You can definitely get more than 2 chase cards within 30 days. You can also close a card with a balance on it.
Not according to "Myra". She said balance must show $0 before they can close it. Clueless rep?
Title: Re: Chase Reconsideration
Post by: AsherO on December 28, 2011, 02:04:55 PM
Not according to "Myra". She said balance must show $0 before they can close it. Clueless rep?

You should be able to close the card, but you'd only be able to move over the available CL.
Title: Re: Chase Reconsideration
Post by: Red on December 28, 2011, 02:05:55 PM
Not according to "Myra". She said balance must show $0 before they can close it. Clueless rep?
I would have to say so, as IIRC I have done it.
Title: Re: Chase Reconsideration
Post by: smurf on December 28, 2011, 02:17:49 PM
I would have to say so, as IIRC I have done it.
You probably reallocated from the available credit.
Title: Re: Chase Reconsideration
Post by: Mocha on December 28, 2011, 02:52:18 PM
When calling for my wife will they need to talk to her to get perm to talk to me?
Title: Re: Chase Reconsideration
Post by: AJK on December 28, 2011, 02:53:55 PM
When calling for my wife will they need to talk to her to get perm to talk to me?

Yes, unless you sound like a woman.
Title: Re: Chase Reconsideration
Post by: Red on December 28, 2011, 02:54:36 PM
When calling for my wife will they need to talk to her to get perm to talk to me?
If you say you are calling for her then yes.
Title: Re: Chase Reconsideration
Post by: Mocha on December 28, 2011, 02:55:02 PM
Yes, unless you sound like a woman.
Snap!
Title: Re: Chase Reconsideration
Post by: AJK on December 28, 2011, 03:00:29 PM
Snap!

:P
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 10:48:22 AM
Applied wife for Sapphire Hyatt and UA. Got instant approval on Sapphire but had to close CO to push through Hyatt (wife's on Diamond trial with match from Hilton Gold.  :D Thanks Dan!)

Gonna hold off on UA because I've heard a lot of chatter about a really attractive offer beginning sometime in Q1 (Wanna be eligible. Which is another reason I didnt care for holding onto CO)
Title: Re: Chase Reconsideration
Post by: smurf on December 29, 2011, 11:34:25 AM
Applied wife for Sapphire Hyatt and UA. Got instant approval on Sapphire but had to close CO to push through Hyatt (wife's on Diamond trial with match from Hilton Gold.  :D Thanks Dan!)

Gonna hold off on UA because I've heard a lot of chatter about a really attractive offer beginning sometime in Q1 (Wanna be eligible. Which is another reason I didnt care for holding onto CO)
got details?
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 11:53:24 AM
got details?
Nope, just a lot of chatter. But it does seem that you need to have applied for the CO before July 17 in order to get the UA bonus.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 29, 2011, 11:56:11 AM
Nope, just a lot of chatter. But it does seem that you need to have applied for the CO before July 17 in order to get the UA bonus.
Huh? Please elaborate, I just got denied for the UA and was planning on closing my CO with recon in order to get the UA opened.
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 12:01:05 PM
Huh? Please elaborate, I just got denied for the UA and was planning on closing my CO with recon in order to get the UA opened.
Wish I could elaborate but I don't know anything about it. All I've read is that the release has been pushed off since September and as of now looks to be sometime in Q1. Not telling you to not push through your app, just saying that I am willing to wait.
Title: Re: Chase Reconsideration
Post by: Dan on December 29, 2011, 12:03:54 PM
I doubt whatever is coming will be any better than the 50K you can match to.
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 29, 2011, 12:42:43 PM
If someone has a CO OPP from before July 2011, is it better to shut it down to remain eligible for any UA offers? Is there a risk the OPP will be converted before its too late?
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 12:44:34 PM
I doubt whatever is coming will be any better than the 50K you can match to.
Wouldn't you say at the very least it should be 50 without an SM?
If someone has a CO OPP from before July 2011, is it better to shut it down to remain eligible for any UA offers? Is there a risk the OPP will be converted before its too late?
Don't see how it can be converted if you close it now
Title: Re: Chase Reconsideration
Post by: Dan on December 29, 2011, 12:45:59 PM
As long as you make new CO/UA accounts it won't make a difference.
Title: Re: Chase Reconsideration
Post by: LAXtraveler on December 29, 2011, 12:48:12 PM
Don't see how it can be converted if you close it now

No, I mean if its not closed. The thing is, if possible, I'd rather have the card open so that I can use it as leverage for the next app cycle, but that cycle isn't due yet so I'd rather not have to close it out earlier.

But, I also want to be sure that there is no way to be excluded from the new UA offerings.

As long as you make new CO/UA accounts it won't make a difference.

How many new accounts can you possibly make... names, addresses, etc?
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 12:48:58 PM
As long as you make new CO/UA accounts it won't make a difference.
Can you elaborate on this please? Is there any risk involved in this at all?
Title: Re: Chase Reconsideration
Post by: Dan on December 29, 2011, 01:31:35 PM
How many new accounts can you possibly make... names, addresses, etc?
Same name and address with CO, but UA needs a new address.

Can you elaborate on this please? Is there any risk involved in this at all?
What sort of risk?  I've done it dozens of times.
Title: Re: Chase Reconsideration
Post by: Mocha on December 29, 2011, 01:40:47 PM
What sort of risk?  I've done it dozens of times.
By risk I mean having them close a mileage account with miles in it because you have two open accounts.
So your saying bank don't correlate SSN's and mileage accounts at all?
Title: Re: Chase Reconsideration
Post by: Shmelly on December 29, 2011, 01:53:42 PM
Is there any reason I shouldn't be closing my CO in favor of the UA?
Title: Re: Chase Reconsideration
Post by: Shmelly on December 29, 2011, 05:47:55 PM
Just closed my CO to open UA. I'm now 4-4 on Recon, all on my 1st try.

When closing a card within the grace period to get back the annual fee, do I need to request the annual fee to be returned, or does it happen automatically?
Title: Re: Chase Reconsideration
Post by: shuirub on December 29, 2011, 08:28:32 PM
What's your secret.  I did the 3BM for the CO, UA and Sapphire cards for myself and got the CO and Sapphire approved right away when they called me to confirm some information.  I called both AppRecon and CreditRecon and both said I just opened 2 cards and the limit is only 2 cards within 30 days.  No go.  What do you tell them?  FYI, I don't bank with Chase so no leverage there.
Title: Re: Chase Reconsideration
Post by: Shmelly on December 30, 2011, 12:29:24 AM
Weird, I only moved over $4k from my BP to open SW, and I now see they removed that $4K from BP but opened my SW with $5K.
What's your secret.
No secret at all. Just followed the guidelines laid out in these forums.
Title: Re: Chase Reconsideration
Post by: AJK on December 30, 2011, 12:30:23 AM
What's your secret.  I did the 3BM for the CO, UA and Sapphire cards for myself and got the CO and Sapphire approved right away when they called me to confirm some information.  I called both AppRecon and CreditRecon and both said I just opened 2 cards and the limit is only 2 cards within 30 days.  No go.  What do you tell them?  FYI, I don't bank with Chase so no leverage there.

I ran into a similar problem. I waited a couple weeks and then called the other number. Got it pushed through that way.
Title: Re: Chase Reconsideration
Post by: Wolf on December 30, 2011, 09:34:21 AM
I just aplied and got the sapphire and business Ink Bold last week, Had only freedom till now,
Do you think I can apply now for the CO or I should rather wait 30 days before i apply,
Is the business also considered by them my second card? or its only if you get 2 personla cc in 30 days?
Title: Re: Chase Reconsideration
Post by: AsherO on December 30, 2011, 10:09:50 AM
I just aplied and got the sapphire and business Ink Bold last week, Had only freedom till now,
Do you think I can apply now for the CO or I should rather wait 30 days before i apply,
Is the business also considered by them my second card? or its only if you get 2 personla cc in 30 days?

If you didn't apply together it'll probably count as a 3rd pull, so you should wait the 30 days.

2 card limit is for personal and biz together, not separate.
Title: Re: Chase Reconsideration
Post by: Wolf on December 30, 2011, 10:17:41 AM
If you didn't apply together it'll probably count as a 3rd pull, so you should wait the 30 days.

2 card limit is for personal and biz together, not separate.
Does it help if I freeze Experian? they are the only one i got pulled from.
Title: Re: Chase Reconsideration
Post by: AsherO on December 30, 2011, 10:21:22 AM
Does it help if I freeze Experian? they are the only one i got pulled from.

Freezing + multiple apps sometimes results in multiple pulls, but for one app it'll work to get Chase to pull from a different bureau. Freeze two bureaus for best results (e.g. EX and RQ). But freezing won't help with Chase's 2-approvals-per-month limit, which they don't always enforce.
Title: Re: Chase Reconsideration
Post by: miles on January 01, 2012, 01:21:38 PM
What sort of risk?  I've done it dozens of times.
CO Fr'd
Title: Re: Chase Reconsideration
Post by: dans fan on January 01, 2012, 01:24:53 PM
CO Fr'd
never heard of that.  co cant fry (they can blacklist). chase could
Title: Re: Chase Reconsideration
Post by: Mocha on January 01, 2012, 01:57:14 PM
never heard of that.  co cant fry (they can blacklist). chase could
Either one isn't cool
Title: Re: Chase Reconsideration
Post by: miles on January 01, 2012, 02:13:37 PM
never heard of that.  co cant fry (they can blacklist). chase could
u name it Fr'd blacklist
Title: Re: Chase Reconsideration
Post by: Dan on January 01, 2012, 02:41:28 PM
CO Fr'd
Based on me doing it dozens of times without any consequence I don't think there's much risk.
Anyway it's not CO that would care, they still get paid, it's Chase, and I haven't had any problems there either.
B"AH.
Title: Re: Chase Reconsideration
Post by: bem684 on January 02, 2012, 04:07:20 PM
So it's been over two weeks since I called recon for my Freedom and CO apps.  For whatever reason, I got TWO additional letters explaining why my CO card was denied.  The first one stated:

Not enough time has passed since your last account with chase was opened. 

The second letter came more than a week later and said that I was denied for the following:

Credit card balances grew too fast compared to credit limit/time on file.
Too many recent requests for credit or reviews of your credit.


Let me reiterate that both of those letters are for the CO card.  That second letter makes sense because I spent about $10k on my Sapphire card last billing cycle and they just cashed my check last week, so the letter was probably sent before they got the payment.

 I have heard nothing about the Freedom app so I called today (twice) to ask about it.  Both reps told me it was still pending.  I am waiting to hear about the Freedom app because I've never had a freedom card and it should be the easier of the two to push through - I'd like to get approved without moving around any credit.  I cancelled my old CO card just a few months ago so they are giving me a harder time about that application.  Once I get approved for Freedom I want to offer to move credit off my Sapphire Preferred to open a CO card, and to do that I "had" to first pay off that $10k charge on Sapphire.

I think it's rather strange that they sent me two letters of rejection when I only requested one reconsideration.  And I'm also a bit troubled by the length of time it is taking to hear back about my Freedom application.
Title: Re: Chase Reconsideration
Post by: arch on January 03, 2012, 05:11:48 PM
I just did a chase 3BM, CO,UN,Sapphire. Got approved on the co, denied on the rest. Called recon, got a really nice girl name Aisha, she swapped some creditand approved BOTH the UN, and Sapphire.
It seemed that the reason everything went smoothly IMHO was because I have over 60k in credit with them, and (again IMHO) the fact that the CSR was female. I always prefer a Female CSR, theyre nicer  :), the men throw the book at you.
 I am going to try to do the same with my wifes 3BM, not to hopefull tho, cuz she doesnt have any previous cards with them.
Title: Re: Chase Reconsideration
Post by: Wolf on January 04, 2012, 12:05:37 PM
I just did a chase 3BM, CO,UN,Sapphire. Got approved on the co, denied on the rest. Called recon, got a really nice girl name Aisha, she swapped some creditand approved BOTH the UN, and Sapphire.
It seemed that the reason everything went smoothly IMHO was because I have over 60k in credit with them, and (again IMHO) the fact that the CSR was female. I always prefer a Female CSR, theyre nicer  :), the men throw the book at you.
 I am going to try to do the same with my wifes 3BM, not to hopefull tho, cuz she doesnt have any previous cards with them.
Let me know if they will approve you wife without recon, becuz i wanna do the same with my wife, she also has no cards with Chase so far.
Title: Re: Chase Reconsideration
Post by: Mocha on January 04, 2012, 12:08:32 PM
I just did a chase 3BM, CO,UN,Sapphire. Got approved on the co, denied on the rest. Called recon, got a really nice girl name Aisha, she swapped some creditand approved BOTH the UN, and Sapphire.
It seemed that the reason everything went smoothly IMHO was because I have over 60k in credit with them.
Be careful there buddy...some people with high credit lines seem to be flagged as risky and are having their accounts closed.
http://forums.dansdeals.com/index.php?topic=11216.0
Title: Re: Chase Reconsideration
Post by: Shmelly on January 04, 2012, 02:37:37 PM
Be careful there buddy...some people with high credit lines seem to be flagged as risky and are having their accounts closed.
http://forums.dansdeals.com/index.php?topic=11216.0
What do you think they consider a high CL? I'm currently at about $60K.
Title: Re: Chase Reconsideration
Post by: arch on January 04, 2012, 03:01:24 PM
Be careful there buddy...some people with high credit lines seem to be flagged as risky and are having their accounts closed.
http://forums.dansdeals.com/index.php?topic=11216.0
Thanks for the tip. I actually use the credit and pay it off all the time, so I dont think they will have a problem with me, But I will try to "tread lightly"
Title: Re: Chase Reconsideration
Post by: arch on January 04, 2012, 03:02:21 PM
Let me know if they will approve you wife without recon, becuz i wanna do the same with my wife, she also has no cards with Chase so far.
Ill keep you posted. I am waiting for her card to come in the mail first.
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 05, 2012, 08:14:49 AM
I just did a chase 3BM, CO,UN,Sapphire. Got approved on the co, denied on the rest. Called recon, got a really nice girl name Aisha, she swapped some creditand approved BOTH the UN, and Sapphire.
It seemed that the reason everything went smoothly IMHO was because I have over 60k in credit with them, and (again IMHO) the fact that the CSR was female. I always prefer a Female CSR, theyre nicer  :), the men throw the book at you.
 I am going to try to do the same with my wifes 3BM, not to hopefull tho, cuz she doesnt have any previous cards with them.

Did the same 3BM last week, was also approved only for the CO. When I called today, he said that they only approve 2 in 30 days, so I took the UA. Now I'm going to call back and hope to get a woman to push through my SP.
Title: Re: Chase Reconsideration
Post by: Wolf on January 05, 2012, 09:23:28 AM
Ill keep you posted. I am waiting for her card to come in the mail first.
Thought you didnt apply for her yet, you said she has no chase cards and you want to do a 3bm.
Title: Re: Chase Reconsideration
Post by: arch on January 05, 2012, 11:49:01 AM
Did the same 3BM last week, was also approved only for the CO. When I called today, he said that they only approve 2 in 30 days, so I took the UA. Now I'm going to call back and hope to get a woman to push through my SP.
+1
Title: Re: Chase Reconsideration
Post by: arch on January 05, 2012, 11:58:44 AM
Did the same 3BM last week, was also approved only for the CO. When I called today, he said that they only approve 2 in 30 days, so I took the UA. Now I'm going to call back and hope to get a woman to push through my SP.
Nashim Daytin Kallos!
Title: Re: Chase Reconsideration
Post by: bem684 on January 05, 2012, 03:26:43 PM
Final update for those who are interested:

Chase Freedom:  Called recon 3 times because app was listed as pending for 3 weeks.  Each time I was told to wait longer.  On the final call the rep said she could try to get an answer for me while I waited.  So I waited.  Then she offered to open the card if I transferred some credit off my Sapphire card, which I did (just the minimum to open the Freedom card - $500).

Chase CO Mastercard:  Called recon at least 5 times (alternated between the two phone numbers and waited days in between calls), got approved on the last time by moving credit over.

That brings my total to 4 chase cards....all of which were opened in the past 12 months :)  I have also shut down two or three chase cards in the past two years.

What I've learned:

After you've called recon 10 or 15 times (I think I've called closer to 20 times in the past two years), you can trust your first impression of the CSR.  I knew within 15 seconds if I was getting a denial on the last few calls.  I also agree with the sentiment that men are much less likely to get your app approved.

And I would add that anyone who answers your call by saying "Hello do you have a reference number...." will probably be harder to work with than one who says "Good morning, my name is Plonit, how can I help you today?" (I'm speaking in generalities of course)
Title: Re: Chase Reconsideration
Post by: arch on January 05, 2012, 04:01:43 PM
From your "plonit" comment, can I assume that women where easier to deal with?
Title: Re: Chase Reconsideration
Post by: bem684 on January 05, 2012, 04:08:01 PM
From your "plonit" comment, can I assume that women where easier to deal with?

You don't have to assume.  I stated it earlier in the post :)
Title: Re: Chase Reconsideration
Post by: miles on January 05, 2012, 06:30:36 PM
i applied for my wife in Nov for 7 cards now all are approved
did a 3BM with chase UA, CO, Marriott 50K, (also did a 2BM in June and all approved) all E's was frozen the CO, approved with first call he told if i want only a 5k CL he can do it with out moving CL UA approved with Moving 1K Marriott approved with closing BA so now 6 open chase cards UA,CO,FREEDOM,MARRIOT, HYATT,SP,  after unfreezing the E's applied for citi TYP 50k HH 40k both approved on the spot and also did Amex SPG, HH Surpass 70k
6 cards thru Dans link one thru offer got in email

p.s. got SM that they will update the CO, and UA, to 50K
Title: Re: Chase Reconsideration - closing account to open account - TWICE!
Post by: Armadillo on January 05, 2012, 09:46:13 PM
I 2bm applied for a final? continental and a priority club card. I already have a United (Nov), British (May) and Sapphire preferred (Nov) open. I called recon and I was told b/c of all the credit inquiries on my experian chase/amex/barclay's they can't reconsider or move credit. Explaining why they were all necessary didn't help. The only way is to close an account and even then that will only help for one application. I had her close the ba and open the continental. I called back a minute later and got the second card opened the same way - I closed my BA card AGAIN! Obviously the system wasn't updated so fast - worth keeping in mind.
Title: Re: Chase Reconsideration - closing account to open account - TWICE!
Post by: AJK on January 05, 2012, 10:03:44 PM
I 2bm applied for a final? continental and a priority club card. I already have a United (Nov), British (May) and Sapphire preferred (Nov) open. I called recon and I was told b/c of all the credit inquiries on my experian chase/amex/barclay's they can't reconsider or move credit. Explaining why they were all necessary didn't help. The only way is to close an account and even then that will only help for one application. I had her close the ba and open the continental. I called back a minute later and got the second card opened the same way - I closed my BA card AGAIN! Obviously the system wasn't updated so fast - worth keeping in mind.

Awe. Some.
Title: Re: Chase Reconsideration
Post by: Dan on January 05, 2012, 10:10:03 PM
Wow!
Title: Re: Chase Reconsideration
Post by: Armadillo on January 05, 2012, 10:19:22 PM
Awe. Some.
Wow!
Blushes and takes a bow ;)
Title: Did a 3 Browser Method with Chase, Got the WEIRDEST response!
Post by: Fefferkorn on January 06, 2012, 12:23:03 AM
The following is a follow up from this thread (http://forums.dansdeals.com/index.php?topic=11962.msg151367#msg151367) just didn't want to divert the topic there...

So, I did the 3 browser method and got the following answers (all different):

Ink Bold: They ask for supporting documents to show that I'm a legit business.
Continental: Too many requests for credit.
Sapphire Credit report shows delinquency or past due balances(!!).

As soon as I got the Sapphire response I quickly checked my credit report and, indeed, I had a negative account from some collection agency for $270 that I unknowingly defaulted on (for more details on the story check this thread (http://forums.dansdeals.com/index.php?topic=12893.new#new). Needless to say I am working to rectify the situation with the negative account.

My questions are:
1)Curious, if I had a negative account, how come Ink and Continental didn't right away answer the same thing as Sappire?

2)Can I still call recon/mail in documents for IB and CO, or being that I, albeit momentarily, have a negative account recon will see that right away and deny me?
Title: Re: Did a 3 Browser Method with Chase, Got the WEIRDEST response!
Post by: elikay on January 06, 2012, 12:30:57 AM
The following is a follow up from this thread (http://forums.dansdeals.com/index.php?topic=11962.msg151367#msg151367) just didn't want to divert the topic there...

So, I did the 3 browser method and got the following answers (all different):

Ink Bold: They ask for supporting documents to show that I'm a legit business.
Continental: Too many requests for credit.
Sapphire Credit report shows delinquency or past due balances(!!).

As soon as I got the Sapphire response I quickly checked my credit report and, indeed, I had a negative account from some collection agency for $270 that I unknowingly defaulted on (for more details on the story check this thread (http://forums.dansdeals.com/index.php?topic=12893.new#new). Needless to say I am working to rectify the situation with the negative account.

My questions are:
1)Curious, if I had a negative account, how come Ink and Continental didn't right away answer the same thing as Sappire?

2)Can I still call recon/mail in documents for IB and CO, or being that I, albeit momentarily, have a negative account recon will see that right away and deny me?

No need to start a new thread, this could have been in one of then many 3bm threads which we already have.
Title: Re: Did a 3 Browser Method with Chase, Got the WEIRDEST response!
Post by: Fefferkorn on January 06, 2012, 12:32:59 AM
This thread is not about the 3BM although it mentions 3BM, thank you.
Title: Re: Chase Reconsideration - closing account to open account - TWICE!
Post by: arch on January 06, 2012, 12:33:43 AM
I 2bm applied for a final? continental and a priority club card. I already have a United (Nov), British (May) and Sapphire preferred (Nov) open. I called recon and I was told b/c of all the credit inquiries on my experian chase/amex/barclay's they can't reconsider or move credit. Explaining why they were all necessary didn't help. The only way is to close an account and even then that will only help for one application. I had her close the ba and open the continental. I called back a minute later and got the second card opened the same way - I closed my BA card AGAIN! Obviously the system wasn't updated so fast - worth keeping in mind.
Quick thinking....Nice!
Title: Re: Did a 3 Browser Method with Chase, Got the WEIRDEST response!
Post by: elikay on January 06, 2012, 12:34:25 AM
This thread is not about the 3BM although it mentions 3BM, thank you.
so then put in chase recon >:(
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 01:23:00 AM
so then put in chase recon >:(
OK, now can you please give me some advice?
Thanks in advance.
Title: Re: Chase Reconsideration
Post by: joey89 on January 06, 2012, 01:56:35 AM
 i did a Aor (http://forums.dansdeals.com/index.php?topic=6355.msg159194#msg159194) and the chase were not instant approval. originally when i called application status it said 2 weeks but only for 2 of the cards, couple days later they both changed to 7/10 days, but still no mention of the third card so i called recon, and apparently all my applications were put on hold b/c i mistakenly entered the wrong ssn and the ssn i entered belonged to someone that had a delinquency with chase.(however when i got the letters one said previous delinquency, one said need more info, and one said to many applications, weird)i was required to send in a copy of my ss card and proof of address. i just checked my chase account and saw that i was approved for the continental :) gonna recon the others tomorrow. so far 4/6 on that aor, hopefully will get more tomorrow.
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on January 06, 2012, 09:53:51 AM
Opened SW x2 and Hyatt in November, got all the SW points and 2 Hyatt nights (+ anniversary night  ;D) and then moved the credit lines over to my BA Card and closed all three maybe 2 weeks ago.  Applied for United and Continental and I only got a rejection letter for the United for some reason.  First rep (male) I spoke to moved $3000 over from the BA credit line and opened the United card, no problem.  Second rep I spoke to (female), and I could hear it in her voice when she picked up, refused to budge saying she just 'didn't feel comfortable' especially because I'd just opened two Citi Cards recently as well.  Third rep (male) said the same thing and said he was able to see the conversation I just had and felt the same way.  Fourth rep (male) didn't question me at all and just moved $2000 over from the BA credit line to open the Continental.  Does anyone know why some reps are able to see what other reps have done/said in previous conversations and others aren't?  One of life's little mysteries.
Title: Re: Chase Reconsideration - closing account to open account - TWICE!
Post by: HelpMe on January 06, 2012, 10:05:55 AM
Obviously the system wasn't updated so fast - worth keeping in mind.
This works when moving CL’s around also.
Title: Re: Chase Reconsideration
Post by: Shmelly on January 06, 2012, 10:06:37 AM
Does anyone know why some reps are able to see what other reps have done/said in previous conversations and others aren't?  One of life's little mysteries.

I may not work in a bank, but there are times where I chip in to help the CS dept by my company. Being in a position of authority, I can confidently give customers free shipping, discounts, etc that one of my regular CSRs would be afraid to. I'm guessing its the same thing at any company - the more seniority/job security/higher position, the more apt they are to give it to you. That's my theory anyway.
Title: Re: Chase Reconsideration
Post by: elikay on January 06, 2012, 10:25:06 AM
@ff
you want to take care of the delinquency before reattempting. You may be able to recon once you show that its paid even if CR hasn't updated yet, not probable though. I doubt you'll be able to do any card before you have that off your CR.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 10:34:46 AM
@ff
you want to take care of the delinquency before reattempting. You may be able to recon once you show that its paid even if CR hasn't updated yet, not probable though. I doubt you'll be able to do any card before you have that off your CR.
So basically you're saying that the recon people actually look into my credit report at the time of calling an do not rely on the inquiry done at the time of application?
Do I have anything to lose by calling?
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 10:36:33 AM
So basically you're saying that the recon people actually look into my credit report at the time of calling an do not rely on the inquiry done at the time of application?
Do I have anything to lose by calling?

...what makes you think that the negative isn't on the initial pull, even if they don't look at the time of calling?

Just because your denial letter didn't mention it doesn't mean it isn't there.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 10:39:34 AM
...what makes you think that the negative isn't on the initial pull, even if they don't look at the time of calling?

Just because your denial letter didn't mention it doesn't mean it isn't there.
Because it should be a "kal vachomer":
Why would they have to resort to a reason of "too many applications for credit" or (in the case of the IB) even agreing to give me the card if I show the proper documentation if there is an outright reason to say a big NO no matter what..
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 10:42:59 AM
Because it should be a "kal vachomer":

That's your first problem.

Why would they have to resort to a reason of "too many applications for credit" or (in the case of the IB) even agreing to give me the card if I show the proper documentation if there is an outright reason to say a big NO no matter what..

I certainly do not know how Chase's computer algorithms insta-evaluate applications, and I doubt you do either. Who's to say the trigger for too many recent apps isnt tripped before even evaluating what actually on your CR?

Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 10:48:22 AM
That's your first problem.

I certainly do not know how Chase's computer algorithms insta-evaluate applications, and I doubt you do either. Who's to say the trigger for too many recent apps isnt tripped before even evaluating what actually on your CR?
I got two (not one) credit inquiries from my 3BM... I would think they looked into me...
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 10:50:07 AM
I got two (not one) credit inquiries from my 3BM... I would think they looked into me...

Why does the fact that you got two (as opposed to one) inquiries have any bearing on this?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 11:28:33 AM
Why does the fact that you got two (as opposed to one) inquiries have any bearing on this?
The fact that I got an inquiry altogether makes me believe that they looked into my CR. As a BY THE WAY, I wrote that being a 3BM and all I got 2 inquiries when supposedly it should have been just one.
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 11:31:56 AM
The fact that I got an inquiry altogether makes me believe that they looked into my CR.

Ah, but you believing does not make it so.

Every time a person applies for new credit, your report gets pulled.

Whether that report is manually reviewed is something else.

As a BY THE WAY, I wrote that being a 3BM and all I got 2 inquiries when supposedly it should have been just one.

Then you need to do more research on what YMMV means.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 12:53:42 PM
Ah, but you believing does not make it so.

Every time a person applies for new credit, your report gets pulled.

Whether that report is manually reviewed is something else.

Then you need to do more research on what YMMV means.
Gotcha.
How much time do I have to call recon, I don't know how long it will take me to fix my credit issue, can I call them months down the line regarding my application? Or am I gonna have to reapply after a certain time period?
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 12:55:47 PM
Officially 30 days, IIRC.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 01:00:16 PM
Officially 30 days, IIRC.
Don't think I will be able to fix my CR by 30 days. Should I specifically NOT call regarding these apps and wait till credit is fixed and reapply? Or can I try to call about my current apps without causing any damage for the future?
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 01:04:47 PM
Don't think I will be able to fix my CR by 30 days.

Nor do I.

Should I specifically NOT call regarding these apps and wait till credit is fixed and reapply? Or can I try to call about my current apps without causing any damage for the future?

I don't think you're going to do any harm by calling. After all, they've already done the pulls, and (presumably) won't pull again.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 06, 2012, 01:48:06 PM
I don't think you're going to do any harm by calling. After all, they've already done the pulls, and (presumably) won't pull again.
I'm mainly referring to damaging my relationship with Chase for the future if I call now. Could that happen?
Title: Re: Chase Reconsideration
Post by: AJK on January 06, 2012, 02:02:56 PM
I'm mainly referring to damaging my relationship with Chase for the future if I call now. Could that happen?

I'm failing to see the basis of your concern. Run me/us through your thought process.
Title: Re: Chase Reconsideration
Post by: joey89 on January 06, 2012, 03:13:57 PM
i did a Aor (http://forums.dansdeals.com/index.php?topic=6355.msg159194#msg159194) and the chase were not instant approval. originally when i called application status it said 2 weeks but only for 2 of the cards, couple days later they both changed to 7/10 days, but still no mention of the third card so i called recon, and apparently all my applications were put on hold b/c i mistakenly entered the wrong ssn and the ssn i entered belonged to someone that had a delinquency with chase.(however when i got the letters one said previous delinquency, one said need more info, and one said to many applications, weird)i was required to send in a copy of my ss card and proof of address. i just checked my chase account and saw that i was approved for the continental :) gonna recon the others tomorrow. so far 4/6 on that aor, hopefully will get more tomorrow.
Update: was succesful with recon for the freedom card :)
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 07, 2012, 07:52:43 PM
Update: was succesful with recon for the freedom card :)
Great! What did you tell them?
Title: Re: Chase Reconsideration
Post by: joey89 on January 07, 2012, 08:24:47 PM
Shifted part of my CL from my SP. told them how I saw all their ads about how great the freedom is so I wanted in.
Title: Re: Chase Reconsideration
Post by: arch on January 07, 2012, 08:30:18 PM
Let me know if they will approve you wife without recon, becuz i wanna do the same with my wife, she also has no cards with Chase so far.
The wife got approved for CO without recon. I called recon and got her approved for UN by using 5k of the 20k from her CO card. They would not approve Sapphire, saying "Ill be honest sir, were not going to approve 3 cards". I told her to forget the Sapphire and did not give the conf. #. I then called back again, and tried again with a diff CSR. She looked at my accnt, and DID NOT see that 5k was pulled from the CO card. She said it prob. would work, put me on hold, and then said that she sees 2 recent approvals, so she cant approve the a 3rd card. Does anyone know if I should try again? What should be my next step?
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on January 07, 2012, 10:47:09 PM
What should be my next step?
Try, try again.  It rarely takes me less than 4 or 5 calls to get a 3bm fully approved.  Something that's worked for me in the past is to say you run your own small business (ebay selling, tutoring, etc.) and that you're going to use the sapphire for business and the other 2 were personal.  Good luck!
Title: Re: Chase Reconsideration
Post by: arch on January 07, 2012, 11:09:29 PM
Should I wait a day or 2? Or just do it 1 after another?
Title: Re: Chase Reconsideration
Post by: AsherO on January 07, 2012, 11:25:08 PM
Should I wait a day or 2? Or just do it 1 after another?

I'm not sure waiting serves any purpose, what's your rationale for waiting?
Title: Re: Chase Reconsideration
Post by: arch on January 07, 2012, 11:59:20 PM
I'm not sure waiting serves any purpose, what's your rationale for waiting?
if they see the previuos calls, maybe they can see the time of day as well. It might tick them off? Just wondering...
Title: Re: Chase Reconsideration
Post by: AsherO on January 08, 2012, 12:59:11 AM
if they see the previuos calls, maybe they can see the time of day as well. It might tick them off? Just wondering...

If you have a 'valid' reason for applying for the other card as well, there's no reason you wouldn't be calling for one after the other.
Title: Re: Chase Reconsideration
Post by: arch on January 08, 2012, 01:17:52 AM
If you have a 'valid' reason for applying for the other card as well, there's no reason you wouldn't be calling for one after the other.
gotcha! Im gonna try in the am. They're closed now . Thanks!
Title: Re: Chase Reconsideration
Post by: solro on January 08, 2012, 09:39:26 PM
hi i applied for my wife for the sapphire , didn't get approved :( so i called recon. they told me they could shift credit but they have too send it back too a different department to approve it  and i will get a answer between 7-10 business days ,Should i keep on calling them??

Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 01:04:03 AM
Question, I will be calling recon about SP and CO. Can I talk about both cards on the same phonecall or once I get approved for the 1st I should hang up and call again?
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 01:05:41 AM
I've gotten a nice agent to approve two in one call.
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on January 09, 2012, 01:11:12 AM
I hate to sound like an amora arguing on a tanna (if such a thing were possible), but I have to disagree with AJK especially considering the problem you mentioned on your credit report.  I always hang up and call again right after, hopefully before they have a chance to update the system, and I've yet to get turned down.  Never tried two cards though in one call so can't speak to that.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 01:33:37 AM
considering the problem you mentioned on your credit report.
This time I will be calling for my wife. She got two denials and got approved for IB.
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 01:46:29 AM
I hate to sound like an amora arguing on a tanna (if such a thing were possible), but I have to disagree with AJK especially considering the problem you mentioned on your credit report.  I always hang up and call again right after, hopefully before they have a chance to update the system, and I've yet to get turned down.  Never tried two cards though in one call so can't speak to that.

I wasn't advocating one approach over the other, nor did I understand his post to be asking for advice on that score.

His question was "Can I talk about both cards on the same phone call..."

My answer was, yes, it is possible. I have done it.
Title: Re: Chase Reconsideration
Post by: AsherO on January 09, 2012, 02:05:28 AM
I hate to sound like an amora arguing on a tanna (if such a thing were possible), but I have to disagree with AJK especially considering the problem you mentioned on your credit report.  I always hang up and call again right after, hopefully before they have a chance to update the system, and I've yet to get turned down.  Never tried two cards though in one call so can't speak to that.

You've been on this site for longer than he has :P
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 02:16:01 AM
Indeed. Join date/post count should not stifle your opinion.

...or in some cases encourage it.
Title: Re: Chase Reconsideration
Post by: AsherO on January 09, 2012, 02:24:31 AM
Indeed. Join date/post count should not stifle your opinion.

Correct, which is why some members here with 1000s of posts are still n00bs in my eyes.
Title: Re: Chase Reconsideration
Post by: HelpMe on January 09, 2012, 02:28:04 AM
Correct, which is why some members here with 1000s of posts are still n00bs in my eyes.
Now that is funny!
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 02:28:43 AM
Correct, which is why some members here with 1000s of posts are still n00bs in my eyes.

Such hateful words you spew (http://en.wikipedia.org/wiki/Psychological_projection).
Title: Re: Chase Reconsideration
Post by: AsherO on January 09, 2012, 02:35:26 AM
Such hateful words you spew (http://en.wikipedia.org/wiki/Psychological_projection).

I don't have newbies, I hate n00bs. I especially hate n00bs who don't mature.

At least I'm not the only one (http://forums.dansdeals.com/index.php?topic=7346.msg126797#msg126797) who thinks so.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 02:40:08 AM
I already spent like $8000 on my wife's brand new IB, should I pay it off before calling chase for her CO and SP or it doesn't make a difference?
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 02:45:29 AM
....I especially hate n00bs who don't mature that even with my eleven thousand posts people don't just agree with everything I say. Just shocking.

#wishIhadmorecontrol

#maybewhenIreach20000?


ftfy
Title: Re: Chase Reconsideration
Post by: AsherO on January 09, 2012, 03:07:17 AM
ftfy

You've clearly missed my point, if that's what I wanted to say, it'd say it. I posted this only a few days after you joined, maybe (albeit doubtful) it'll help you understand my point:

If you're posting just to inflate your post count, trust me, it gets boring very quickly. For me it's more about the community (I was the first to mention the 100k Sapphire bonus on DDF), and (aside from the n00b annoyances) there's always more to share.

And this subsequent post in the same thread:

IMHO n00bism is more about netiquette (lack thereof actually) rather than post count.

Or maybe this post will help clarify my position:

Newbies learn, n00bs never mature and often morph into leaches or trolls (IMHO).

Oh, and the value you place on post counts (you have the highest daily average on this site, by far) is a total n00bism.
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 03:12:51 AM
A+ work, really.

You work that DDF search bar like a red-headed step child.

#standingO

P.S. Your not a readhead are you? ;)
Title: Re: Chase Reconsideration
Post by: YankyDoodle on January 09, 2012, 09:14:32 AM
A+ work, really.

You work that DDF search bar like a red-headed step child.

#standingO

P.S. Your not a readhead are you? ;)

Classic deflection (http://www.internet-of-the-mind.com/gestalt_psychology.html). You seem to employ that technique alot. Not trying to tag team here, just wanted to point that out. I'm not going to quote every occurence (Cbs maybe?) but I would venture to say that you deflect your critics (generally) reasonable points well over 50% of the time.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 09:47:27 AM
I already spent like $8000 on my wife's brand new IB, should I pay it off before calling chase recon for her CO and SP or it doesn't make a difference?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 10:35:02 AM
I already spent like $8000 on my wife's brand new IB, should I pay it off before calling chase recon for her CO and SP or it doesn't make a difference?
IT DID NOT MATTER!!
This is how it went:
Called first about CO and she kept on saying I had too much new credit with Chase in the past 12 months (BA and IB) so she ultimately said if I close down BA she can replace it for CO which I did. Before I did that I brought up my SP application and she said they can't open so many accounts, and I said I'm only asking for the current CL to be split be she wouldn't budge.
Hung up, called again within a minute about SP and the guy right away offered to move some cl from the BA into SP so I did and he said the card is on the way!!

My only concern is that since the CO didn't show in the system by the 2nd phonecall and the guy moved from BA which was nonexistent by the time of the 2nd phonecall, will there be an issue here or will the credit come off the CO no problem?
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 11:02:34 AM
Classic deflection (http://www.internet-of-the-mind.com/gestalt_psychology.html). You seem to employ that technique alot. Not trying to tag team here, just wanted to point that out. I'm not going to quote every occurence (Cbs maybe?) but I would venture to say that you deflect your critics (generally) reasonable points well over 50% of the time.

Thanks for the contribution. I'm truly sorry I could not satiate your (apparent) sadistic need for me to directly respond point by point to every mention of the word n00b on DDF since time immemorial for your morning's continued entertainment. I don't know who you are, and frankly I don't care, but if you were chomping at the bit waiting for that, there are likely larger issues at play.

Now, sir, please return from whence you came: Asher0's coattails.
Title: Re: Chase Reconsideration
Post by: YankyDoodle on January 09, 2012, 11:16:23 AM
Thanks for the contribution. I'm truly sorry I could not satiate your (apparent) sadistic need for me to directly respond point by point to every mention of the word n00b on DDF since time immemorial for your morning's continued entertainment. I don't know who you are, and frankly I don't care, but if you were chomping at the bit waiting for that, there are likely larger issues at play.

Now, sir, please return from whence you came: Asher0's coattails.

Yup, you would truly make a great case study.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 11:25:56 AM
IT DID NOT MATTER!!
This is how it went:
Called first about CO and she kept on saying I had too much new credit with Chase in the past 12 months (BA and IB) so she ultimately said if I close down BA she can replace it for CO which I did. Before I did that I brought up my SP application and she said they can't open so many accounts, and I said I'm only asking for the current CL to be split be she wouldn't budge.
Hung up, called again within a minute about SP and the guy right away offered to move some cl from the BA into SP so I did and he said the card is on the way!!

My only concern is that since the CO didn't show in the system by the 2nd phonecall and the guy moved from BA which was nonexistent by the time of the 2nd phonecall, will there be an issue here or will the credit come off the CO no problem?
Update: I can already see online that the BA cl was cut in half and card was closed. Does that mean that everything is ok???
Title: Re: Chase Reconsideration
Post by: Lamdan on January 09, 2012, 02:03:31 PM
I've made hundreds of dollars off of both AJK and AsherO's posts. You've both helped many people make lots of $. that's the main thing. SHALOM!!
Title: Re: Chase Reconsideration
Post by: arch on January 09, 2012, 04:27:35 PM
I've made hundreds of dollars off of both AJK and AsherO's posts. You've both helped many people make lots of $. that's the main thing. SHALOM!!
Ive made thousands...... Thank you both, (and Dan too while im at it)
Title: Re: Chase Reconsideration
Post by: AJK on January 09, 2012, 04:39:06 PM
I've made hundreds of dollars off of both AJK and AsherO's posts. You've both helped many people make lots of $. that's the main thing. SHALOM!!

Ive made thousands...... Thank you both, (and Dan too while im at it)

Much appreciated, guys.
Title: Re: Chase Reconsideration
Post by: twentie4hrs on January 09, 2012, 04:40:31 PM
Much appreciated, guys.
+1
Title: Re: Chase Reconsideration
Post by: Steven on January 09, 2012, 06:07:00 PM
+1
Srry for my ignorance, but you +1 on his your welcome? or did you mean to also thank them (I think you meant the later, but im not sure if thats what a +1 would mean? yes Ive seen the thread about +1)
Title: Re: Chase Reconsideration
Post by: Cbs on January 09, 2012, 06:30:31 PM
Correct, which is why some members here with 1000s of posts are still n00bs in my eyes.
there arent too many members that have 1000s of posts, so "some" is a nice few of them which is close to all (if u get what im saying)

A+ work, really.

You work that DDF search bar like a red-headed step child.

#standingO

P.S. Your not a readhead are you? ;)
ive never really paid attention to your join date, but now that someone mentioned it, wow! you're one talented man. so many post in just a few months. and i would think that someone that has so many posts would know how to use the search bar inside out, but maybe not because your too busy posting :P

You seem to employ that technique alot. Not trying to tag team here, just wanted to point that out. I'm not going to quote every occurence (Cbs maybe?) but I would venture to say that you deflect your critics (generally) reasonable points well over 50% of the time.
ill pass, but thanx for the offer ;)


Title: Re: Chase Reconsideration
Post by: twentie4hrs on January 09, 2012, 09:25:46 PM
Srry for my ignorance, but you +1 on his your welcome? or did you mean to also thank them (I think you meant the later, but im not sure if thats what a +1 would mean? yes Ive seen the thread about +1)

To thank them
Title: Re: Chase Reconsideration
Post by: dans fan on January 09, 2012, 10:55:40 PM
I don't have newbies, I hate n00bs. I especially hate n00bs who don't mature.

At least I'm not the only one (http://forums.dansdeals.com/index.php?topic=7346.msg126797#msg126797) who thinks so.
i didnt change my mind since then and the 3000 posts since then just proved i was right. (although most of his posts belong in "general discussion") go ahead ajk shoot away
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 09, 2012, 11:17:49 PM
Let's get back into topic guys:
Called first about CO and she kept on saying I had too much new credit with Chase in the past 12 months (BA and IB) so she ultimately said if I close down BA she can replace it for CO which I did. Before I did that I brought up my SP application and she said they can't open so many accounts, and I said I'm only asking for the current CL to be split be she wouldn't budge.
Hung up, called again within a minute about SP and the guy right away offered to move some cl from the BA into SP so I did and he said the card is on the way!!

My only concern is that since the CO didn't show in the system by the 2nd phonecall and the guy moved from BA which was nonexistent by the time of the 2nd phonecall, will there be an issue here or will the credit come off the CO no problem?
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 05:53:10 AM
Let's get back into topic guys:
Called first about CO and she kept on saying I had too much new credit with Chase in the past 12 months (BA and IB)

Is that the one from your 3BM?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 09:10:09 AM
Is that the one from your 3BM?
Yes, but on my wife's name. She doesn't have this issue (http://forums.dansdeals.com/index.php?topic=12893.msg167238#msg167238).
For myself (http://forums.dansdeals.com/index.php?topic=8398.msg167237#msg167237) on the other hand, I will be calling one of these days about my CONTINENTAL card and see if I can slip by...
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 09:55:08 AM
Yes, but on my wife's name. She doesn't have this issue (http://forums.dansdeals.com/index.php?topic=12893.msg167238#msg167238).
For myself (http://forums.dansdeals.com/index.php?topic=8398.msg167237#msg167237) on the other hand, I will be calling one of these days about my CONTINENTAL card and see if I can slip by...

Good luck. I've called numerous times in the last few days to try and get my SP through with no luck. They all give me the same "Max of 2 cards in 30 days" shpiel.

Has anyone had luck in the last couple of weeks to get 3 cards approved within 30 days?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 10:22:51 AM
Good luck. I've called numerous times in the last few days to try and get my SP through with no luck. They all give me the same "Max of 2 cards in 30 days" shpiel.

Has anyone had luck in the last couple of weeks to get 3 cards approved within 30 days?
If my concern is invalid, me. (http://forums.dansdeals.com/index.php?topic=8398.msg168896#msg168896)
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 10:33:43 AM
If my concern is invalid, me. (http://forums.dansdeals.com/index.php?topic=8398.msg168896#msg168896)

Have you tried calling the automated application status number?
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 10:48:30 AM
If my concern is invalid, me. (http://forums.dansdeals.com/index.php?topic=8398.msg168896#msg168896)

So basically, because the agent didn't see that the CO was approved (if it was), he pushed through the SP. Does that mean, that the only way to get a third card approved is to try before the second shows on the system as approved?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 10:51:55 AM
Have you tried calling the automated application status number?
I haven't, Don't have the number...
I was told though, that I am approved both times.
Again my only concern is that when I called to push SP through, the rep. moved part of the cl from a card (BA) that was already closed and converted into a different card (CO).
As I wrote yesterday, I can already see my BA cl cut in half and account closed..
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 10:53:52 AM
So basically, because the agent didn't see that the CO was approved (if it was), he pushed through the SP. Does that mean, that the only way to get a third card approved is to try before the second shows on the system as approved?
The CO was forsure approved, closed down the BA and converted. But I'm scared that my 2nd phonecall which took place within a minute of the fist might have messed up what I accomplished in the 1st and maybe even messed up my 2nd too...
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 10:55:16 AM
So basically, because the agent didn't see that the CO was approved (if it was), he pushed through the SP. Does that mean, that the only way to get a third card approved is to try before the second shows on the system as approved?

They have a 2-per-month limit which you have to somehow circumvent, or find a recon agent that isn't enforcing it.


I haven't, Don't have the number...
I was told though, that I am approved both times.
Again my only concern is that when I called to push SP through, the rep. moved part of the cl from a card (BA) that was already closed and converted into a different card (CO).
As I wrote yesterday, I can already see my BA cl cut in half and account closed..

I clicked on the post you linked to and understood the situation the first time, that's why I'm asking what the automated spp status system is saying for your cards. Here's the number:

Chase: 800-432-3117 (Application status)
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:04:51 AM
I clicked on the post you linked to and understood the situation the first time, that's why I'm asking what the automated spp status system is saying for your cards. Here's the number:
Just called. "There are no applications on file in the past 30 days for the SSN entered" was the response.
Inaccurate? Cuz I did get the IB..
Title: Re: Chase Reconsideration
Post by: Mocha on January 10, 2012, 11:09:04 AM
Did 3bm for SP UA and Hyatt.

SP - instant approval
Hyatt - pushed through by transferring credit (closing) from open CO
UA - don't want to approve because already approved 2 within 30 days

I tried explaining that one wasn't new, it was merely transferring credit from an existing account. No go.
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 11:14:28 AM
The CO was forsure approved, closed down the BA and converted. But I'm scared that my 2nd phonecall which took place within a minute of the fist might have messed up what I accomplished in the 1st and maybe even messed up my 2nd too...

I'm a little lost here. Just to clear things up-

You applied for CO, SP & IB.
You were approved for IB.
You called about CO and moved closed BA in order to push through CO.
You then called about SP and CSR moved CL from (closed) BA without mentioning 2 app/30 day rule.

Am I correct?
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 11:15:47 AM
UA - don't want to approve because already approved 2 within 30 days

I tried explaining that one wasn't new, it was merely transferring credit from an existing account. No go.

Is this the end of 3BM? Or is it just very YMMV?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:15:58 AM
Just called. "There are no applications on file in the past 30 days for the SSN entered" was the response.
Inaccurate? Cuz I did get the IB..
Actually I just realized it might have been more than 30 days since I did the 3BM, although their letters went out on Dec 11.
Any other way to find out without talking to a human?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:16:42 AM
I'm a little lost here. Just to clear things up-

You applied for CO, SP & IB.
You were approved for IB.
You called about CO and moved closed BA in order to push through CO.
You then called about SP and CSR moved CL from (closed) BA without mentioning 2 app/30 day rule.

Am I correct?
100% correct.
And then I logged into my Chase and saw that BA shows as closed and cl cut in half.
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 11:21:19 AM
Is this the end of 3BM? Or is it just very YMMV?

Methinks it's still possible, but perhaps it shouldn't be recommended to the faint of heart. Note that we're only talking about Chase, and AFAIK it still works with Citi/Amex (with the usual YMMV disclaimer for 2/3BMs).

Actually I just realized it might have been more than 30 days since I did the 3BM, although their letters went out on Dec 11.
Any other way to find out without talking to a human?

It must be 30 days, otherwise it'd tell you they're pending. I don't think there's a way to find out, besides for monitoring your mailbox and seeing what goodies the postman brings :)
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 11:23:25 AM
3BMs are always YMMV.  They take persistence, convincing arguments, and calling the various different recon numbers.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:23:30 AM
It must be 30 days, otherwise it'd tell you they're pending. I don't think there's a way to find out, besides for monitoring your mailbox and seeing what goodies the postman brings :)
Typically how long does it take to arrive in 11213?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:25:08 AM
3BMs are always YMMV.  They take persistence, convincing arguments, and calling the various different recon numbers.
Hey Dan! Can you provide your expertise on this (http://forums.dansdeals.com/index.php?topic=8398.msg168896#msg168896)?
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 11:26:02 AM
Hey Dan! Can you provide your expertise on this (http://forums.dansdeals.com/index.php?topic=8398.msg168896#msg168896)?
Savlanut.
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 11:26:45 AM
Typically how long does it take to arrive in 11213?

IME sometimes it takes a while (>2 weeks).
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:29:10 AM
IME sometimes it takes a while (>2 weeks).
I'm an optimist  ;)
What's the least it ever took? This question is to everyone.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:29:44 AM
Savlanut.
Oh yes, very important component in life  :)
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 11:31:06 AM
3BMs are always YMMV.  They take persistence, convincing arguments, and calling the various different recon numbers.
Note I said very YMMV, as opposed to the bit of nudging they used to take. Many people are getting the same (2app/30day) excuse now, which seems to be a new thing. I've spoken to numerous reps, and they won't budge.
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 11:33:34 AM
It must be 30 days, otherwise it'd tell you they're pending. I don't think there's a way to find out, besides for monitoring your mailbox and seeing what goodies the postman brings :)

New accounts usually show up online before the card arrives, if you have an existing online account.
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 11:34:43 AM
Note I said very YMMV, as opposed to the bit of nudging they used to take. Many people are getting the same (2app/30day) excuse now, which seems to be a new thing. I've spoken to numerous reps, and they won't budge.
They've always given excuses like that.  If you have a good reason to have the card I bet you can push it through by trying the various numbers.  Persistence pays off.
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 11:35:59 AM
New accounts usually show up online before the card arrives, if you have an existing online account.

Right, but only if they're linked to the right Chase login. I recently had a (business) card that didn't show up online, Chase had me create a separate login so they can merge the two ::)

They've always given excuses like that.  If you have a good reason to have the card I bet you can push it through by trying the various numbers.  Persistence pays off.

How much are you betting? :P
Title: Re: Chase Reconsideration
Post by: Shmelly on January 10, 2012, 11:39:44 AM
Does the 30 days for recon start at the time of application, or from the date of the denial letter?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:40:30 AM
Right, but only if they're linked to the right Chase login. I recently had a (business) card that didn't show up online, Chase had me create a separate login so they can merge the two ::)
Yes, I recently had that done with the IB.
But wouldn't the CO show since in essence it's the BA turned into CO?
How much are you betting? :P
Oh no! Not again!
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 11:43:39 AM
Yes, I recently had that done with the IB.
But wouldn't the CO show since in essence it's the BA turned into CO?

We don't know what you got approved for, but if you have a Chase login I'd monitor that as well.

Oh no! Not again!

IKR?

If Dan's actually willing to bet then it's win-win for Chaim'l, either he wins the bet or he gets approved :)
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:48:57 AM
IKR?

If Dan's actually willing to bet then it's win-win for Chaim'l, either he wins the bet or he gets approved :)
LOL
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 11:49:26 AM
If Dan's actually willing to bet then it's win-win for Chaim'l, either he wins the bet or he gets approved :)
I'm done with betting, but thanks.
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 11:51:39 AM
Right, but only if they're linked to the right Chase login. I recently had a (business) card that didn't show up online, Chase had me create a separate login so they can merge the two ::)
Yes, I recently had that done with the IB.

Business cards usually have separate logins, but the CO should show.

If Dan's actually willing to bet then it's win-win for Chaim'l, either he wins the bet or he gets approved :)

Till when could I back out? ;)
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:52:54 AM
Does the 30 days for recon start at the time of application, or from the date of the denial letter?
Very good question. Although not 100% sure (more like 80%), I think from the letter date, but best is not to delay and even if 30 days have passed (even from letter) to try anyway.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 10, 2012, 11:53:58 AM
Business cards usually have separate logins, but the CO should show.
Co not showing, just checked again   :(
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 12:10:35 PM
I'm done with betting, but thanks.

You're the one who offered it :P

AJK ruined it for us all  :'( I was really looking forward to DDF poker.
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 12:11:57 PM
Business cards usually have separate logins, but the CO should show.

At least it's not like Citi where they make it (virtually?) impossible to combine personal and business cards on one login.
Title: for us, addicted applyers
Post by: yoav on January 10, 2012, 02:35:19 PM
How about a list of CCs made especially for ppl with bad/low/fair credit history? (but good rewards) Since most of us had too much pulls and denials, it would be greatly appreciated...
Title: Re: Chase Reconsideration
Post by: HelpMe on January 10, 2012, 02:47:33 PM
I was really looking forward to DDF poker.
Count ME in!!!
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 10, 2012, 02:50:08 PM
How about a list of CCs made especially for ppl with bad/low/fair credit history? (but good rewards) Since most of us had too much pulls and denials, it would be greatly appreciated...

Welcome to the forums!

You might want to try searching the forums before posting. Your question has been discussed here (http://forums.dansdeals.com/index.php?topic=5423) and here (http://forums.dansdeals.com/index.php?topic=3927) amongst others.

Also note, you replied to a thread on a totally different subject. To start a new thread, click on "New Topic" on the top right-hand side of the thread index page.
Title: Chase Reconsideration
Post by: bubbles on January 10, 2012, 02:51:05 PM
Count ME in!!!

+1

should we move this over to the DO thread? :)
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 03:32:11 PM
Count ME in!!!

What's DDF poker without Dan?

For the record, I don't play poker for money, so I'll only come play if there's no buy-in.
Title: Re: Chase Reconsideration
Post by: bubbles on January 10, 2012, 03:36:21 PM
What's DDF poker without Dan?

For the record, I don't play poker for money, so I'll only come play if there's no buy-in.

in other words


For the record, I don't play poker for money, so I'll only come play if there's no buy-in.
Title: Re: Chase Reconsideration
Post by: AJK on January 10, 2012, 03:38:02 PM
+1

Bubbles - you play?
Title: Chase Reconsideration
Post by: bubbles on January 10, 2012, 03:38:59 PM
+1

Bubbles - you play?

Back in day yeah :).  It's been awhile though
Title: Re: Chase Reconsideration
Post by: AJK on January 10, 2012, 03:40:07 PM
Back in day yeah :).  It's been awhile though

Yeah, for me, too. In college, I'd go down to AC sometimes twice a week.

Where'd you play? What limits?
Title: Re: Chase Reconsideration
Post by: bubbles on January 10, 2012, 03:45:24 PM
Yeah, for me, too. In college, I'd go down to AC sometimes twice a week.

Where'd you play? What limits?

i was about to edit that i stuck to mostly home games though. Strictly NL. Usually around $100 buy ins with 1/2 blinds depending on the night.
Title: Re: Chase Reconsideration
Post by: AJK on January 10, 2012, 03:47:35 PM
i was about to edit that i stuck to mostly home games though. Strictly NL. Usually around $100 buy ins with 1/2 blinds depending on the night.

Safer that way :P
Title: Re: Chase Reconsideration
Post by: bubbles on January 10, 2012, 03:55:12 PM
Safer that way :P

yup never lost too much in a night (was able to control myself to stop after losing a few buy ins) and had some good nights that more then made up for it  ;D

how bout you?
Title: Re: Chase Reconsideration
Post by: Cbs on January 10, 2012, 03:59:26 PM
im in! ive got much experience from Zynga Poker ;) (and some real games as well)
Title: Re: Chase Reconsideration
Post by: AJK on January 10, 2012, 04:01:51 PM
yup never lost too much in a night (was able to control myself to stop after losing a few buy ins) and had some good nights that more then made up for it  ;D

how bout you?

I often played in Borgata. Won a couple pretty big tournaments (you can PM for more info if you're interested). Before I stopped playing pretty consistently, I was sitting at 5/10 and 10/25 NL.
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 04:04:17 PM
im in! ive got much experience from Zynga Poker ;) (and some real games as well)

I've given up on Zynga, I feel like their odds are weird and people bluff too much and are always going all-in with nothing.
Title: Re: Chase Reconsideration
Post by: Saver2000 on January 10, 2012, 04:06:18 PM
May I suggest that you guys start a new thread. . .
Thanx
Title: Re: Chase Reconsideration
Post by: Red on January 10, 2012, 04:08:55 PM
So while the last few posts are moved over to a new DDF Poker thread.....   ::)


I currently have a Chase SP visa and tried to get a SP WMC. I applied via Dan's link which is also for visa, figuring I can either get the app. switched to a MC or switch my current card to a MC. Apparently I was wrong on both accounts as existing accounts can only be switched after having the card for a year (anyone have a different experience?) and an app. cannot be switched from visa to MC (anyone have a different experience with this one?).
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 04:57:25 PM
So while the last few posts are moved over to a new DDF Poker thread.....   ::)


I currently have a Chase SP visa and tried to get a SP WMC. I applied via Dan's link which is also for visa, figuring I can either get the app. switched to a MC or switch my current card to a MC. Apparently I was wrong on both accounts as existing accounts can only be switched after having the card for a year (anyone have a different experience?) and an app. cannot be switched from visa to MC (anyone have a different experience with this one?).
I switched mine after just a few months from Visa to MC.
YMMV.
Title: Re: Chase Reconsideration
Post by: Dan on January 10, 2012, 04:58:45 PM
For the record, I don't play poker for money, so I'll only come play if there's no buy-in.
In CLE the young couples have a had a couple hold-em games with small buy ins and the winner chooses the charity where the pot goes to. 
Title: Re: Chase Reconsideration
Post by: Red on January 10, 2012, 05:04:00 PM
I switched mine after just a few months from Visa to MC.
YMMV.
I spoke with a senior rep. who told me he's going to work on it for me. Hopefully it goes through within a few days so I can still recon this app.
Title: Re: Chase Reconsideration
Post by: YankyDoodle on January 10, 2012, 07:07:34 PM
Late Nov - Dec. I did 3BM, swapped BA for SW, CO for UA and was surprised when after all that the Ink Bold just showed up without needing recon! 3BM lives on in my book. (each swap was done successfully on their respective first calls)
Title: Re: Chase Reconsideration
Post by: Cbs on January 10, 2012, 08:06:14 PM
I think I've seen this recently posted here but I can't pinpoint it: if I do 3bm and get denied 2 or even all, is it better to talk to the same CSR about all cards to recon. Or a separate phone call for each, and if I speak to one person about all and they deny the recon, do they document that I called for it and got denied?
Title: Re: Chase Reconsideration
Post by: AsherO on January 10, 2012, 11:38:25 PM
In CLE the young couples have a had a couple hold-em games with small buy ins and the winner chooses the charity where the pot goes to. 

מצוה הבאה בעבירה  :o

/kidding
Title: Re: Chase Reconsideration
Post by: arch on January 10, 2012, 11:42:26 PM
מצוה הבאה בעבירה  :o

/kidding
+1
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 11, 2012, 11:29:26 AM
Savlanut.
Update about this (http://forums.dansdeals.com/index.php?topic=8398.msg168386#msg168386):
Just logged into my wife's Chase account and I can already see the CO and SP and....GET THIS... the BA was replaced by CO with the full CL (20K) and in addition I got a new 10K CL on the SP!!!!!!!!!!
Whoohoooooooooooooooooooooo.
Title: Re: Chase Reconsideration
Post by: ChAiM'l on January 11, 2012, 11:40:05 AM
Update about this (http://forums.dansdeals.com/index.php?topic=8398.msg168386#msg168386):
Just logged into my wife's Chase account and I can already see the CO and SP and....GET THIS... the BA was replaced by CO with the full CL (20K) and in addition I got a new 10K CL on the SP!!!!!!!!!!
Whoohoooooooooooooooooooooo.

Good for you!
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 11, 2012, 12:03:22 PM
AWESOME STORY! RECON ROCKS!!!

This might be a bit long but I assure you you won't get bored:

Just a short recap: I did this 3BM (http://forums.dansdeals.com/index.php?topic=8398.msg167237#msg167237) and had this issue (http://forums.dansdeals.com/index.php?topic=12893.msg167238#msg167238)...

So I figured I'll give it a shot and half-heartedly called recon. I called about the CO card since 1)I got a pretty "neutral" response to it considering the circumstances. 2)It won't be around soon.
After asking my about my income (which I said 80K), and line of work, she proceeded to grill me about the delinquency that I have. I told her it was all a big accident and that I paid it last week (not) and that for some reason it doesn't show paid yet. She agreed to give me 5K of my 20K BA CL towards it and I just asked for her to split it in half 10K and 10K, and she approved it.
That boosted my confidence so I tried to push for the SP (the one I got the delinquency response for) on the same phonecall, first she started with excuses about giving to many new cards but after I nudged she did agree to put me on hold and see but ultimately she said they need to see some usage history before they can approve me.

My thumb went straight from the red button on my cell to the green button within a second and I was on the phone again about the SP, was told that I wrote 180K (not 80K) on my application and asked if that's still current, asked about my line of work, asked about the delinquency, repeated the same excuse.
She now offered to either close down a (very old) PC card with 5K CL and replace it with SP. I counter offered to take 5K from my BA to which she agreed...
...Than she came back on the line and said that 10K was just taken from it for the CO and since I currently have a balance of about 8-9K on the BA I don't have 5K available for the SP unless I close my PC which I didn't want to do (the 10K on CO were in "frozen" state since that was processing). I felt like kicking myself for not accepting just the "plain Jane 5K" the previous rep had offered me to move to CO!!
I asked her to extend me an additional 5K and she wouldn't budge, she mentioned all the CL I have from different banks and said Chase is one of the highest etc..
She also asked me why I didn't talk to the previous rep about the SP and I said I didn't have the ref. number handy...

When all hope seemed lost I asked to talk to a supervisor. The nicest guy came on the line and again asked me about my delinquency and what kind of payments I do on my Citi card, to which I responded that at the moment I'm just doing the minimums.
I again explained that I'm not looking for any new credit, all I want is the card and if he can just split the BA regardless of how much I owe. He put me on hold, came back on the line and said he was approving me for an additional 5K! after the 2-4 min hold he came back and said he tried to push it through but it came back "too many requests for credit" but he will try a 2nd time cause in his eyes I'm "credit worthy". And so it was that the 2nd time I was approved!!
In addition he said the card will be expedited and I should get it within 3 business days!!!
WOOOOOOOHOOOOOOOOOOOOOOOOOOOOO!!!
Title: Re: Chase Reconsideration
Post by: AsherO on January 11, 2012, 04:39:34 PM
@ Fefferkorn, nice success story, annoying fonts notwithstanding :P
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 11, 2012, 04:55:42 PM
@ Fefferkorn, nice success story, annoying fonts notwithstanding :P
Who cares about the fonts after such a story!  :D
Title: Re: Chase Reconsideration
Post by: AsherO on January 11, 2012, 05:16:12 PM
Who cares about the fonts after such a story!  :D

Just because you had success with Chase recon (and I applaud you for that), doesn't mean I have put up with your fonts :P
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 11, 2012, 06:30:59 PM
Just because you had success with Chase recon (and I applaud you for that), doesn't mean I have put up with your fonts :P
Thank you for applauding, but I don't know much myself, I am actually grateful to you and the rest of the very helpful DDFers for all the info that was put out there and posted my story (yes, to share my excitement and also) to share my experience so maybe someone will benefit through reading my experience.

So which fonts are the annoying ones? the top and bottom lines?  8)
Title: Re: Chase Reconsideration
Post by: arch on January 12, 2012, 12:52:21 AM
Update.
My wifes 3BM wasn't as easy as mine. She was not instantly approved, but was (eventually) approved for CO. I called recon for her and got the UN approved.
The SP proved to be the hardest of the bunch. The CSR said that SHE(!) Would not approve 3 cards in 1 month. I called back and tried again twice but to no avail.
My wife then tried herself (she actually is very good with CSRs she used to run a CSR business so she knows how to politly be firm and get what she wants) she spoke to 2 CSRs and wasn't getting anywhere. She then asked for a manager who got the deal done by moving some credit around. It took a total of about 6 calls to get approved, but alls well that ends well.
My sister also just got approved for all 3 with only 1 phone call, so it really is very YMMV.

I just want to thank Dan and all the regulars for all the helpfull insights and responses. Your all doing a great job helping the mileage rookies like myself, and I really appreciate it.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 12, 2012, 03:42:47 PM
GOT THE INK BOLD!!! 6 OUT OF 6!!
Woooooo(for you AsherO  :P )hoooooooooooooooooooooooooooooooooo!!!!
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 15, 2012, 10:12:42 PM
Can anyone please help me out with the wording to SM Chase about matching my CO cc to the 50K offer? Thanks in advance!
Title: Re: Chase Reconsideration
Post by: dans fan on January 15, 2012, 10:30:10 PM
Can anyone please help me out with the wording to SM Chase about matching my CO cc to the 50K offer? Thanks in advance!
type 'Can anyone please help me out with the wording to SM Chase about matching my CO cc to the 50K offer?'  in the search box
Title: Re: Chase Reconsideration
Post by: dans fan on January 15, 2012, 10:33:11 PM
Update.
My wifes 3BM wasn't as easy as mine. She was not instantly approved, but was (eventually) approved for CO. I called recon for her and got the UN approved.
The SP proved to be the hardest of the bunch. The CSR said that SHE(!) Would not approve 3 cards in 1 month. I called back and tried again twice but to no avail.
My wife then tried herself (she actually is very good with CSRs she used to run a CSR business so she knows how to politly be firm and get what she wants) she spoke to 2 CSRs and wasn't getting anywhere. She then asked for a manager who got the deal done by moving some credit around. It took a total of about 6 calls to get approved, but alls well that ends well.
My sister also just got approved for all 3 with only 1 phone call, so it really is very YMMV.

I just want to thank Dan and all the regulars for all the helpfull insights and responses. Your all doing a great job helping the mileage rookies like myself, and I really appreciate it.
in the future do recon on saph first, its harder to get 5k app on a 3rd card than first card
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 15, 2012, 10:57:13 PM
type 'Can anyone please help me out with the wording to SM Chase about matching my CO cc to the 50K offer?'  in the search box
Are you a N00b b'nefesh?
Title: Re: Chase Reconsideration
Post by: dans fan on January 15, 2012, 11:00:05 PM
Are you a N00b b'nefesh?
?
Title: Re: Chase Reconsideration
Post by: Cbs on January 15, 2012, 11:03:49 PM
Are you a N00b b'nefesh?
now thats original!
Title: Re: Chase Reconsideration
Post by: Fefferkorn on January 15, 2012, 11:31:11 PM
now thats original!
Thanks for the compliment, can you please help me figure this (http://forums.dansdeals.com/index.php?topic=8398.msg171574#msg171574) out?
Thanks in advance!
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 11:35:34 AM
i did the 3bm at chase today and they said they will get back to me in 10 -30 days so when do i call  Reconsideration? tia!
Title: Re: Chase Reconsideration
Post by: AJK on January 16, 2012, 11:51:49 AM
i did the 3bm at chase today and they said they will get back to me in 10 -30 days so when do i call  Reconsideration? tia!

Whenever you want? Some have had success waiting for a letter on the chance they may be approved without recon.
Title: Re: Chase Reconsideration
Post by: Cbs on January 16, 2012, 12:39:26 PM
i did the 3bm at chase today and they said they will get back to me in 10 -30 days so when do i call  Reconsideration? tia!
i think the question was asked here (http://forums.dansdeals.com/index.php?topic=8028.msg136813#msg136813) and the answer is as stated there probably from the next morning
Title: Re: Chase Reconsideration
Post by: AJK on January 16, 2012, 12:42:41 PM
i think the question was asked here (http://forums.dansdeals.com/index.php?topic=8028.msg136813#msg136813) and the answer is as stated there probably from the next morning

Yeah, but then people were saying they were getting approved without the need for recon. So unless there is a pressing need to push it through sooner, I'd probably recommend waiting.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 01:32:03 PM
when i call i ask about each card at once and they bring up the specific  app, or they see all my apps in front of them and i have to start reasoning why i did th 3bm?
Title: Re: Chase Reconsideration
Post by: Saver2000 on January 16, 2012, 01:36:08 PM
when i call i ask about each card at once and they bring up the specific  app, or they see all my apps in front of them and i have to start reasoning why i did th 3bm?

If you give them your ss # they will see all three. If yiu give them the app #, they will only see that app.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 02:01:51 PM
o damn where is the app #?
Title: Re: Chase Reconsideration
Post by: mclovin on January 16, 2012, 02:09:17 PM
how long do i have to call recon and not get another credit pull
Title: Re: Chase Reconsideration
Post by: Red on January 16, 2012, 02:10:10 PM
o damn where is the app #?
You can call recon and give them you SS and then ask for all your app numbers, then hang up and call back one at a time.
Title: Re: Chase Reconsideration
Post by: AsherO on January 16, 2012, 02:11:54 PM
You can call recon and give them you SS and then ask for all your app numbers, then hang up and call back one at a time.

Call the (Indian) new accounts department for that (I think you can get to them via the application status number) and get them there. Calling recon and hanging up might get your apps noted.

how long do i have to call recon and not get another credit pull

If they pulled when you applied then they won't pull again. You can officially call recon within 30 days from when you apply.
Title: Re: Chase Reconsideration
Post by: Red on January 16, 2012, 02:12:26 PM
how long do i have to call recon and not get another credit pull
Recon generally won't do a pull unless no pull was done to begin with. You have 30 days from when you get declined to call.
Title: Re: Chase Reconsideration
Post by: Red on January 16, 2012, 02:13:59 PM
Call the (Indian) new accounts department for that (I think you can get to them via the application status number) and get them there. Calling recon and hanging up might get your apps noted.

Could be, Iv'e done it without any prob.

If they pulled when you applied then they won't pull again. You can officially call recon within 30 days from when you apply.
You beat me to it.  :D
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 02:16:31 PM
thanks ya'll for your help
Title: Re: Chase Reconsideration
Post by: mclovin on January 16, 2012, 02:20:50 PM
but what happens after 30 days will they do a new pull
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 02:21:22 PM
Chase: 800-432-3117 (Application status) is this the "indian" new account number?
Title: Re: Chase Reconsideration
Post by: AsherO on January 16, 2012, 02:24:18 PM
but what happens after 30 days will they do a new pull

They might not reconsider an old app, though I've had that done too without another pull. (YMMV perhaps)
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 02:33:07 PM
Chase: 800-432-3117 (Application status) is this the "indian" new account number?
sorry i tried google and don't have the number to "chase new accounts department"
Title: Chase Reconsideration
Post by: MLM on January 16, 2012, 02:35:45 PM
I have 3 chase cards continental business sapphire an hyatt when applied for united 50k they said could only do if I close hyatt and move over line of credit. I agreed but I am surprised that was my option. Does this make sense?

Hyatt applied in June

Continental Business in November

Sapphire and United 2bm last night
Title: Re: Chase Reconsideration
Post by: bem684 on January 16, 2012, 04:36:34 PM
If you give them your ss # they will see all three. If yiu give them the app #, they will only see that app.

I gave them my reference number (from the rejection letter) and they saw right away that I had multiple apps.  So I guess YMMV.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 16, 2012, 05:42:44 PM
A.anyone have any experience with this?

B.so when they ask me why i applied for 3 i tell them the advantages of each card? 
Title: Re: Chase Reconsideration
Post by: AsherO on January 16, 2012, 05:59:23 PM
A.anyone have any experience with this?

B.so when they ask me why i applied for 3 i tell them the advantages of each card? 

A. With what?

B. Yes. Give them a reason why you want each card that wouldn't apply to the others.
Title: Re: Chase Reconsideration
Post by: Chaikel on January 16, 2012, 06:02:12 PM
B. Yes. Give them a reason why you want each card that wouldn't apply to the others.
or just say you want the sign up bonuses. Worked for me
Title: Re: Chase Reconsideration
Post by: Steven on January 16, 2012, 07:40:49 PM
or just say you want the sign up bonuses. Worked for me
I would call that advice YMMV
much safer to stick with a good reason why you want each card
Title: Re: Chase Reconsideration
Post by: dans fan on January 16, 2012, 09:24:18 PM
I gave them my reference number (from the rejection letter) and they saw right away that I had multiple apps.  So I guess YMMV.
i would assume your rejection was cuz of too many recent inq. if thats the case then it doesnt mean they saw the other app.
Title: Re: Chase Reconsideration
Post by: netzih on January 16, 2012, 09:57:53 PM
Anyone else have experience with walking into a bank and talking to someone in the bank
And getting them to approve you? (like someone mentioned earlier in this thread)
Title: Re: Chase Reconsideration
Post by: bem684 on January 16, 2012, 11:34:54 PM
i would assume your rejection was cuz of too many recent inq. if thats the case then it doesnt mean they saw the other app.

It was because of a high recent balance.  They told me exactly what I recently applied for.
Title: Re: Chase Reconsideration
Post by: Saver2000 on January 17, 2012, 12:32:31 AM
It was because of a high recent balance.  They told me exactly what I recently applied for.

They can see all your recent inquiries that are on your cr. If you only got one pull from chase, I doubt they saw all 3 if you used the reference number when calling.

Are you sure they knew that you had 3 pending chase apps??
Title: Re: Chase Reconsideration
Post by: Shmelly on January 17, 2012, 10:04:51 AM
I've called recon 4 times, always with the ref ID #. On 2 of them they commented about my other apps, on 2 they didn't. They definitely can see them IME.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 10:58:06 AM
i applied yesterday with chase 3bm and i called today and they said my apps are still pending, and yes they did see all 3 apps.
they told me to try back later this week to see if there is an update, so what do ya"ll think should i try calling Reconsideration would they push thru a pending app? tia!
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 10:59:00 AM
the 1st time i did not call Reconsideration.
Title: Re: Chase Reconsideration
Post by: Cbs on January 17, 2012, 11:56:04 AM
i applied yesterday with chase 3bm and i called today and they said my apps are still pending, and yes they did see all 3 apps.
they told me to try back later this week to see if there is an update, so what do ya"ll think should i try calling Reconsideration would they push thru a pending app? tia!
you are repeating (http://forums.dansdeals.com/index.php?topic=8398.msg171821#msg171821) the same question again in other words. it was answered the first time.
Title: Re: Chase Reconsideration
Post by: Shmelly on January 17, 2012, 11:59:10 AM
I cancelled my CO recently. Today I received this SM:

Dear Shmelly,

I regret loosing you as a Chase cardmember, as serving you
was very important to us and I appreciated your business.

Our records indicate that the $85 annual fee adjustment
post on January 10, 2012 leaving the account with a credit
balance of $85.


I would like to explore the possibilities of providing
you with a credit card with benefits that you find more
appealing. Chase offers a variety of rewards-based
products, including airline, hotel, and cash-back
programs. If you would like to know more about the
products that we have available, you may reply using the
Secure Message Center.

Thank you,

Robbin Valentich
E-mail Customer Service Representative

1-800-436-7927


I find it odd that they even sent it to me, considering I already have multiple other cards with them. Is this standard practice? Anything that I can gain from this? Also, do they have 9 year olds writing these SMs?

Wasn't sure where to put this, please move if there's a better thread.
Title: Re: Chase Reconsideration
Post by: AsherO on January 17, 2012, 12:00:13 PM
I find it odd that they even sent it to me, considering I already have multiple other cards with them. Is this standard practice? Anything that I can gain from this? Also, do they have 9 year olds writing these SMs?

Probably some international rep trying to earn a commission.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 12:39:25 PM
you are repeating (http://forums.dansdeals.com/index.php?topic=8398.msg171821#msg171821) the same question again in other words. it was answered the first time.
my question was.... will Reconsideration know the app status before a regular chase rep?
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 06:19:58 PM
sooo.......................after calling Reconsideration they told me they can only approve me for 1 out of 3 cards
 and for that one they had to transfer cl from my old ba, is there any way i can offer them to approve the other 2? (co onepass and united) (i dont have any other chase cards)

thanks alot in advance!
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:00:34 PM
sooo.......................after calling Reconsideration they told me they can only approve me for 1 out of 3 cards
 and for that one they had to transfer cl from my old ba, is there any way i can offer them to approve the other 2? (co onepass and united) (i dont have any other chase cards)

thanks alot in advance!

call back.  Ask if there is any way to get the CO card approved.  Tell them all your good qualities...have you been a customer for a long time?  Do you pay all your bills on time every month?  Do you do your banking with Chase?  etc.  If they say they still can't approve you, hang up and call back again.  Rinse and repeat until some "softy" rep approves you.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 08:05:11 PM
i called again they told me there is nothing they can do because i don't have a long history (only 8 months and 1 cc (witch they transferred that already to approve my 1st cc) with chase, so they could only accept me for 1 cc.  :-\ do you still think calling again will help?
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:10:45 PM
No.  If you only have one card and 8 months of history, I advise you to drop any ideas you may have of getting more signup bonuses.  Hold on to your one card for a few years and then try your hand at this stuff.  If you start now you'll most likely mess up your credit.....and even if you don't mess it up, you're going to have a heck of a time getting approved for anything. 

I didn't even attempt to play this game until I had 9 years of credit history and about a 750 credit score (not because I waited....more like I didn't know these things were possible).  That length of history and good score have enabled me to get approved for 10 cards in under 1.5 years.  And my score is still about 725 (the lowest of the 3 scores) even with many many credit pulls on record.
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:11:46 PM
Sorry I just re-read your post.  Did you mean with Chase you only have 1 card and 8 months?  Or with credit cards in general?  How long have you had your oldest credit card?
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 08:15:44 PM
A. my score was 750 2 weeks ago

B. i have many years of credit history being an au on my fathers amex for 3 years (only 1 year of my own credit)

c. i have on my own (not as au) 1 amex 2 citi  so maybe that's not enough.

TIA!
Title: Re: Chase Reconsideration
Post by: Cbs on January 17, 2012, 08:18:46 PM
A. my score was 750 2 weeks ago
where do u check your credit score?
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 08:19:19 PM
Fico (myfico.com)
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:25:11 PM
ok Icy I misunderstood your post then.  Go ahead and call back until you find an easy rep.  Keep trying....I called 8 times recently to get two cards approved.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 08:26:32 PM
is there a trick to calling because i called 3 times and twice i got the same guy. maybe call in the morning then night?
Title: Re: Chase Reconsideration
Post by: Dan on January 17, 2012, 08:31:44 PM
is there a trick to calling because i called 3 times and twice i got the same guy. maybe call in the morning then night?
Call the other number.
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:35:20 PM
maybe call in the morning then night?

Call the other number.

Both are good ideas.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 08:36:15 PM
thanks alot ya'll
Title: Re: Chase Reconsideration
Post by: yoav on January 17, 2012, 08:37:07 PM
If I'm a authorised user on my wife's CC for only 6 months, but the card is active 3 years, am I considered as having that credit for 6 month or 3 years? Since it doesn't appear on my credit file the date of being added, but only the date of account opening, and the payment history since account opening.
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 08:43:09 PM
If I'm a authorised user on my wife's CC for only 6 months, but the card is active 3 years, am I considered as having that credit for 6 month or 3 years? Since it doesn't appear on my credit file the date of being added, but only the date of account opening, and the payment history since account opening.

AFAIK It will count for 3 years of history.
Title: Re: Chase Reconsideration
Post by: yoav on January 17, 2012, 08:48:45 PM
What does AFAIK stands for?
Title: Re: Chase Reconsideration
Post by: Cbs on January 17, 2012, 08:49:33 PM
What does AFAIK stands for?
http://wiki.dansdeals.com/Acronyms
Title: Re: Chase Reconsideration
Post by: Saver2000 on January 17, 2012, 09:26:00 PM
If I'm a authorised user on my wife's CC for only 6 months, but the card is active 3 years, am I considered as having that credit for 6 month or 3 years? Since it doesn't appear on my credit file the date of being added, but only the date of account opening, and the payment history since account opening.

If you search the forums for "piggybacking",  you will find many threads discussing this topic. You will also see which banks it helps for.

Btw next time please post in the correct thread.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 17, 2012, 10:55:56 PM
Call the other number.
awesome news!!!!!!!!! i called recon again and again and finally got my 2nd card approved whhhooo hoo!!!! :) :) :) :)
Title: Re: Chase Reconsideration
Post by: bem684 on January 17, 2012, 11:02:16 PM
awesome news!!!!!!!!! i called recon again and again and finally got my 2nd card approved whhhooo hoo!!!! :) :) :) :)

Good for you! 
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 05:03:06 AM
i got approved 1 out of three chase cards....called twice and they said since i only had under a year of credit history they only gave me the sapphire preferred.i tried to talk with them but they didnt budge.i also tried to become au on my wifes td cc but they wouldnt let,they said they dont do it anymore.so she said call back in a couple of months we shall see how you pay.do i have any chance or should i wait?my creidtkarma score is 734,but on exp its more like 690....is there any hope? :-[
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 08:13:08 AM
I would say keep calling Reconsideration it worked for me. And maybe offer to get the sappire cl split to approve a second one.
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 08:25:53 AM
i tried but they avoided the question.i think the lowest is 5k and i have 5k unless im wrong
Title: Re: Chase Reconsideration
Post by: sky121 on January 23, 2012, 08:51:53 AM
I did a 2BM and was denied for both cards. I tried calling in and they told me one was denied for too many inquiries and the other I need to send in some information. A copy of my license. A bill to my house. And a copy of my social security card.

                             All that makes me a tad bit nervous ( not sure why ) and I've never heard of anyone having to do that before.

                     Anyone else have any experience with this?
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 09:05:50 AM
i also had them ask me for those things.so i called back another time and i did not mention the fact that they wanted it,and they didnt ask me for it either.try that
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 09:45:03 AM
i had a 9000 cl split into a sapphire and co onepass so i think the whole 5k limit is just for show.
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 09:49:38 AM
i had a 9000 cl split into a sapphire and co onepass so i think the whole 5k limit is just for show.

Maybe they added $1k, or maybe they only gave you $4k on the OPP.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 09:54:23 AM
They gave me 4k.
Just trying to say that the 5k minimum is not always true.
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 09:55:52 AM
They gave me 4k.
Just trying to say that the 5k minimum is not always true.

You have a SP with $4k CL? Does it say Visa Signature on the card?
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 09:57:54 AM
Sorry for not being clear.
They split my 9000 cl into 2.
5k for the sapphire
4k for the co onepass
(and i didn't get the cards yet, but was approved)
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 09:58:58 AM
i had a 9000 cl split into a sapphire and co onepass so i think the whole 5k limit is just for show.
Sorry for not being clear.
They split my 9000 cl into 2.
5k for the sapphire
4k for the co onepass
(and i didn't get the cards yet, but was approved)

 ???
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 10:04:04 AM
not "limit" but minimum they tell you that they cant approve the co onepass unless you have 5k to move over to approve it, so the minimum has to be 5k.
The fact that they approved me for a co onepass with a 4k cl shows it doesn't have to be minimum 5k. 
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 10:05:21 AM
not "limit" but minimum they tell you that they cant approve the co onepass unless you have 5k to move over to approve it, so the minimum has to be 5k.
The fact that they approved me for a co onepass with a 4k cl shows it doesn't have to be minimum 5k. 

You might've gotten the OP, not the OPP. I don't think the SP has a non-Visa-Signature equivalent.
Title: Re: Chase Reconsideration
Post by: smurf on January 23, 2012, 10:07:35 AM
You might've gotten the OP, not the OPP. I don't think the SP has a non-Visa-Signature equivalent.
+1
Onepass doesn't have the 5k minimum OnePass Plus does
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 10:09:48 AM
You might've gotten the OP, not the OPP.
Didn't know there was a difference. not sure wich one i got
I don't think the SP has a non-Visa-Signature equivalent.
meaning visa-Signature has to be 5-k therefore it wouldn't be possible to get that with a 4k cl?
Title: Re: Chase Reconsideration
Post by: smurf on January 23, 2012, 10:11:16 AM
Didn't know there was a difference. not sure wich one i gotmeaning visa-Signature has to be 5-k therefore it wouldn't be possible to get that with a 4k cl?
Yup
Title: Re: Chase Reconsideration
Post by: sky121 on January 23, 2012, 10:36:16 AM
i also had them ask me for those things.so i called back another time and i did not mention the fact that they wanted it,and they didnt ask me for it either.try that

Thanks. I tried calling back and got both approved!
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 11:15:13 AM
Quote

 meaning visa-Signature has to be 5-k therefore it wouldn't be possible to get that with a 4k cl?

Yup

Well i see my citi aa is a visa-Signature and it has a 4.5k cl
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 11:21:49 AM
my sp has visa signature on it,so to be clear i cant call them up and request them to move 1k from this card to my denied ua card?
Title: Re: Chase Reconsideration
Post by: Mocha on January 23, 2012, 11:22:53 AM
Well i see my citi aa is a visa-Signature and it has a 4.5k cl
This is all regarding chase.
Title: Re: Chase Reconsideration
Post by: lcyitz on January 23, 2012, 11:28:57 AM
my sp has visa signature on it,so to be clear i cant call them up and request them to move 1k from this card to my denied ua card?
How much credit did u get on the sapphire?
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 11:35:18 AM
5k
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 11:46:06 AM
my sp has visa signature on it,so to be clear i cant call them up and request them to move 1k from this card to my denied ua card?

You might be able to. They're more strict about the $5k Visa Sig/WMC rule at approval.
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 11:47:56 AM
ok i can always give it another shot.do you know what the minimum cl is by the ua card?
Title: Re: Chase Reconsideration
Post by: smurf on January 23, 2012, 11:54:31 AM
You might be able to. They're more strict about the $5k Visa Sig/WMC rule at approval.
+1
I was able to move credit from a Visa sig even though it lowered mt CL below 5k
Title: Re: Chase Reconsideration
Post by: AsherO on January 23, 2012, 12:10:26 PM
ok i can always give it another shot.do you know what the minimum cl is by the ua card?

$1k? I'm not sure...
Title: Re: Chase Reconsideration
Post by: zush12345 on January 23, 2012, 12:17:38 PM
just called the min is 1k but he said the min of the sp is 5k so no go.... :-\
i think i may have to wait a couple of months
Title: Re: Chase Reconsideration
Post by: creditor on January 25, 2012, 06:42:46 PM
SOOO DISAPPOINTED!
did a 2bm Chase SP+CO OPP eventough I have a high credit score with long history I wasn't instantly approved,both pending
please help me with those 2 q.
1)is there still a chance I should receive a letter that both are approved although it wasn't instantly or I'll definitely have to argue it out with reconsideration?
2) currently my CR shows only 1pull,
if I'll have to go through reconsideration does it mean the lender will pull again or not necessarily?

please help its the 1St time starting to churn and already sucha disappointment
Title: Re: Re: Chase Reconsideration
Post by: sky121 on January 25, 2012, 06:48:54 PM
SOOO DISAPPOINTED!
did a 2bm Chase SP+CO OPP eventough I have a high credit score with long history I wasn't instantly approved,both pending
please help me with those 2 q.
1)is there still a chance I should receive a letter that both are approved although it wasn't instantly or I'll definitely have to argue it out with reconsideration?
2) currently my CR shows only 1pull,
if I'll have to go through reconsideration does it mean the lender will pull again or not necessarily?

please help its the 1St time starting to churn and already sucha disappointment

There's a chance one or both will be approved but even if they aren't you can call up Recon and have them approved. I just did that with a 2bm for the Continental and United cards. You don't have to wait for any letters. Call up in a day or two.

Sent from my MB855 using Tapatalk
Title: Re: Chase Reconsideration
Post by: AsherO on January 25, 2012, 06:55:05 PM
There's a chance one or both will be approved but even if they aren't you can call up Recon and have them approved. I just did that with a 2bm for the Continental and United cards. You don't have to wait for any letters. Call up in a day or two.

+1

Creditor, do you have lots of inquires?
Title: Re: Chase Reconsideration
Post by: Shmelly on January 25, 2012, 07:52:42 PM
+1
I was able to move credit from a Visa sig even though it lowered mt CL below 5k
I dropped a CL on a Visa Sig below $500 today.
Title: Re: Chase Reconsideration
Post by: elikay on January 25, 2012, 09:15:51 PM
Call up in a day or two.
+1
Sent from my MB855 using Tapatalk
-1
Title: Re: Re: Chase Reconsideration
Post by: sky121 on January 25, 2012, 09:23:00 PM
+1-1

Lol....
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 02:49:16 AM
+1

Creditor, do you have lots of inquires?
no, I only have 1 inquiry on dec/5/11 thats it,
and that makes me wonder even more why it wasn't instantly approved
Title: Re: Re: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 02:51:45 AM
There's a chance one or both will be approved but even if they aren't you can call up Recon and have them approved. I just did that with a 2bm for the Continental and United cards. You don't have to wait for any letters. Call up in a day or two.

Sent from my MB855 using Tapatalk
why do I recall seeing on DDF that I should wait for after the letters arrive to call recon?
anyway the funny thing is I didn't even get an app no.
Title: Re: Re: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 02:55:51 AM
There's a chance one or both will be approved but even if they aren't you can call up Recon and have them approved. I just did that with a 2bm for the Continental and United cards. You don't have to wait for any letters. Call up in a day or two.


hence my question: does recon mean another credit pull?
Title: Re: Re: Re: Chase Reconsideration
Post by: mguy on January 26, 2012, 03:49:48 AM
why do I recall seeing on DDF that I should wait for after the letters arrive to call recon?
anyway the funny thing is I didn't even get an app no.
Perhaps to get the app number if they don't have it? Folks don't like asking the rep to look it up by ssn since it draws attention to the fact there are multiple apps.

Or perhaps just to wait and see if it gets approved on its own? That happened to me recently. I can't recall the exact timeline, but I believe it was between 2 and 5 days after the app - based on a couple calls into the automated status line. (This was with a Chase biz app)
Title: Re: Re: Re: Chase Reconsideration
Post by: mguy on January 26, 2012, 03:54:33 AM
hence my question: does recon mean another credit pull?
IME, no.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 09:49:45 AM
. You don't have to wait for any letters. Call up in a day or two.




+1


sorry I'm bit confused???
I shall callem in a few days?
but what if the app status is still pending, then why should I risk calling in, where a recon rep may decide to approve only 1 of them or even worse,while leaving it the way it is now it might get approved auto w/o a rep's involvement?
Title: Re: Re: Chase Reconsideration
Post by: mguy on January 26, 2012, 10:19:48 AM
but what if the app status is still pending....
I'm no expert. But based on what I've read here and my experience, I think people call in after a few days because they assume it's a rejection at that point.

I've seen a number of instances where the reject letter came in the mail, but the automated status line still says pending. I've never heard the automated status line say it's been rejected.

But I don't think you lose anything by waiting for the letter...
Title: Re: Chase Reconsideration
Post by: yoav on January 26, 2012, 10:52:01 AM
I got my denial letter almost 2 month ago, I just called the automated system and it says "your application is under review, we will be notify you in writing 7-10 buss days, this is the MOST CURRENT information regarding your app".....
Title: Re: Chase Reconsideration
Post by: AsherO on January 26, 2012, 12:50:58 PM
sorry I'm bit confused???
I shall callem in a few days?
but what if the app status is still pending, then why should I risk calling in, where a recon rep may decide to approve only 1 of them or even worse,while leaving it the way it is now it might get approved auto w/o a rep's involvement?

Chances are slim you'll be auto approved at this point. Call the automated app status number and see if they say 7-10 business days (means wait for recon letter) or two weeks (means still waiting for review).
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 01:04:08 PM
SOOO DISAPPOINTED!
did a 2bm Chase SP+CO OPP eventough I have a high credit score with long history I wasn't instantly approved,both pending
please help me with those 2 q.
1)is there still a chance I should receive a letter that both are approved although it wasn't instantly or I'll definitely have to argue it out with reconsideration?
2) currently my CR shows only 1pull,
if I'll have to go through reconsideration does it mean the lender will pull again or not necessarily?

please help its the 1St time starting to churn and already sucha disappointment
UPDATE I called the app status line entered my ssn [didn't get an app id] one app 'be notified 7/10 days' the other one 'be notified in about 2 weeks'
dreading this (http://forums.dansdeals.com/index.php?topic=8836.msg105757.msg#105757)
Title: Re: Chase Reconsideration
Post by: mguy on January 26, 2012, 03:11:12 PM
if they say 7-10 business days (means wait for recon letter) or two weeks (means still waiting for review)
Thank you for this nugget. I didn't realize that.
Title: Re: Chase Reconsideration
Post by: AsherO on January 26, 2012, 04:43:43 PM
UPDATE I called the app status line entered my ssn [didn't get an app id] one app 'be notified 7/10 days' the other one 'be notified in about 2 weeks'
dreading this (http://forums.dansdeals.com/index.php?topic=8836.msg105757.msg#105757)

That's probably good news. I'd try pressing 0 to get through to new accounts (stupid outsourced call center people), and try to get the appID for the 7-10 day message. Once you have the appID, call recon for the card.

Nothing to dread, just be confident and have your talking points prepared.

Thank you for this nugget. I didn't realize that.

I didn't originate (http://forums.dansdeals.com/index.php?topic=8836.msg105757;topicseen#msg105757) that theory, so thank Side Incomer for it. It does make sense to me though, and I think it's a fair assessment.
Title: Re: Chase Reconsideration
Post by: creditor on January 26, 2012, 05:21:33 PM
That's probably good news. I'd try pressing 0 to get through to new accounts (stupid outsourced call center people), and try to get the appID for the 7-10 day message. Once you have the appID, call recon for the card.

Nothing to dread, just be confident and have your talking points prepared.


did as the rav said called, pressed 0, "stupid outs...." told me they wont provide me w the app id and that they just provide me with my app status by my ssn,
evenmore wierd she only saw 1 app not 2 and said its pending and ill be notified in 2 weeks
Title: Re: Chase Reconsideration
Post by: bem684 on January 26, 2012, 09:40:00 PM
did as the rav said called, pressed 0, "stupid outs...." told me they wont provide me w the app id and that they just provide me with my app status by my ssn,
evenmore wierd she only saw 1 app not 2 and said its pending and ill be notified in 2 weeks

HUCA?
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 27, 2012, 02:32:39 AM
did as the rav said called, pressed 0, "stupid outs...." told me they wont provide me w the app id and that they just provide me with my app status by my ssn,
evenmore wierd she only saw 1 app not 2 and said its pending and ill be notified in 2 weeks
is it possible that the system totally canceled out one app w/o even given it a chance to be reviewed,and recon wouldn't even help, and I'll just have to apply all over again??
Title: Re: Re: Chase Reconsideration
Post by: Jkhein on January 27, 2012, 02:59:55 AM
is it possible that the system totally canceled out one app w/o even given it a chance to be reviewed,and recon wouldn't even help, and I'll just have to apply all over again??
no, recon would review it.
Title: Re: Chase Reconsideration
Post by: AsherO on January 27, 2012, 03:14:34 AM
is it possible that the system totally canceled out one app w/o even given it a chance to be reviewed,and recon wouldn't even help, and I'll just have to apply all over again??

Did you apply for two apps in the same browser? If yes, it's possible.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 27, 2012, 03:20:28 AM
Did you apply for two apps in the same browser? If yes, it's possible.
no I'm that of a n00b did research that here,
2 browsers
Title: Re: Chase Reconsideration
Post by: AsherO on January 27, 2012, 03:22:47 AM
no I'm that of a n00b did research that here,
2 browsers

This time in English please? :P

Seriously, with two browsers and apps for different crds I'd say that's unusual for Chase, but I wouldn't say it's impossible. Either way, you should be able to recon.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 27, 2012, 04:28:10 AM
This time in English please? :P

cmon Asher0 dooo you... expaaact meee tooo write'a ooout aaas muuch aas ii can?
Title: Re: Re: Re: Re: Chase Reconsideration
Post by: creditor on January 27, 2012, 08:58:15 AM
Perhaps to get the app number if they don't have it? Folks don't like asking the rep to look it up by ssn since it draws attention to the fact there are muliple apps
CMIIW, but I think t's a right theory, if they look up your app by the appid then the rep sees only the app associated with this appid, resulting in the recon rep to wanna pull another CR, if done through 2/3bm because the rep sees Theres no pull for that app,
whereas if they look it up by your ssn then you might argue to them that a pull wad maid and no need for another one, since they see both apps on your ssn
maybe that explains why some ddfers report that the recon rep did another pull vs other ddfers report otherwise::)
Title: Re: Chase Reconsideration
Post by: AsherO on January 27, 2012, 09:02:36 AM
CMIIW, but I think t's a right theory, if they look up your app by the appid then the rep sees only the app associated with this appid, resulting in the recon rep to wanna pull another CR, if done through 2/3bm because the rep sees Theres no pull for that app,
whereas if they look it up by your ssn then you might argue to them that a pull wad maid and no need for another one, since they see both apps on your ssn
maybe that explains why some ddfers report that the recon rep did another pull vs other ddfers report otherwise::)

1. They typically pull all your CRs at the time of application, and see what was already pulled by recon.
2. IMHO they used to typically only see one app when you called with an appID, but in the past six months they sometimes ask about other recent applications.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 27, 2012, 09:15:24 AM
1. They typically pull all your CRs at the time of application, and see what was already pulled by recon.
2. IMHO they used to typically only see one app when you called with an appID, but in the past six months they sometimes ask about other recent applications.
1)so Theres no obvious reason why sometimes recon pulls another and sometimes not?
2)asking about other apps doesn't mean you have to admit, unless the see it neway by giving them the ssn
Title: Re: Chase Reconsideration
Post by: AsherO on January 27, 2012, 09:20:58 AM
1)so Theres no obvious reason why sometimes recon pulls another and sometimes not?
2)asking about other apps doesn't mean you have to admit, unless the see it neway by giving them the ssn

1. They don't typically do another pull, unless there was something wrong from the info at the time of the application that they couldn't pull credit (e.g. wrong address) or the report they tried to pull was frozen.
2. You don't have to admit, but (sometimes?) they see it on their screen, so good luck denying it.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 28, 2012, 05:12:43 PM
SOOO DISAPPOINTED!
did a 2bm Chase SP+CO OPP eventough I have a high credit score with long history I wasn't instantly approved,both pending
please help me with those 2 q.
1)is there still a chance I should receive a letter that both are approved although it wasn't instantly or I'll definitely have to argue it out with reconsideration?
2) currently my CR shows only 1pull,
if I'll have to go through reconsideration does it mean the lender will pull again or not necessarily?

please help its the 1St time starting to churn and already sucha disappointment
UPDATE jan/28 i'v been approved for the SPP [no letter just shows online] with 10k limit,
CO OPP still says 7/10 days
weird I would think they'd rather approve the CO OPP
Title: Re: Chase Reconsideration
Post by: lcyitz on January 29, 2012, 11:06:10 AM
Is there any way of getting approved for a card that they say they are not willing to give you more credit?
(meaning i did a 3bm and they split an old cl to approve 2 of my cards saying we cant allow you more credit is there a chance i can still get the 3rd approved?)
TIA!
Title: Re: Chase Reconsideration
Post by: mileshocker on January 29, 2012, 12:16:39 PM
try splitting one of your new cl from new approved card
Title: Re: Chase Reconsideration
Post by: lcyitz on January 29, 2012, 12:31:26 PM
Know what the minumum is because I have a sapphire with 5k and then co onepass with 4k think they would split any of those? (Trying to get the united approved)
Title: Re: Chase Reconsideration
Post by: mileshocker on January 29, 2012, 12:58:26 PM
ddf has been reporting 5k but i transferred 2k from old card to open SW..ymmv
call and if they say no just hang up and call over and over
Title: Re: Chase Reconsideration
Post by: lcyitz on January 29, 2012, 04:12:53 PM
I keep calling recon for my 3rd card and they say they cant approve so many (a 3rd card) within 30 days.

But what they did tell me was, i was able to close one of my existing accounts (the first 2 of a 3bm) and get the new one approved.

Is it possible to wait for one of my (2 weeks old) cards to post its miles then transfer the cl to get the new one approved? or by that time the application of my 3rd card will fall of? or will i lose my milles?

Tia! really appreciate it!
Title: Re: Chase Reconsideration
Post by: mileshocker on January 29, 2012, 04:45:19 PM
anything is possible if you keep persistent , just reapply in a few months after you get your points from the new cc and transfer CL
Title: Re: Chase Reconsideration
Post by: elizmm on January 29, 2012, 07:41:34 PM
I was declined for the Saphire since there is something past due or delinqunet in my credit history, would calling chase reconsidiration help with getting it approved or its a lost cause till I clear up the Credit Report?

(the past due in my Credit Report is most probably a mistake which I will have to get off my report)
Title: Re: Chase Reconsideration
Post by: dans fan on January 29, 2012, 08:28:31 PM
I was declined for the Saphire since there is something past due or delinqunet in my credit history, would calling chase reconsidiration help with getting it approved or its a lost cause till I clear up the Credit Report?

(the past due in my Credit Report is most probably a mistake which I will have to get off my report)
not a lost case
Title: Re: Chase Reconsideration
Post by: smurf on January 29, 2012, 10:28:14 PM
not a lost case
+1
especially if you can explain the mistake to them
Title: Re: Chase Reconsideration
Post by: Brookleneze on January 29, 2012, 10:34:14 PM
I was declined for the Saphire since there is something past due or delinqunet in my credit history, would calling chase reconsidiration help with getting it approved or its a lost cause till I clear up the Credit Report?

(the past due in my Credit Report is most probably a mistake which I will have to get off my report)
See this guy's story: http://forums.dansdeals.com/index.php?topic=8398.msg169885#msg169885
Title: Re: Chase Reconsideration
Post by: Drago on January 30, 2012, 01:42:30 PM
On the fourth call (this one to the credit analysis #) they approved my Sapphire. To do this, I needed to agree to lower the limit on my old United account to 1k. Interestingly, she said she couldn't close it b/c I currently have a balance on it (from my annual fee coming due). So now I am the proud owner of 2 SW cards (1 personal, 1 biz), a Sapphire, and a United.
Now I need to call up about the AARP card in order to go 2 for 2 in this round.
Title: Re: Chase Reconsideration
Post by: Red on January 30, 2012, 01:47:12 PM
On the fourth call (this one to the credit analysis #) they approved my Sapphire. To do this, I needed to agree to lower the limit on my old United account to 1k. Interestingly, she said she couldn't close it b/c I currently have a balance on it (from my annual fee coming due). So now I am the proud owner of 2 SW cards (1 personal, 1 biz), a Sapphire, and a United.
Now I need to call up about the AARP card in order to go 2 for 2 in this round.

That's funny because I just did that with my SW, it had the annual fee on it and I told the rep to close the card to move the full CL for a new SP. He did just that, although it did take a sm to get the fee refunded.
Title: Re: Chase Reconsideration
Post by: AJK on January 30, 2012, 01:58:08 PM
Back in August, froze E's, applied for Hyatt + SWA.

Pushed both through with recon and just today confirmed only one pull on TU.
Title: Re: Chase Reconsideration
Post by: Dan on January 30, 2012, 01:59:44 PM
Pushed both through with recon
Same phone call or diff phone call?
Title: Re: Chase Reconsideration
Post by: AJK on January 30, 2012, 02:03:45 PM
Same phone call or diff phone call?

Different, surprisingly.
Title: Re: Chase Reconsideration
Post by: Drago on January 30, 2012, 02:04:11 PM
That's funny because I just did that with my SW, it had the annual fee on it and I told the rep to close the card to move the full CL for a new SP. He did just that, although it did take a sm to get the fee refunded.
YMMV I guess.
It seems that the reps make things up as they go along.
Title: Re: Chase Reconsideration
Post by: Drago on January 30, 2012, 02:04:59 PM
Different, surprisingly.
Is it better to do it in the same call. In the call I just had, I decided to wait till a diff call since I didn't want to give one shpiel, and then introduce a much different one.
Title: Re: Chase Reconsideration
Post by: Dan on January 30, 2012, 02:06:16 PM
Different, surprisingly.
It just depends if the rep will do their own pull or just look at the last pull, thus the YMMV.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 30, 2012, 05:00:46 PM
Is there any way of getting approved for a card that they say they are not willing to give you more credit?
(meaning i did a 3bm and they split an old cl to approve 2 of my cards saying we cant allow you more credit is there a chance i can still get the 3rd approved?)
TIA!


I keep calling recon for my 3rd card and they say they cant approve so many (a 3rd card) within 30 days.

But what they did tell me was, i was able to close one of my existing accounts (the first 2 of a 3bm) and get the new one approved.

Is it possible to wait for one of my (2 weeks old) cards to post its miles then transfer the cl to get the new one approved? or by that time the application of my 3rd card will fall of? or will i lose my milles?

Tia! really appreciate it!
sir: are you really looking to get AA'd by Chase ? especially after posting your recent (http://forums.dansdeals.com/index.php?topic=8028.msg175471.msg#175471) experience with them?
Title: Re: Chase Reconsideration
Post by: AsherO on January 30, 2012, 06:21:18 PM
It just depends if the rep will do their own pull or just look at the last pull, thus the YMMV.

Or maybe even if they do multiple pulls, the CBs might consider it one pull if they're in close enough proximity.
Title: Re: Re: Chase Reconsideration
Post by: lcyitz on January 30, 2012, 07:06:25 PM
sir: are you really looking to get AA'd by Chase ? especially after posting your recent (http://forums.dansdeals.com/index.php?topic=8028.msg175471.msg#175471) experience with them?

The 3bm i did was before they asked for my 1099 etc.

And it seems the reason  they sent me the 1099 etc. was like a rejection from the reconsideration, because they did approve me a day after they wrote the (1099 etc.) letter, on a different phone call.
Title: Re: Re: Re: Chase Reconsideration
Post by: creditor on January 30, 2012, 07:20:54 PM
The 3bm i did was before they asked for my 1099 etc.

And it seems the reason  they sent me the 1099 etc. was like a rejection from the reconsideration, because they did approve me a day after they wrote the (1099 etc.) letter, on a different phone call.
but you state there that the account has posted already online, +you called Chase and they said it was approved,
in any case alotof luck
Title: Re: Chase Reconsideration
Post by: lcyitz on January 30, 2012, 07:33:11 PM
To be clear the rejected me one day and approved me the next.
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 30, 2012, 07:41:46 PM
To be clear the rejected me one day and approved me the next.
OMG you either need to read or edit our posts, you write on jan/25 that you JUST got a letter for the 1099
then right after ou write that the account has posted 2 DAYS AGO  meaning on the 23rd
in other words you got approved on the 23rd and  received the letter on the 25th
so NO your not clear at all
Title: Re: Chase Reconsideration
Post by: lcyitz on January 30, 2012, 07:51:18 PM
Sorry for not being clear i will try to explain:

They rejected me one day the next day they approved me, now when they rejected me they sent out a letter letting me know in order to approve the card i will need proof of my income, in the meantime (when the letter was on the way) i got accepted.

Hope that is clear

That was card #2 of a 3bm and now the 3rd as i posted earlier:
Quote
I keep calling recon for my 3rd card and they say they cant approve so many (a 3rd card) within 30 days.

But what they did tell me was, i was able to close one of my existing accounts (the first 2 of a 3bm) and get the new one approved.

Is it possible to wait for one of my (2 weeks old) cards to post its miles then transfer the cl to get the new one approved? or by that time the application of my 3rd card will fall of? or will i lose my milles?

Tia! really appreciate it!
Quote
Title: Re: Re: Chase Reconsideration
Post by: lcyitz on January 31, 2012, 12:58:15 PM
sir: are you really looking to get AA'd by Chase ? especially after posting your recent (http://forums.dansdeals.com/index.php?topic=8028.msg175471.msg#175471) experience with them?
Will calling reconsideration many times with chase be a reason to get AA'd?
Title: Re: Chase Reconsideration
Post by: Jkhein on January 31, 2012, 03:11:55 PM
Can I call them just to move limits around my accounts, not in connection to opening or closing a card? Or CS?
Title: Re: Re: Chase Reconsideration
Post by: creditor on January 31, 2012, 03:52:33 PM
Can I call them just to move limits around my accounts, not in connection to opening or closing a card? Or CS?
you might be able to, but its probably trough another dep
Title: Re: Chase Reconsideration
Post by: AsherO on January 31, 2012, 04:00:32 PM
Will calling reconsideration many times with chase be a reason to get AA'd?

No, not unless you've also got other real AA factors (recon isn't an AA factor AFAIK).
Title: Re: Chase Reconsideration
Post by: Drago on February 02, 2012, 02:13:59 PM
Did a 2bm with the Sapphire and AARP a few weeks back. Got the Sapphire approved after multiple calls, and I now just called up for the AARP. She told me I had been declined b/c they allow a maximum of 1 card every 6 (!) months. (HA!)
The lady sounded very suspcious why I had 3 cards already approved recently (2 SW, and the Sapphire) and demanded an explanation. I gave her a good one, and her tone softened, but she told me that there had been no credit pull done for this card (b/c of the 2bm) and she wanted permission to pull it now, and that even that wouldn't guarantee anything. I told her they have it on file from my other application, but she said that wasn't enough. (Is this s/t new?)
I'm told her I would think about it a call back, and am nervous for a few reasons.
1) She'll see my 7 new cards that I opened in November, along with a bunch of others from last year, and my explanation will no longer hold water.
2) They're been cracking down on the AARP card, and I'm concerned that just applying for it may be warning flag.

Any thoughts? Should I just try to find a more sympathetic CS rep? Allow the credit pull?
Title: Re: Chase Reconsideration
Post by: Dan on February 02, 2012, 02:18:04 PM
Ugh, here we go again.
My opinion is AARP isn't worth a credit pull unless you can spend absolutely massive amounts on the card within 6 months, though HelpMe will burn me at the stake for thinking that.
Title: Re: Chase Reconsideration
Post by: bubbles on February 02, 2012, 02:23:38 PM
Ugh, here we go again.
My opinion is AARP isn't worth a credit pull unless you can spend absolutely massive amounts on the card within 6 months, though HelpMe will burn me at the stake for thinking that.

He obviously agrees with that. He just argues on how difficult it is to spend massive amounts of money (I think)
Title: Re: Chase Reconsideration
Post by: Dan on February 02, 2012, 02:28:18 PM
He obviously agrees with that. He just argues on how difficult it is to spend massive amounts of money (I think)
No, he has said that miles are worthless for him and he doesn't bother going for them at all.
Title: Re: Chase Reconsideration
Post by: Drago on February 02, 2012, 02:35:37 PM
Ugh, here we go again.
My opinion is AARP isn't worth a credit pull unless you can spend absolutely massive amounts on the card within 6 months, though HelpMe will burn me at the stake for thinking that.

I agree, but I'm running out of cards on which to make $500+, and all my options (except for continually churning the AMEX Plat) are Chase cards. However, I think that those offers will be around longer that will this one. I figure that even if I only pull down btw 100-200 per month for 6 months, that's still btw 600-1,200, and is better than most of my other options.
Additionally, b/c I don't fly much, and when I do I fly coach, the value of miles typically max out at 1.5 or so for me.

No need to rehash the whole argument again.

Any thoughts about the recon?
Title: Re: Chase Reconsideration
Post by: Dan on February 02, 2012, 02:45:11 PM
How do you run out of cards?  They're all churnable!

You can sell UR points for 1.65-1.8.
CO/UA/IB/SP all give at least 50K points (more on the SP) for signing up.

Let's say you spend $3,000 per month for 6 months=$18,000

CO/UA/IB/SP all give at least 50K ($825 at 1.65cpm signup bonus) and $300-$600 of points for the spending depending on how you spend (airfare, hotels, taxi, car rentals, dining, office supplies, gas, wireless, telecom, 7% dividend, etc)

AARP gives you $900. 

Even at $4K/month ($24,000) AARP still won't get you ahead.
Title: Re: Chase Reconsideration
Post by: Drago on February 02, 2012, 03:14:12 PM
How do you run out of cards?  They're all churnable!

You can sell UR points for 1.65-1.8.
CO/UA/IB/SP all give at least 50K points (more on the SP) for signing up.

Let's say you spend $3,000 per month for 6 months=$18,000

CO/UA/IB/SP all give at least 50K ($825 at 1.65cpm signup bonus) and $300-$600 of points for the spending depending on how you spend (airfare, hotels, taxi, car rentals, dining, office supplies, gas, wireless, telecom, 7% dividend, etc)

AARP gives you $900. 

Even at $4K/month ($24,000) AARP still won't get you ahead.

And you would advise against trying to hit a home run by using square, or s/t of the sort?
I hear what you're saying, but I've never tried churning a Chase card (haven't gotten them all yet) and am concerned about it working. Is it as simple as entering a diff ff #?
And is it possible to churn the Sapphire card?
Title: Re: Chase Reconsideration
Post by: aryeh1 on February 02, 2012, 03:16:20 PM
You can sell UR points for 1.65-1.8.
CO/UA/IB/SP all give at least 50K points (more on the SP) for signing up.

Who pays near 1.8?
Title: Re: Chase Reconsideration
Post by: Dan on February 02, 2012, 03:40:56 PM
And you would advise against trying to hit a home run by using square, or s/t of the sort?
I hear what you're saying, but I've never tried churning a Chase card (haven't gotten them all yet) and am concerned about it working. Is it as simple as entering a diff ff #?
And is it possible to churn the Sapphire card?
You'll be banned before you get to 2nd base.
A different FFN works for CO/UA and I've churned Sapphire.
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 02, 2012, 03:41:15 PM
Who pays near 1.8?
+1000
or who pays even close to 1.7?
Title: Re: Chase Reconsideration
Post by: Dan on February 02, 2012, 03:54:00 PM
Against forum rules, sorry.
But they exist.
Title: Re: Chase Reconsideration
Post by: Drago on February 02, 2012, 04:40:13 PM
Against forum rules, sorry.
But they exist.
Out of curiosity, why? Legal risks for you?
Title: Re: Chase Reconsideration
Post by: HelpMe on February 02, 2012, 05:45:43 PM
Ugh, here we go again.
My opinion is AARP isn't worth a credit pull unless you can spend absolutely massive amounts on the card within 6 months, though HelpMe will burn me at the stake for thinking that.
Maybe we can just agree to disagree. You can keep flying around the world in first class for free and I can keep buying new cars for free.
Title: Re: Chase Reconsideration
Post by: Saver2000 on February 02, 2012, 05:56:10 PM
Dan (and HelpMe), may I suggest that at this point you move the conversation over to the proper thread.
I'm not sure why the OP of this conversation -  (reuvain) - posted in this thread in the first place.
Title: Re: Chase Reconsideration
Post by: AsherO on February 03, 2012, 12:30:51 AM
Maybe we can just agree to disagree. You can keep flying around the world in first class for free and I can keep buying new cars for free.

Can I suggest a new forum rule?

There should be a "CC cashback vs. miles" thread, and if anyone posts these kinds of arguments anywhere but that thread, the posts get deleted.
Title: Re: Chase Reconsideration
Post by: HelpMe on February 03, 2012, 12:33:06 AM
Can I suggest a new forum rule?

There should be a "CC cashback vs. miles" thread, and if anyone posts these kinds of arguments anywhere but that thread, the posts get deleted.
How about a forum rule against stalking?
Title: Re: Chase Reconsideration
Post by: AsherO on February 03, 2012, 12:41:18 AM
How about a forum rule against stalking?

I'm all or one. I have nothing against anyone here, I am completely against minority opinions being repeated ad infinitum.
Title: Re: Chase Reconsideration
Post by: elikay on February 03, 2012, 01:35:27 AM
I'm all or one. I have nothing against anyone here, I am completely against minority opinions being repeated ad infinitum.
or  minority opinions being attacked ad infinitum.
Title: Re: Chase Reconsideration
Post by: AsherO on February 03, 2012, 01:40:24 AM
or  minority opinions being attacked ad infinitum.

It's a minority opinion*, why keep bringing it up?

*) and I don't mean 40%, I mean it's practically one person against everyone else here.
Title: Re: Chase Reconsideration
Post by: Drago on February 03, 2012, 01:51:41 AM
Dan (and HelpMe), may I suggest that at this point you move the conversation over to the proper thread.
I'm not sure why the OP of this conversation -  (reuvain) - posted in this thread in the first place.

I posted here to ask whether I should call up Chase recon again, in line with the title of the thread.
I happened to mention the card types, and that started the discussion.
Title: Re: Chase Reconsideration
Post by: HelpMe on February 03, 2012, 01:53:45 AM
*) and I don't mean 40%, I mean it's practically one person against everyone else here.
Is this place to bring up the David and Goliath story?   ;D
Title: Re: Chase Reconsideration
Post by: Saver2000 on February 03, 2012, 02:18:46 AM
Can I suggest a new forum rule?

There should be a "CC cashback vs. miles" thread, and if anyone posts these kinds of arguments anywhere but that thread, the posts get deleted.

There is one already
http://forums.dansdeals.com/index.php?topic=3231.15
Title: Re: Chase Reconsideration
Post by: Ergel on February 03, 2012, 11:41:57 AM
To get back to the thread. Would like to share an chase recon experience. Did a 3bm back on November 4. Got united and freedom approved pretty easily but denied on the marriott card multiple times. In December I got a new denial letter from my numerous phone calls which extended the life of my application to January. Denied again in January but again received a new denial. Just called now and moved around credit and got approved without a new pull.

Only problem is she said I won't receive a sign up bonus because I have signed up for so many cards in last 6 months. I think she was just bluffing to see if I still wanted the card but we'll see
Title: Re: Chase Reconsideration
Post by: joeb1 on February 03, 2012, 01:18:14 PM
that is pure bs
Title: Re: Chase Reconsideration
Post by: Ergel on February 04, 2012, 09:01:43 PM
that is pure bs

That's what I assume as well. I figure worse comes to worst I'll just ask them to match me to a current offer.
Title: Re: Chase Reconsideration
Post by: joann on February 06, 2012, 12:32:32 PM
Recently did a 3 BM for CO/UA/SP I got approved only for CO. When I called recon. they told me they cant do a/t because on my report I only have an AMEX Showing I recently started using it (cuz it was moved over from diff. CL)But it shows that I have it since 2009. Is it worth calling again and saying s/t like I need specificly a visa? Or does anyone have experience?
Title: Re: Chase Reconsideration
Post by: Red on February 06, 2012, 01:24:52 PM
SUCCESS!!

I did a 3bm for SP, SW and UA (the recent accounts that I reported getting were under my wife's name) and got denied on all for too many recent accounts because I got the freedom about 3 months ago.
3 calls to recon and 3 new accounts, it took all of 10 minutes. I called app status to get my app ids (which btw are the same thing as ref numbers) and then called recon with those numbers, no mention on any of the calls was made of the other apps and on the later ones no mention was made of the new approvals.
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 06, 2012, 01:44:46 PM
SUCCESS!
 I called app status to get my app ids (which btw are the same thing as ref numbers)
congrats!
so they would give me a reference no. over the phone ? which Dep ?
I'm going outta my mind not getting the rejection letter yet, and reps say they have no way providing me with the app id,
Title: Chase 3bm
Post by: moto on February 06, 2012, 01:46:19 PM
I did chase 3bm with the credit cards I'm new to this thing they told me they will get back to me within 10 days and I didn't get anything anyone know what I do next???
Title: Re: Re: Chase 3bm
Post by: creditor on February 06, 2012, 02:04:49 PM
I did chase 3bm with the credit cards I'm new to this thing they told me they will get back to me within 10 days and I didn't get anything anyone know what I do next???
have you read here (http://forums.dansdeals.com/index.php?topic=8028.0)or here (http://forums.dansdeals.com/index.php?topic=8398.0)?
Title: Re: Re: Chase Reconsideration
Post by: Red on February 06, 2012, 03:33:53 PM
congrats!
so they would give me a reference no. over the phone ? which Dep ?
I'm going outta my mind not getting the rejection letter yet, and reps say they have no way providing me with the app id,

Thanks.
I called app status to get my app ids (which btw are the same thing as ref numbers)

Chase: 800-432-3117 (Application status) (http://forums.dansdeals.com/index.php?topic=8028.msg93920#msg93920) I just waited to speak to a rep and asked for my app ids.
Title: Re: Chase Reconsideration
Post by: Drago on February 06, 2012, 04:32:26 PM
Did a 2bm with the Sapphire and AARP a few weeks back. Got the Sapphire approved after multiple calls, and I now just called up for the AARP. She told me I had been declined b/c they allow a maximum of 1 card every 6 (!) months. (HA!)
The lady sounded very suspcious why I had 3 cards already approved recently (2 SW, and the Sapphire) and demanded an explanation. I gave her a good one, and her tone softened, but she told me that there had been no credit pull done for this card (b/c of the 2bm) and she wanted permission to pull it now, and that even that wouldn't guarantee anything. I told her they have it on file from my other application, but she said that wasn't enough. (Is this s/t new?)
I'm told her I would think about it a call back, and am nervous for a few reasons.
1) She'll see my 7 new cards that I opened in November, along with a bunch of others from last year, and my explanation will no longer hold water.
2) They're been cracking down on the AARP card, and I'm concerned that just applying for it may be warning flag.

Any thoughts? Should I just try to find a more sympathetic CS rep? Allow the credit pull?

Just wanted to share the good news that I was just approved for the AARP card, and didn't have to cancel my old United card. I moved CLs around to create a CL of 8,900.
Now to try to play nicely with it and not be banned
Title: Re: Chase Reconsideration
Post by: HelpMe on February 06, 2012, 04:38:03 PM
Just wanted to share the good news that I was just approved for the AARP card, and didn't have to cancel my old United card. I moved CLs around to create a CL of 8,900.
Now to try to play nicely with it and not be banned
Congrats. If you do not charge more that your CL in one month you should be fine.
Title: Re: Chase Reconsideration
Post by: creditor on February 06, 2012, 05:48:28 PM
'probably the most famous/frequent pharse on DDF'

did 2bm SP/CO OPP got approved for SP,   CO OPP said 7/10 days, called recon approved CO OPP

in my case, I was waiting for the denial letter to arrive for a while, when it didn't, I called Chase asked for the app id no.[not wanting them to see both apps by giving recon my ssn] rep said he doesn't have it, called again, samething, until today when i called and asked for the app id, she said hold the line and I was auto transferred to recon Dep who asked me the app id no. when I said I don't have it she asked my ssn, and imidiatly saw both apps, put me on hold and came back sayin to many requests for credit, [amex spg+SP in the past six! yrs]
then offered me on her own to cut to old FM cards by half from 5k  to 2.5k
while I offered cutting 1 freedom and 2.5k from the SP [10K down to 7.5K] and approved it right away

and yeh only 1 pull
Title: Re: Chase Reconsideration
Post by: njben on February 06, 2012, 10:34:55 PM
I did 2bm with CO and United.  Got approved for united.  Received a denial in the mail for continental.  I tried calling and transferring credit from another card and they refused.  They said I was approved for too many cards recently.  My only other card that was approved in the last few months with Chase was Sapphire in October.

Should I try calling them again?
Title: Re: Re: Chase Reconsideration
Post by: sky121 on February 06, 2012, 10:39:27 PM
I did 2bm with CO and United.  Got approved for united.  Received a denial in the mail for continental.  I tried calling and transferring credit from another card and they refused.  They said I was approved for too many cards recently.  My only other card that was approved in the last few months with Chase was Sapphire in October.

Should I try calling them again?
Yes.
Title: Re: Re: Chase Reconsideration
Post by: Red on February 07, 2012, 06:11:18 AM
Yes.
+1 Most definitely.
Title: Chase no more 3bm
Post by: moto on February 07, 2012, 09:31:01 AM
I did 3bm and chase detected that I tried opening to many accounts so they didn't accept me?

So I guess it stoped working
Title: Re: Re: Chase no more 3bm
Post by: sky121 on February 07, 2012, 10:06:16 AM
I did 3bm and chase detected that I tried opening to many accounts so they didn't accept me?

So I guess it stoped working

Didn't accept you?  Do you mean you got denied?
Title: Re: Chase no more 3bm
Post by: AsherO on February 07, 2012, 10:23:24 AM
I did 3bm and chase detected that I tried opening to many accounts so they didn't accept me?

So I guess it stoped working

Let me guess:

Did you apply for three of the same card?

Did you apply in different tabs of the same browser?
Title: Re: Chase Reconsideration
Post by: njben on February 07, 2012, 11:01:18 AM
Thanks!
it worked!!!! 
Title: Re: Chase Reconsideration
Post by: joann on February 07, 2012, 01:02:51 PM
Recently did a 3 BM for CO/UA/SP I got approved only for CO. When I called recon. they told me they cant do a/t because on my report I only have an AMEX Showing I recently started using it (cuz it was moved over from diff. CL)But it shows that I have it since 2009. Is it worth calling again and saying s/t like I need specificly a visa? Or does anyone have experience?
Anyone?
Title: Re: Chase Reconsideration
Post by: Armadillo on February 08, 2012, 08:23:11 PM
Anyone?
Yes you should try again and say you need a visa or anything else that comes to mind
Title: Re: Chase Reconsideration
Post by: miles on February 08, 2012, 10:20:15 PM
SUCCESS!!

I did a 3bm for SP, SW and UA (the recent accounts that I reported getting were under my wife's name) and got denied on all for too many recent accounts because I got the freedom about 3 months ago.
3 calls to recon and 3 new accounts, it took all of 10 minutes. I called app status to get my app ids (which btw are the same thing as ref numbers) and then called recon with those numbers, no mention on any of the calls was made of the other apps and on the later ones no mention was made of the new approvals.
my appid from the browser page was wrong
Title: Re: Chase Reconsideration
Post by: zush12345 on February 12, 2012, 11:10:13 AM
hi everyone
i did a 3bm for my wife sp,co,ua and she got immediately approved for sp.i called chase recon and they closed her freedom card and i asked her will she be now approved for all cards and she said yes.today i call and on file they only see one approval,and 2 declines with the closed freedom card!he said i should call the credit line tomorrow and sort it out.any suggestions how i should go about,or should i wait a bit more maybe it didnt show up yet on the computer?im really upset since she clearly told me all of the applications have been approved.
really mad :-[
Title: Re: Chase Reconsideration
Post by: SPLP on February 12, 2012, 02:04:12 PM
hi everyone
i did a 3bm for my wife sp,co,ua and she got immediately approved for sp.i called chase recon and they closed her freedom card and i asked her will she be now approved for all cards and she said yes.today i call and on file they only see one approval,and 2 declines with the closed freedom card!he said i should call the credit line tomorrow and sort it out.any suggestions how i should go about,or should i wait a bit more maybe it didnt show up yet on the computer?im really upset since she clearly told me all of the applications have been approved.
really mad :-[

Try not to be upset , I have found chase to be very cooperative ,start out  asking  what cards were approved , if the tell u only 1 card -- tell them just the truth ,they have notes and the call my even be recorded  , if can not get it corrected on first call  ,elevate it to a supervisor --do not know who you spoke to --if it was a csr --they many times give wrong info --stay cool now and when u call
Title: Re: Chase Reconsideration
Post by: zush12345 on February 12, 2012, 02:16:10 PM
i dont remember her name,she cancelled the freedom card to allow both cards,and i specifically asked her if the other cards were approved and she said yes.is it possible it did go through but id didnt show up on the general clerks computer?
Title: Re: Chase Reconsideration
Post by: SPLP on February 12, 2012, 02:46:34 PM
i dont remember her name,she cancelled the freedom card to allow both cards,and i specifically asked her if the other cards were approved and she said yes.is it possible it did go through but id didnt show up on the general clerks computer?

YES, possible clerk did not -can not see   ---As long as u understood what she told you ,it will work out--any chance she told u --close freedom and approve "the" card and when u asked are they approved -- u meant "all" 3 and she meant the "one" card  ---like i said i think all calls are recorded have them pull the call "if" needbe --call them tomorrow ,do not wait
Title: Re: Chase Reconsideration
Post by: Ergel on February 14, 2012, 08:13:17 AM


Only problem is she said I won't receive a sign up bonus because I have signed up for so many cards in last 6 months. I think she was just bluffing to see if I still wanted the card but we'll see

received my card and called to activate it. Confirmed that the esign up bonus is on the account
Title: Re: Chase Reconsideration
Post by: JEWDA on February 14, 2012, 11:54:59 AM
I recently got approved for co opp with 7,000 CL and denied for UA. Called a few times and got yelled at for calling too many times. Yesterday I had the guts to call one more time and they took 2,000 from co and approved me for UA.All the other times they told me they cant approve UA with a CL less then 5,000.My point never give up!
Title: Re: Chase Reconsideration
Post by: zush12345 on February 14, 2012, 01:16:42 PM
yeah but what should i say?i got 5k on the sp,and they wouldnt budge.is there anything i can say that usually changes their mind?
Title: Re: Chase Reconsideration
Post by: meshugener on February 14, 2012, 01:58:00 PM
My worst situation is when I need to answer them why I'm calling for the 10th time on the same card with no new arguments
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 14, 2012, 02:11:02 PM
yeah but what should i say?i got 5k on the sp,and they wouldnt budge.is there anything i can say that usually changes their mind?
definitely ask for a supervisor, a friend had the same situation as you, they didn't budge, a supervisor approved it right away witout even cutting another cards CL,
keep us posted!
Title: Re: Chase Reconsideration
Post by: mileshocker on February 15, 2012, 11:39:55 PM
Did a 3bm im Nov for SW,SPP,Hyatt instant approval for hyatt pushed other 2 w.recon, just froze experian and trans applied for CO/UA got both approved through recon!
Thanks Dan!
Title: Re: Chase Reconsideration
Post by: JEWDA on February 16, 2012, 09:38:56 AM
Has anyone got approved for less then $5k on SP?
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 16, 2012, 10:07:00 AM
Has anyone got approved for less then $5k on SP?
what makes you think that'll work ?
Title: Re: Chase Reconsideration
Post by: zush12345 on February 16, 2012, 12:40:28 PM
im gonna try it soon,they asked me also why i needed so many cards etc..what do i say about the policy of no more then 1 card every x amount of days?
Title: Re: Re: Chase Reconsideration
Post by: sunhao39685 on February 16, 2012, 01:57:16 PM
I applied the chase amazon cc but they decined me. I called reconsider number and they told me my credit report is good but not long enough.what should I do?
Title: Re: Chase Reconsideration
Post by: Dan on February 16, 2012, 02:09:15 PM
The better question is why apply for the Amazon card?
Title: Re: Chase Reconsideration
Post by: JEWDA on February 16, 2012, 02:14:23 PM
The better question is why apply for the Amazon card?
+100
Title: Re: Chase Reconsideration
Post by: sunhao39685 on February 16, 2012, 03:00:01 PM
The better question is why apply for the Amazon card?
because I get declined couple times and I have read Amaon CC is easy to apply and I wanna build my credit history.
Title: Re: Chase Reconsideration
Post by: bem684 on February 16, 2012, 03:20:19 PM
im gonna try it soon,they asked me also why i needed so many cards etc..what do i say about the policy of no more then 1 card every x amount of days?

I'm not sure what to say in that situation.  My strategy would probably be to keep calling back until I got a rep who didn't say no more than 1 card every x days.
Title: Re: Chase Reconsideration
Post by: JoshW on February 18, 2012, 08:08:11 PM
I'm not sure what to say in that situation.  My strategy would probably be to keep calling back until I got a rep who didn't say no more than 1 card every x days.
Just got approved via reconsideration for SP a mere 2 weeks after getting approved the same way for Freedom. They offered to close my old account this time or transfer credit but last time it just got approved. Time she last CC was not a factor or maybe I got lucky
Title: Re: Chase Reconsideration
Post by: AsherO on February 18, 2012, 08:11:30 PM
im gonna try it soon,they asked me also why i needed so many cards etc..what do i say about the policy of no more then 1 card every x amount of days?

Never heard of such a policy. I've heard of a "2 card per 30 days", but even that isn't a hard limit, i.e. you can usually find a recon rep to override it (albeit with persistence).
Title: Re: Chase Reconsideration
Post by: aryeh1 on February 27, 2012, 12:48:15 AM
What do you guys answer when they ask you why you want the card ?
I said it has great benifits and plan on using it but that didnt do it...
Title: Re: Re: Chase Reconsideration
Post by: Ergel on February 27, 2012, 12:57:54 AM
What do you guys answer when they ask you why you want the card ?
I said it has great benifits and plan on using it but that didnt do it...
Do you say "it has great benefits" or I like the elite status/free bags or other benefit. That usually helps. Or I need a visa card to spend at...
Title: Re: Re: Chase Reconsideration
Post by: aryeh1 on February 27, 2012, 01:02:06 AM
Do you say "it has great benefits" or I like the elite status/free bags or other benefit. That usually helps. Or I need a visa card to spend at...
Well it was a saphire preferred, so it only hasd benifits
Title: Re: Re: Re: Chase Reconsideration
Post by: Ergel on February 27, 2012, 01:20:40 AM
Well it was a saphire preferred, so it only hasd benifits
Say you heard there customer Service is great. No forex fees. Double points on travel. Warranty. Return protection x etc., etc., etc.
Title: Re: Re: Re: Chase Reconsideration
Post by: aryeh1 on February 27, 2012, 01:34:15 AM
Say you heard there customer Service is great. No forex fees. Double points on travel. Warranty. Return protection x etc., etc., etc.
I tried about that, they said their main concern is that the oldest card I have is less than 2 yrs= too short
Title: Re: Chase Reconsideration
Post by: Chaikel on February 27, 2012, 10:15:47 AM
I just say I want the sign up bonus. Never had that reason challenged. Remember you're talking to normal Americans, who are just trying to understand why you are applying.
Title: Re: Re: Re: Re: Chase Reconsideration
Post by: Ergel on February 27, 2012, 10:17:29 AM
I tried about that, they said their main concern is that the oldest card I have is less than 2 yrs= too short
Well then telling them why you want the card won't really help.
That helps when you have too many cards
Title: Re: Chase Reconsideration
Post by: TC610 on February 27, 2012, 02:22:34 PM
I just say I want the sign up bonus. Never had that reason challenged.

I got shot down for using that reason.  The analyst said they won't approve me just because I wanted bonus points. 
Title: Re: Chase Reconsideration
Post by: Drago on February 27, 2012, 03:18:16 PM
I just say I want the sign up bonus. Never had that reason challenged. Remember you're talking to normal Americans, who are just trying to understand why you are applying.

They may be 'normal', but it's Chase's job to turn them into skeptical robots.
Title: Re: Chase Reconsideration
Post by: aryeh1 on February 28, 2012, 02:42:27 PM
Recon said they cant approve the saphire, since they havent seen big balances on my other ( amex) cards...
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 28, 2012, 03:04:41 PM
Recon said they cant approve the saphire, since they havent seen big balances on my other ( amex) cards...
call again. or talk to a supervisor, ull get it pushed through no time.
Title: Re: Re: Chase Reconsideration
Post by: aryeh1 on February 28, 2012, 03:08:10 PM
call again. or talk to a supervisor, ull get it pushed through no time.
With a credit history of less than 2 yrs?
Title: Re: Re: Chase Reconsideration
Post by: creditor on February 28, 2012, 03:10:19 PM
Recon said they cant approve the saphire, since they havent seen big balances on my other ( amex) cards...
call again. or talk to a supervisor, ull get it pushed through no time.
Title: Re: Chase Reconsideration
Post by: rcarentals on February 28, 2012, 03:57:52 PM
i had an amex for under 2 yrs, it was a charge card.
this feb /2012 i got approved for a chase saphire 5k and continental 2k
i admit i called twice for the saphire. the continental was really interesting though
i called 3 times till they agreed to send it in for approval, the reason they didnt want to approve mae at first was b/c i have little history with credit cards and the highest my limit was used was apparently 2500$ although i have a charge card and i have spent over 10k in a month no problem. but it seems that what amex reported..
they put it through for 2k and it went into pending and then got declined, i called 2 more times to convince someone to try again for 1k until he tried and it too got declined by the system. i waited a few days and called again, this time it went through for 2k.
my convincing argument was always "i understand i have little history outside of amex but i didnt need to, they treated me gr8 and i had no limit on my credit, the only reason i want to move by business to chase is for the continental miles. as of sep 30, they dont transfer so UR is in my interests, even with your cards starting off with small limits like 3-4k is ridiculous, but i dont care i'll wait a few months, show them i am a good customer and need more credit and move my 20k monthly spending to chase.. "
Title: Re: Chase Reconsideration
Post by: askmoses on February 28, 2012, 05:16:08 PM
I just got approved for the CO onepass... Do you think I have any chance of them matching the 50k offer after this card closes tomorrow????
Title: Re: Chase Reconsideration
Post by: JEWDA on February 28, 2012, 05:32:40 PM
I just got approved for the CO onepass... Do you think I have any chance of them matching the 50k offer after this card closes tomorrow????
It doesnt hurt to give it a try.
Title: Re: Chase Reconsideration
Post by: askmoses on February 28, 2012, 05:53:12 PM
It doesnt hurt to give it a try.
True... but I didn't even receive the card yet! Hope It'll come through. In this case would you suggest calling or just SM?
Title: Re: Chase Reconsideration
Post by: JEWDA on February 28, 2012, 09:20:38 PM
True... but I didn't even receive the card yet! Hope It'll come through. In this case would you suggest calling or just SM?
As long as it shows up online you could send them an SM. I did it last week and they gave it to me.
Title: Re: Chase Reconsideration
Post by: aryeh1 on February 28, 2012, 09:28:21 PM
They said I have to call chase verification 800 278 8830 before they can process the cards. Anyone ever have this?
Title: Re: Chase Reconsideration
Post by: Chaikel on February 29, 2012, 03:16:32 AM
They said I have to call chase verification 800 278 8830 before they can process the cards. Anyone ever have this?
Happened to my wife. It's not a big deal. They just ask you a bunch of random questions to make sure its not ID theft
Title: Re: Chase Reconsideration
Post by: Jkhein on February 29, 2012, 03:50:20 AM
Happened to my wife. It's not a big deal. They just ask you a bunch of random questions to make sure its not ID theft
+1, happens often.
Title: Re: Chase Reconsideration
Post by: aryeh1 on February 29, 2012, 07:47:02 AM
+1, happens often.

I applied for my father...hope its ok
Title: Re: Chase Reconsideration
Post by: aj26 on February 29, 2012, 08:53:42 AM
I've called chase 3 times in past 7 months for recon. everytime, I have spoken to some guy Rob named.  7 months ago he approved me but the last two times said no. Do they have anyone else working there?
It gets annoying giving my whole presentation about why I have all my cards and being turned down because "credit history not long enough and opened 7 cards opened in teh past year"
Title: Re: Chase Reconsideration
Post by: sky121 on February 29, 2012, 09:20:58 AM
I've called chase 3 times in past 7 months for recon. everytime, I have spoken to some guy Rob named.  7 months ago he approved me but the last two times said no. Do they have anyone else working there?
It gets annoying giving my whole presentation about why I have all my cards and being turned down because "credit history not long enough and opened 7 cards opened in teh past year"

That sounds pretty crazy. Maybe try a different number.
Title: Re: Chase Reconsideration
Post by: AJK on February 29, 2012, 09:32:34 AM
...or call at different times/over the weekend...
Title: Re: Chase Reconsideration
Post by: meshugener on February 29, 2012, 10:51:56 AM
Cute dreams...
Title: Chase Freedom Rejection?
Post by: sun365 on February 29, 2012, 03:09:36 PM
I was rejected for a Chase Freedom card because of too many inquiries. I currently have a number of cards, esp with Chase. My credit score certainly north of 750 and maybe over 800, I have not checked recently. I wanted to get this card only for the $200 you get after spending some money on the card. (I usually just buy a cash card to a store like Costco where I know I will end up using it over the next few weeks.)
My question is whether there is a way to appeal to them to approve me, maybe by taking some credit off another card I have with them or is this pretty much a lost case?
Thanks
Title: Re: Chase Freedom Rejection?
Post by: LAXtraveler on February 29, 2012, 03:10:34 PM
Sorry about the rejection. Check out the Chase Reconsideration thread. Good luck!
Title: 3 bm with chase
Post by: jblack on February 29, 2012, 06:11:00 PM
i just tried a 3 bm with chase and got pending for all 3 (never didn't get instant approval in past) how long do i wait before calling to push? who do i call? and is there any chance that this wont be 3 pulls? thanks!
Title: Re: 3 bm with chase
Post by: JEWDA on February 29, 2012, 06:34:52 PM
If you submited them all at the same time it should be only 1 pull. Call Chase: 800-432-3117 (Application status)
Title: Re: 3 bm with chase
Post by: ae123 on February 29, 2012, 06:38:29 PM
If they were each submitted 30 seconds apart, would that be 1 pull or 3 pulls?
Title: Re: 3 bm with chase
Post by: AsherO on February 29, 2012, 06:49:02 PM
If they were each submitted 30 seconds apart, would that be 1 pull or 3 pulls?

For consumer apps  and no frozen reports, it's typically 1 pull, but YMMV.
Title: Re: 3 bm with chase
Post by: ae123 on February 29, 2012, 06:53:34 PM
Thanks AsherO.
Well, they were consumer cards - not business - and I haven't had frozen credit in the past.....so I hope it's only one pull.
By the way, is there a way to know if it was 1 or 3 pulls?
Title: Re: 3 bm with chase
Post by: AsherO on February 29, 2012, 06:57:37 PM
Thanks AsherO.
Well, they were consumer cards - not business - and I haven't had frozen credit in the past.....so I hope it's only one pull.
By the way, is there a way to know if it was 1 or 3 pulls?

Wait a few days, then sign up for identitymonitor 3-in-1, cost $1 as long as you cancel for 30 days.

(use Google and/or DDF search for more info, this has already been discussed here countless times).
Title: Re: 3 bm with chase
Post by: ae123 on February 29, 2012, 07:12:18 PM
Thank you.
Title: Re: 3 bm with chase
Post by: jblack on March 01, 2012, 12:49:39 PM
i just checked status and was told 7-10 on 2 aps and 2 weeks on third when should i call reconsideration? is there any one else i should call?
Title: Re: 3 bm with chase
Post by: JEWDA on March 01, 2012, 12:53:43 PM
i just checked status and was told 7-10 on 2 aps and 2 weeks on third when should i call reconsideration? is there any one else i should call?
Call recon. for the ones that say 7-10
Title: Re: 3 bm with chase
Post by: LAXtraveler on March 01, 2012, 12:58:16 PM
Just did a small 2BM for my wife: got an instant approval on one and a wait 10 days on the other.

The only worry is that the 10 day one was for the UA Explorer. She already has a CO OPP and apparently tomorrow they are going to be automatically converted. Is it worth it to call today and cancel it and move her line over to another Chase card before the auto conversion?
Title: Re: 3 bm with chase
Post by: yitzf on March 01, 2012, 01:50:28 PM
Call recon. for the ones that say 7-10
good call
Call in their Automated system. if they say "your application is now being reviewed, we'll notify you in writing in aprox. 2 weeks then you have good chances to get approved, if they say: "7-10 business days", this means that you are denied, and you can call reconsideration right away.
This is a awesome method, i've tried it tons of times, and i found it to be very accurate.
Title: Re: 3 bm with chase
Post by: ae123 on March 01, 2012, 03:21:24 PM
I did a 3bm yesterday and called in today and the recording said about all three "your application is now being reviewed, we'll notify you 7-10 business days".
I called recon, they said one was pending and the other two were denied. They said that after the pending one goes through (7-10 days) I can call back and maybe get 1 of the other 2 to go through.
Any advice?
Title: Re: Chase Reconsideration
Post by: asks on March 01, 2012, 03:50:17 PM
Just wanted to give a big thanks to all DDF'ers for continuous great advice and tips in the forums!
Last week got 2 rejection letters from Chase (SP and Freedom).  called the reconsideration line and  got a CS rep who was way too excited about my having 18+ requests for credit in the past bunch of months and said it would be absolutely impossible to get the SP opened, after keeping me waiting for a painfully long time.
  I offered to close one or two other Chase cc's and move the CL's over and again, he was a brick wall...absolutely not he said bec he was soooo concerned about my " too many requests for credit"...I thanked him anyway and hung up the phone. Next call was to the credit anaslyst reconsideration line and voila!, in less than 7 minutes a got approval and expedited delivery of the card! Same thing with Freedom card, on its way.
Title: Re: Chase Reconsideration
Post by: TC610 on March 01, 2012, 03:53:20 PM
in less than 7 minutes a got approval and expedited delivery of the card! Same thing with Freedom card, on its way.

Congratulations!  Did you get both approved by the same analyst, or did you hang up and try with a new analyst for the Freedom?
Title: Re: Chase Reconsideration
Post by: AsherO on March 01, 2012, 03:53:53 PM
Just wanted to give a big thanks to all DDF'ers for continuous great advice and tips in the forums!
Last week got 2 rejection letters from Chase (SP and Freedom).  called the reconsideration line and  got a CS rep who was way too excited about my having 18+ requests for credit in the past bunch of months and said it would be absolutely impossible to get the SP opened, after keeping me waiting for a painfully long time.
  I offered to close one or two other Chase cc's and move the CL's over and again, he was a brick wall...absolutely not he said bec he was soooo concerned about my " too many requests for credit"...I thanked him anyway and hung up the phone. Next call was to the credit anaslyst reconsideration line and voila!, in less than 7 minutes a got approval and expedited delivery of the card! Same thing with Freedom card, on its way.

18 requests in how many months? What is that about? How many cards do you have?
Title: Re: Chase Reconsideration
Post by: asks on March 01, 2012, 03:54:20 PM
Congratulations!  Did you get both approved by the same analyst, or did you hang up and try with a new analyst for the Freedom?
Different analyst, was just as easy a process....didnt wanna push my luck trying for two at one shot.
Title: Re: Chase Reconsideration
Post by: asks on March 01, 2012, 03:54:50 PM
18 requests in how many months? What is that about? How many cards do you have?

A little less than a years time
Title: Re: Chase Reconsideration
Post by: bubbles on March 01, 2012, 04:06:53 PM
Anyone have experience getting denied for a chase business card for too little established credit? I got approved for the freedom but I am hitting a brick wall trying to push my IB app thru. Offering to move over credit isn't working on them in this case.
Title: Re: Chase Reconsideration
Post by: JEWDA on March 01, 2012, 07:17:16 PM
Just wondering what's the diff between credit analysts and reconsideration?
Title: Re: Chase Reconsideration
Post by: meshugener on March 01, 2012, 08:33:46 PM
I have an inner feeling its the same thing with different 800 number...
Title: Re: Chase Reconsideration
Post by: PETERP on March 01, 2012, 08:39:15 PM
I have an inner feeling its the same thing with different 800 number...

Now I am glad I didn't ask or answer.  ;D
Title: Re: Chase Reconsideration
Post by: Dan on March 01, 2012, 08:39:57 PM
I have an inner feeling its the same thing with different 800 number...
Do you find your inner feelings to be wrong fairly often?
Title: Re: Chase Reconsideration
Post by: JEWDA on March 01, 2012, 08:42:17 PM
Do you find your inner feelings to be wrong fairly often?
+1 I have an inner feeling that your inner feeling is wrong :D
Title: Re: Chase Reconsideration
Post by: Dan on March 01, 2012, 08:47:56 PM
At any rate there's a lot of anecdotal evidence that people have luck with one department and not the other.

The latest was just posted today and I have read from others saying the exact opposite: http://www.dansdeals.com/archives/18031/comment-page-2#comment-111462
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 01, 2012, 09:32:23 PM
Just wondering If I closed a card to open a new card, can I call chase to reopen that closed card? or bad idea. Because I have cancelled cards in the past which they readily reopened.
Title: Re: Chase Reconsideration
Post by: meshugener on March 01, 2012, 09:50:57 PM
Is this a step-by-step process or you can try recon after a no go with cred anal?
Title: Re: Chase Reconsideration
Post by: bem684 on March 01, 2012, 10:30:54 PM
....or you can try recon after a no go with cred anal?

Oh come on, did you REALLY feel that of all the words your could abbreviate in that sentence, analyst was the best choice?  lol
Title: Re: Chase Reconsideration
Post by: AJK on March 02, 2012, 09:39:29 AM
At any rate there's a lot of anecdotal evidence that people have luck with one department and not the other.

The latest was just posted today and I have read from others saying the exact opposite: http://www.dansdeals.com/archives/18031/comment-page-2#comment-111462

I can second that notion: one worked for me after being repeatedly rejected by the other.
Title: Chase Reconsideration
Post by: bubbles on March 02, 2012, 09:44:06 AM
I can second that notion: one worked for me after being repeatedly rejected by the other.

Is there a second number to call for business recon?
Title: Re: Chase Reconsideration
Post by: AJK on March 02, 2012, 09:54:44 AM
Is there a second number to call for business recon?

Don't know of one.
Title: Re: Chase Reconsideration
Post by: rcarentals on March 02, 2012, 04:54:20 PM
chase recon is so sweet!
i just got approved finally for the 3rd credit card in my 3bm now erev shabbos- lechovod shabbos lol!
my saphire preffered was for the minimum -5k
CO onepass 2k
and just now 1st try on the united world MC -5k!
with only 1 amex PRG for 1yr until now! and i'm 20yrs old. so pretty much noo history besides a long history of declined applications :)
well now time to wait and see if United puts out a better card to match for? or if i got grandfathered into this. :) well anyway good shabbos!
Title: Re: Re: Chase Reconsideration
Post by: sky121 on March 02, 2012, 04:58:36 PM
chase recon is so sweet!
i just got approved finally for the 3rd credit card in my 3bm now erev shabbos- lechovod shabbos lol!
my saphire preffered was for the minimum -5k
CO onepass 2k
and just now 1st try on the united world MC -5k!
with only 1 amex PRG for 1yr until now! and i'm 20yrs old. so pretty much noo history besides a long history of declined applications :)
well now time to wait and see if United puts out a better card to match for? or if i got grandfathered into this. :) well anyway good shabbos!
That's pretty great with that kind of history.  Enjoy.
Title: Re: Re: Chase Reconsideration
Post by: bem684 on March 03, 2012, 09:31:30 PM
That's pretty great with that kind of history.  Enjoy.

Yeah you got very lucky.  I would advise you to be very careful while you build your credit.
Title: Re: Chase Reconsideration
Post by: meshugener on March 03, 2012, 11:07:19 PM
At any rate there's a lot of anecdotal evidence that people have luck with one department and not the other.

The latest was just posted today and I have read from others saying the exact opposite: http://www.dansdeals.com/archives/18031/comment-page-2#comment-111462
I'm not convicted that the luck he/she had is a result of trying a different 800 number, it could be result of getting a different CSR, who knows? There is no way to prove that. When you call one number after being declined by another, they always tell you that they see you called already for reconsideration, even you asked for it at the other 800 number.
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 03, 2012, 11:29:10 PM
I'm not convicted that the luck he/she had is a result of trying a different 800 number, it could be result of getting a different CSR, who knows? There is no way to prove that. When you call one number after being declined by another, they always tell you that they see you called already for reconsideration, even you asked for it at the other 800 number.

So is there a point in calling again if they see that you called already?
 
I couldnt get them to approve my 3rd card being that they approved 2 and have a short credit history.
Title: Re: Chase Reconsideration
Post by: rcarentals on March 03, 2012, 11:38:26 PM
+1 its all dependant on the CSR not the number...
there were CSR that really thoroughly ask questions and stuff.. but for my last card the guy barely spoke to me, just approved 5k and done. no questions bout my job or anything..
Title: Re: Chase Reconsideration
Post by: meshugener on March 04, 2012, 01:00:30 AM
So is there a point in calling again if they see that you called already?
 
I couldnt get them to approve my 3rd card being that they approved 2 and have a short credit history.
for some reason the almost always tell you how many times you called before. But it dosent matter, a nice CSR will always be happy to help you. (unless you have bad luck to always bump into the same CSR which could make him a bit nervous, I guess...)
Title: Re: Chase Reconsideration
Post by: Dan on March 04, 2012, 01:20:19 AM
I'm not convicted that the luck he/she had is a result of trying a different 800 number, it could be result of getting a different CSR, who knows? There is no way to prove that. When you call one number after being declined by another, they always tell you that they see you called already for reconsideration, even you asked for it at the other 800 number.
I'm not sure what crimes you've been convicted of other than being poor at the recon game by your own admission:

I mean no go it will be "very very" hard to push it through recon, but if 2 weeks, recon might help
Just my experience with various cards and a few ppl. When they said 7-10 (for decision, not "7-10 to receive card in mail) I never had success for approval, and they told me its "automatically" denied by the system, but when they said 2 weeks for decision I got easy approvals or after calling recon a few times. If experience matter.

As I've said I've seen enough anecdotal evidence from people who have tried multiple times with one department and who have success on the first try from the other department to believe that these are indeed 2 different departments.
Title: Re: Chase Reconsideration
Post by: meshugener on March 04, 2012, 08:45:14 AM
Ha ha. Here you should apply AsherO's signature: I'm not responsible bla bla bla...
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 04, 2012, 01:10:52 PM
it seems they notate everytime you call. They know that you called before.
Title: Re: Chase Reconsideration
Post by: smurf on March 04, 2012, 05:37:43 PM
it seems they notate everytime you call. They know that you called before.
They definitely know that you called. the trick is to give them a knew reason for our call.
Title: Re: Re: Chase Reconsideration
Post by: Ergel on March 04, 2012, 05:42:21 PM
They definitely know that you called. the trick is to give them a knew reason for our call.
As I noted before if you get them to send you a rejection letter that will extend your application for 30 days and at that point you can call with no qualms
Title: Re: Chase Reconsideration
Post by: TC610 on March 05, 2012, 03:22:16 PM
They definitely know that you called. the trick is to give them a knew reason for our call.

Whenever I'm asked why I'm calling multiple times, I say "the previous rep I talked to told me to call back if I was able to give some more information".  My "more information" is almost always just repeating whatever I told the last rep, and it usually works.
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 03:27:57 PM
After you get approved for a personal card, how long does it take for the card to appear in your Chase online profile? Or do you have to do that manually when activating it?
Title: Re: Chase Reconsideration
Post by: JEWDA on March 05, 2012, 03:29:10 PM
After you get approved for a personal card, how long does it take for the card to appear in your Chase online profile? Or do you have to do that manually when activating it?
If you signed up from your chase acc. it should show up about a day after its aproved.
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 03:31:57 PM
I chose the No option when it asked me if I had a chase account to speed up filling in the account information.

So I won't see it in my chase.com profile until I activate then?
Title: Re: Chase Reconsideration
Post by: meshugener on March 05, 2012, 03:37:15 PM
Why did you choose the "no" option? Any benefit by doing that? (besides keeping busy)
Title: Re: Chase Reconsideration
Post by: JEWDA on March 05, 2012, 03:38:47 PM
I chose the No option when it asked me if I had a chase account to speed up filling in the account information.

So I won't see it in my chase.com profile until I activate then?
Thats my guess.
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 03:42:25 PM
Why did you choose the "no" option? Any benefit by doing that? (besides keeping busy)

I thought it helped approval chances?
Title: Re: Chase Reconsideration
Post by: gozalim on March 05, 2012, 03:49:41 PM
I thought it helped approval chances?
only if you're churning
Title: Re: Chase Reconsideration
Post by: Dan on March 05, 2012, 03:50:46 PM
I thought it helped approval chances?
It does and it will show up in your account just the same as answering otherwise.
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 04:02:08 PM
I applied late at night on Friday, and it still hasn't show up in my Chase.com profile. Should I be worried?

It was a Saph Pref Visa and it gave me instant approval even though I already have a Saph Regular WMC.
Title: Re: Chase Reconsideration
Post by: Dan on March 05, 2012, 04:04:00 PM
Should I be worried?
No.
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?
Title: Re: Chase Reconsideration
Post by: HelpMe on March 05, 2012, 04:12:55 PM
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?
This form does not have a lock on lack of patience.  ;)
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 04:14:14 PM
No.
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?

Good point, I'll try and practice more patience and less worrying in the future.
Title: Re: Chase Reconsideration
Post by: AJK on March 05, 2012, 04:29:55 PM
Whenever I'm asked why I'm calling multiple times, I say "the previous rep I talked to told me to call back if I was able to give some more information".  My "more information" is almost always just repeating whatever I told the last rep, and it usually works.

Not sure why I didn't think of this on my own, but great idea.

No.
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?

Nope (http://forums.dansdeals.com/index.php?topic=3802.msg166130#msg166130) :P
Title: Re: Re: Chase Reconsideration
Post by: Ergel on March 05, 2012, 04:30:41 PM
No.
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?
I have thought this for a long time
Title: Re: Chase Reconsideration
Post by: asks on March 05, 2012, 04:32:06 PM
hi i just pressed the submit button, but i didnt see my $200 airline credit yet, should I worry yet?! haha
Title: Re: Chase Reconsideration
Post by: PETERP on March 05, 2012, 04:47:52 PM
hi i just pressed the submit button, but i didnt see my $200 airline credit yet, should I worry yet?! haha


Yes! And do it in a  very impatient way  :D
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 05, 2012, 07:48:25 PM

I recently did a 3bm for a friend of mine. The 3 were SP, CO, UA.

We got the SP and UA approved last week.

I just called for the CO, and after giving them the reference number, they said it's an app for the mileage plus card and I already have that - in fact I just got approved for it last week!

Any idea what I should tell them for a reason why he needs two MP cards?
Thanx
Title: Re: Chase Reconsideration
Post by: zale on March 05, 2012, 08:02:17 PM
I recently did a 3bm for a friend of mine. The 3 were SP, CO, UA.

We got the SP and UA approved last week.

I just called for the CO, and after giving them the reference number, they said it's an app for the mileage plus card and I already have that - in fact I just got approved for it last week!

Any idea what I should tell them for a reason why he needs two MP cards?
Thanx

Yes, I had this same issue. Just tell them that you need a Mastercard, and the first MP card that you have is a Visa. You need a MC because it provides some overseas insurances that Visa does not.

I told them this and they approved my CO card.
Title: Re: Chase Reconsideration
Post by: Dan on March 05, 2012, 08:02:36 PM
Visa and MasterCard.
Title: Re: Chase Reconsideration
Post by: sky121 on March 05, 2012, 08:03:13 PM
Yes, I had this same issue. Just tell them that you need a Mastercard, and the first MP card that you have is a Visa. You need a MC because it provides some overseas insurances that Visa does not.

I told them this and they approved my CO card.

Did you get the bonus for both cards? I hope people don't have issues now.
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 05, 2012, 08:18:00 PM
Yes, I had this same issue. Just tell them that you need a Mastercard, and the first MP card that you have is a Visa. You need a MC because it provides some overseas insurances that Visa does not.

I told them this and they approved my CO card.
Visa and MasterCard.

Thanx

My next problem is that I didn't put down ff #'s on the applications. The applicant doesn't have an ff account so I figured ill just let chase open one CO ff acct and one UA ff acct.

Now that its combined, they aren't going to open a new ff # for the 2nd application.

Is there any way to add a ff # on to an app that has been declined? 
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 08:30:52 PM
No.
Am I the only person who finds the utter lack of patience by folks on this forum (in general, not talking to anyone specifically) to be mind-boggling?

lol it showed up in my account just now, and with a much larger credit limit than I was expecting. Chase has always been stingy with me, maybe I've turned a corner in their book?
Title: Re: Chase Reconsideration
Post by: compddd on March 05, 2012, 09:16:30 PM
The Sapphire Preferred is a NPSL card? What?

They've never given me anything over a 5k limit for any Visa Signature card with them until now.
Title: Re: Chase Reconsideration
Post by: bubbles on March 05, 2012, 09:16:36 PM
not neccesarily. this is a NPSL card and often has very high lines

AFAIK that changed some while ago
Title: Re: Chase Reconsideration
Post by: AJK on March 05, 2012, 09:19:15 PM
The Sapphire Preferred is a NPSL card? What?

Yep, mine is.
Title: Re: Chase Reconsideration
Post by: bubbles on March 05, 2012, 09:20:01 PM
Yep, mine is.

have you checked recently?
Title: Re: Chase Reconsideration
Post by: AJK on March 05, 2012, 09:20:55 PM
have you checked recently?

Meaning what?

EDIT: Like have I checked my CR to see if a limit is being reported? No...

I just mean to say that Chase has allowed me to go over my limit considerably.
Title: Re: Chase Reconsideration
Post by: bubbles on March 05, 2012, 09:22:09 PM
Meaning what?

My card changed and they started reporting the limit awhile ago
Title: Re: Chase Reconsideration
Post by: gozalim on March 05, 2012, 09:22:30 PM
The Sapphire Preferred is a NPSL card? What?

They've never given me anything over a 5k limit for any Visa Signature card with them until now.
correction, confused with CO OPP.
offending post removed.
Title: Re: 3 bm with chase
Post by: ae123 on March 05, 2012, 10:52:05 PM
I did a 3bm (Chase) on Feb. 29 (SP Visa, CO, & United) and was denied all three. (Because of to many applications).
I called recon. and got Sapphire approved. (They took $5000 credit from an existing card).
I called an hour later and got CO approved.(They again took $5000 credit from an existing card).
I waited a few days and called to get United approved and was told there is no way they can approve 3 new cards. I offered closing another account (Sapphire WMC) and/or shifting credit, to no avail.
I called again the same day and was told quite strongly that I was already told no by another rep., and I can't call twice in one day.
Any advice? Thanks!
Title: Re: 3 bm with chase
Post by: JEWDA on March 05, 2012, 10:59:42 PM
I did a 3bm (Chase) on Feb. 29 (SP Visa, CO, & United) and was denied all three. (Because of to many applications).
I called recon. and got Sapphire approved. (They took $5000 credit from an existing card).
I called an hour later and got CO approved.(They again took $5000 credit from an existing card).
I waited a few days and called to get United approved and was told there is no way they can approve 3 new cards. I offered closing another account (Sapphire WMC) and/or shifting credit, to no avail.
I called again the same day and was told quite strongly that I was already told no by another rep., and I can't call twice in one day.
Any advice? Thanks!
Check out chase reconsideration thread.
Title: Re: Chase Reconsideration
Post by: ae123 on March 05, 2012, 11:06:06 PM
I did, and couldn't find anyone else with my situation.
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 12:10:57 AM
I just mean to say that Chase has allowed me to go over my limit considerably.

That might not have anything to do with NPSL. I've got my SP at double the $5k (now that Amex shut me down), and Chase is still letting me swipe. I've paid some off at the $6k point, but my available remained at $0 and I've spent another $3-5k since.
Title: Re: Chase Reconsideration
Post by: AJK on March 06, 2012, 09:51:09 AM
That might not have anything to do with NPSL. I've got my SP at double the $5k (now that Amex shut me down), and Chase is still letting me swipe. I've paid some off at the $6k point, but my available remained at $0 and I've spent another $3-5k since.

A good data point, but how does that show that the CSP is not NPSL?
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 05:34:52 PM
A good data point, but how does that show that the CSP is not NPSL?

Mine shows a $5,000 CL, can it still be NPSL?
Title: Re: Chase Reconsideration
Post by: Jkhein on March 06, 2012, 05:42:20 PM
Mine shows a $5,000 CL, can it still be NPSL?
Yes, the 5k is just a credit line not credit limit, meaning you can go over but must pay that part in full by the due date.
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 05:43:35 PM
Yes, the 5k is just a credit line not credit limit, meaning you can go over but must pay that part in full by the due date.

Is there anything on my statement that indicates one way or another?
Title: Re: Chase Reconsideration
Post by: HelpMe on March 06, 2012, 05:47:34 PM
Yes, the 5k is just a credit line not credit limit, meaning you can go over but must pay that part in full by the due date.
Many did this with the AARP card and charging more in one month that the stated credit limit is the reason they gave for the card being shut down.
Title: Re: 3 bm with chase
Post by: ae123 on March 06, 2012, 06:45:05 PM
I did a 3bm (Chase) on Feb. 29 (SP Visa, CO, & United) and was denied all three. (Because of to many applications).
I called recon. and got Sapphire approved. (They took $5000 credit from an existing card).
I called an hour later and got CO approved.(They again took $5000 credit from an existing card).
I waited a few days and called to get United approved and was told there is no way they can approve 3 new cards. I offered closing another account (Sapphire WMC) and/or shifting credit, to no avail.
I called again the same day and was told quite strongly that I was already told no by another rep., and I can't call twice in one day.
Any advice? Thanks!

Well, I called recon again today and got the 3rd card approved by closing my Sapphire WMC!
Before I get chided for talking to myself, I'm writing to help the next guy/gal who may be in a similar situation.
Title: Re: Chase Reconsideration
Post by: Jkhein on March 06, 2012, 06:57:23 PM
Is there anything on my statement that indicates one way or another?
Dont have a statement in from of me right now, but perhaps if it says available credit "line" instead of credit "limit" than its an indication. If not a quick phonecall to the really great SP CS will confirm it to you, the same way as they did to me, and it sounded as its a standard with all of these cards.
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 07:07:22 PM
Dont have a statement in from of me right now, but perhaps if it says available credit "line" instead of credit "limit" than its an indication. If not a quick phonecall to the really great SP CS will confirm it to you, the same way as they did to me, and it sounded as its a standard with all of these cards.

It's called a "Credit Access Line". I'm quite confident it's not an NPSL (Charge) card, since it doesn't require payment in full, it has the regular minimum payment due verbiage, and only requires a small fraction of the statement balance to be paid in full by the due date.
Title: Re: Chase Reconsideration
Post by: Chaikel on March 06, 2012, 07:12:30 PM
I'm quite confident it's not an NPSL (Charge) card, since it doesn't require payment in full
I don't believe those are dependent of each other
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 07:14:44 PM
I don't believe those are dependent of each other

So if it has a CL, and doesn't require pmt in full, in what sense is it an NPSL? Just that they allow me to go over the CL? IIRC Amex credit allows it too.
Title: Chase Reconsideration
Post by: bubbles on March 06, 2012, 07:24:41 PM
So if it has a CL, and doesn't require pmt in full, in what sense is it an NPSL? Just that they allow me to go over the CL? IIRC Amex credit allows it too.

The SP used to be a NPSL in the sense that the CL was unofficial and wasn't reported to the CBs but that has changed
Title: Re: Chase Reconsideration
Post by: HelpMe on March 06, 2012, 07:29:03 PM
The SP used to be a NPSL in the sense that the CL was unofficial and wasn't reported to the CBs but that has changed
Didn't Chase change their policy so now all CC's report the CL?
Title: Re: Chase Reconsideration
Post by: Chaikel on March 06, 2012, 07:40:06 PM
So if it has a CL, and doesn't require pmt in full, in what sense is it an NPSL? Just that they allow me to go over the CL? IIRC Amex credit allows it too.
The CL is the amount of revolving credit available, anything over that must be paid by bill due date. I believe it is stated somewhere on Chase's site

EDIT: yup it's on the bottom of the "My Accounts" page
Title: Re: Chase Reconsideration
Post by: PETERP on March 06, 2012, 07:42:19 PM
Dont have a statement in from of me right now, but perhaps if it says available credit "line" instead of credit "limit" than its an indication. If not a quick phonecall to the really great SP CS will confirm it to you, the same way as they did to me, and it sounded as its a standard with all of these cards.


I hear ya . Good data point for future reference

Thanks
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 07:43:01 PM
The CL is the amount of revolving credit available, anything over that must be paid by bill due date. I believe it is stated somewhere on Chase's site

EDIT: yup it's on the bottom of the "My Accounts" page

But that doesn't make it NPSL. I don't remember how it's reported on my credit.
Title: Re: Chase Reconsideration
Post by: Chaikel on March 06, 2012, 07:45:15 PM
But that doesn't make it NPSL. I don't remember how it's reported on my credit.
I think one of us is not understanding the other
Quote
If your account currently has no pre-set spending limit, the "Available credit" is the amount of your "Credit Access Line" currently available for use, and your "Total credit limit" is the total amount of your "Credit Access Line" as defined within your Cardmember Agreement.
Title: Re: Chase Reconsideration
Post by: AsherO on March 06, 2012, 07:48:33 PM
I think one of us is not understanding the other

Quote
If your account currently has no pre-set spending limit, the "Available credit" is the amount of your "Credit Access Line" currently available for use, and your "Total credit limit" is the total amount of your "Credit Access Line" as defined within your Cardmember Agreement.

Does that mean that if I don't have a "Total credit limit" then it isn't NPSL? Because I don't see anything like that on my statement.
Title: Re: Chase Reconsideration
Post by: HelpMe on March 06, 2012, 07:48:40 PM
EDIT: yup it's on the bottom of the "My Accounts" page
Is this for your personal card or just business?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 06, 2012, 08:22:39 PM
lol I called a few times for my wife and they wanted to know why I keep calling and dont take NO as an answer.
Title: Re: Chase Reconsideration
Post by: Jkhein on March 07, 2012, 03:01:52 AM
It's called a "Credit Access Line". I'm quite confident it's not an NPSL (Charge) card, since it doesn't require payment in full, it has the regular minimum payment due verbiage, and only requires a small fraction of the statement balance to be paid in full by the due date.
Only if you go over the access credit line, do you than have to pay that overage in full, otherwise you indeed have to pay just the small minimum payments.
Title: Re: Chase Reconsideration
Post by: Jkhein on March 07, 2012, 03:02:51 AM
credit limit
well MAYBE the difference is indeed if they exceeded their credit limit or credit line, which as CS told me is no problem at all as long as its paid in full by the due date, VS. Passing a credit limit, which is also possible, but not allowed. 
Title: Re: Chase Reconsideration
Post by: Chaikel on March 07, 2012, 03:23:17 AM
Is this for your personal card or just business?
I dont have any Chase biz cards
Title: Re: Chase Reconsideration
Post by: db123 on March 07, 2012, 09:22:41 AM
did a 2bm sapphire and explorer, sapphire instant for 10k, 10 days later called recon for explorer a few questions and had option to close a  ba card or move 5 from new sapphire took 2nd option. will use ba card as leverage later on as annual fee is due in a month or 2 either way. first time applied for more than 1 card at same time. thx dan for all ur info!
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 07, 2012, 10:27:41 AM
when doing a chase recon, is it better to ask for a higher or lower credit line? also with the 3bm, you do it so they pull the report once (if i am not mistaken), so would i get declined because of too many requests for credit? (I applied for 3 chase cc (continental, united and sapphire). Also, she was not too happy that I said i wanted the bonus miles (I had read somewhere here that someone did it but i guess that was a no. it worked when i said i needed a visa and mastercard.) Either way, she was only able to approve one she said so i went for the continental at a 20k credit line. what are your thoughts and opinions?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 07, 2012, 10:57:20 AM
If I would close my card to get a new card before the bonus posted will I still get it?  Because  it says after the first purchase.
Title: Re: Re: Chase Reconsideration
Post by: sky121 on March 07, 2012, 11:08:18 AM
If I would close my card to get a new card before the bonus posted will I still get it?  Because  it says after the first purchase.

Which card do you want to close? I doubt you would. You MIGHT depending in the timing.
Title: Re: Re: Chase Reconsideration
Post by: aryeh1 on March 07, 2012, 11:11:57 AM
Which card do you want to close? I doubt you would. You MIGHT depending in the timing.

I got approved for the co opp card 2 weeks ago, statement closes in a week but cant get them to open the united card unless i would close down the co opp. Thinking of waiting after the statement closes and calling back. Im also wondering if i would still be able to match on the co opp as they will only match once i receive the initial bonus.
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 07, 2012, 11:14:49 AM
Recon just told me that I'm not allowed to have two united cards even though the one I have is a visa and the app is for a MasterCard. How do I tell her that she's misinformed?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 07, 2012, 11:16:26 AM
Recon just told me that I'm not allowed to have two united cards even though the one I have is a visa and the app is for a MasterCard. How do I tell her that she's misinformed?
call again
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 07, 2012, 11:19:31 AM
call again

I sure will. I'm just nervous that she noted the account and the next rep will see her notes.

She offered to swap the cards but I didn't get the bonus yet on the first card.
Title: Re: Re: Chase Reconsideration
Post by: JEWDA on March 07, 2012, 11:33:08 AM
Which card do you want to close? I doubt you would. You MIGHT depending in the timing.
And what if the statement closed already but points didn't post yet?
Title: Re: Re: Chase Reconsideration
Post by: aryeh1 on March 07, 2012, 11:41:29 AM
And what if the statement closed already but points didn't post yet?
dont they post when closes?
Title: Re: Re: Chase Reconsideration
Post by: JEWDA on March 07, 2012, 12:00:29 PM
dont they post when closes?
On statement not on mileage account
Title: Re: Re: Chase Reconsideration
Post by: aryeh1 on March 07, 2012, 12:12:51 PM
On statement not on mileage account
right so on mileage acct 2 days later?
Title: Re: Chase Reconsideration
Post by: Dan on March 08, 2012, 09:00:50 PM
Had a fun time with Recon.

Closed BA and CO OPP MC.  Approved for a new CO OPP MC (UA MPE MC) and SP Visa.

App recon said there's no way I can have 2 SPs.  Called credit analyst and got it approved.
Rep also told me if I go over $100K in total credit lines I'll have to send in tax returns.

Another rep said, Wow, it seems like you have pretty much every card we have to offer.

Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1
Title: Re: Chase Reconsideration
Post by: JEWDA on March 08, 2012, 09:06:45 PM
Had a fun time with Recon.

Closed BA and CO OPP MC.  Approved for a new CO OPP MC (UA MPE MC) and SP Visa.

App recon said there's no way I can have 2 SPs.  Called credit analyst and got it approved.
Rep also told me if I go over $100K in total credit lines I'll have to send in tax returns.

Another rep said, Wow, it seems like you have pretty much every card we have to offer.

Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1
Were you drunk when you called?
Title: Re: Chase Reconsideration
Post by: Dan on March 08, 2012, 09:11:39 PM
Eh, I prefer to get wasted on holidays when I'm not operating a motor vehicle, like shmini atzeres/simchas torah.
Title: Re: Chase Reconsideration
Post by: Jkhein on March 09, 2012, 05:30:35 AM
Had a fun time with Recon.

Closed BA and CO OPP MC.  Approved for a new CO OPP MC (UA MPE MC) and SP Visa.

App recon said there's no way I can have 2 SPs.  Called credit analyst and got it approved.
Rep also told me if I go over $100K in total credit lines I'll have to send in tax returns.

Another rep said, Wow, it seems like you have pretty much every card we have to offer.

Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1
Did you churn the SP again? Havent you done that already?
Title: Re: Chase Reconsideration
Post by: Drago on March 09, 2012, 06:37:43 AM
Had a fun time with Recon.

Closed BA and CO OPP MC.  Approved for a new CO OPP MC (UA MPE MC) and SP Visa.

App recon said there's no way I can have 2 SPs.  Called credit analyst and got it approved.
Rep also told me if I go over $100K in total credit lines I'll have to send in tax returns.

Another rep said, Wow, it seems like you have pretty much every card we have to offer.

Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1

Did they ask u y u needed all of the cards? Thats the question i have problems answering
Title: Re: Chase Reconsideration
Post by: compddd on March 09, 2012, 09:33:24 AM
I assume he goes into detail about the benefits each card has with their respective programs, and if he has a MC and Visa version of each card, he tells them about the dollar store stuff, CDW, etc
Title: Re: Chase Reconsideration
Post by: Dan on March 09, 2012, 10:56:07 AM
Did you churn the SP again? Havent you done that already?
Yes, but this is the first time I've had 2 active SPs.

Did they ask u y u needed all of the cards? Thats the question i have problems answering
Of course.  Know each card's benefit fluently and it's not hard to even teach the recon rep a few things.  I also agreed with statements like, "Yup, you've got my entire wallet."  They eat that stuff up.  And frankly it's true.
Title: Re: Chase Reconsideration
Post by: compddd on March 09, 2012, 11:42:50 AM
I thought you put most of your spending on Starwood card
Title: Re: Chase Reconsideration
Post by: JEWDA on March 09, 2012, 11:49:51 AM
I thought you put most of your spending on Starwood card
You might be right, but who doesnt want sign up bonuses?
Title: Re: Chase Reconsideration
Post by: Jkhein on March 10, 2012, 01:14:58 PM
Yes, but this is the first time I've had 2 active SPs.
So this means that you up to your third SP?
Title: Re: Chase Reconsideration
Post by: PETERP on March 10, 2012, 03:45:07 PM
Did they ask u y u needed all of the cards? Thats the question i have problems answering


A friend of mine told me they asked him that question.  Ask them why do you offer them
Title: Re: Chase Reconsideration
Post by: Jkhein on March 10, 2012, 05:39:19 PM
Ask them why do you offer them
Were talking about someone that wants to get approved.
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 10, 2012, 08:31:28 PM
I assume he goes into detail about the benefits each card has with their respective programs, and if he has a MC and Visa version of each card, he tells them about the dollar store stuff, CDW, etc
Can you please elaborate on 'the dollar store stuff, cdw, etc..."? What do you mean by that?
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 10, 2012, 08:32:29 PM
Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1

Are these all the cards you currently have open or plan to open?
Title: Re: Chase Reconsideration
Post by: sky121 on March 10, 2012, 08:33:31 PM
Is Chase still matching the new united card to the 50,000 point offer?
Title: Re: Chase Reconsideration
Post by: Dan on March 10, 2012, 08:34:47 PM
Are these all the cards you currently have open or plan to open?
That's what's currently open.

Is Chase still matching the new united card to the 50,000 point offer?
Yes.
Title: Re: Chase Reconsideration
Post by: Wolf on March 10, 2012, 10:06:40 PM
Why would they close a Co in order to push thru a new Co? They didn't ask you this question?
Title: Re: Chase Reconsideration
Post by: sky121 on March 11, 2012, 05:27:59 PM
Is there a way I can email Chase Reconsideration?

 My sister did a 2BM application and they denied one for too many applications.   She doesn't exactly know all the things to say and got turned down twice so I'd like to call for her but they won't talk to me and know I'm not her obviously.


           Any way to email? Chat? Anything?! It would sure make it all  a lot easier.
Title: Re: Chase Reconsideration
Post by: Dan on March 11, 2012, 05:35:04 PM
Is there a way I can email Chase Reconsideration?

 My sister did a 2BM application and they denied one for too many applications.   She doesn't exactly know all the things to say and got turned down twice so I'd like to call for her but they won't talk to me and know I'm not her obviously.


           Any way to email? Chat? Anything?! It would sure make it all  a lot easier.
She can just ask recon to "talk to her husband" and put you on the phone.
Title: Re: Chase Reconsideration
Post by: Drago on March 11, 2012, 05:38:42 PM
She can just ask recon to "talk to her husband" and put you on the phone.
+1, done this a few times
Title: Re: Chase Reconsideration
Post by: meshugener on March 11, 2012, 05:54:57 PM
Is there anything to argue when denied for too much inquires or too short history while there's no card avail to close or move credit from? (and no bank acc)
Title: Re: Chase Reconsideration
Post by: jack12 on March 11, 2012, 07:29:22 PM
Had a fun time with Recon.

Closed BA and CO OPP MC.  Approved for a new CO OPP MC (UA MPE MC) and SP Visa.

App recon said there's no way I can have 2 SPs.  Called credit analyst and got it approved.
Rep also told me if I go over $100K in total credit lines I'll have to send in tax returns.

Another rep said, Wow, it seems like you have pretty much every card we have to offer.

Current Chase lineup:
-Freedom Visa Exclusives
-Hyatt Visa
-Sapphire Preferred MC
-Sapphire Preferred Visa
-SWA Visa
-UA MPE MC
-UA MPE Visa
-UA PP MC
-Ink Bold Exclusives
-Ink Classic 5/2/1

Did credit analyst approve the sp automatically? did they ask why you need 2 sp's? did you just call them to ask for the status of the app and they said that its approved?
Title: Re: Chase Reconsideration
Post by: scwam on March 11, 2012, 10:09:10 PM
Didn't Chase change their policy so now all CC's report the CL?

Yes they did a few months ago. If not all, then most. They used to only report the highest balance obtained during the life.
I boosted my 7k line to 11k with extended pay-off time. I asked them to hold off interest for a month, they gave me 2 months with no interest. Still got a $59 interest charge at the 2nd month by the computer, but a simple call got that credited. Shortly after all that hard work,
my new CL was 11k, exactly 11k, because I made it so with a balance as that. However they soon switched the card to report the actual
lines afterwards. So my report shows 11k high balance with 7k limit now >:(

NPSL just means the won't deny you for your set credit limit until they feel it's too much. Also it may mean that the line won't count as part of the overall CL/utilization % picture of all lines on your bureaus. NPSL utilization, also, may not be considered within the total of all lines of the bureaus. Someone here who has credit monitoring and a high balance on an NPSL card, and decides to suddenly pay it off can confirm this (you would have to be sure the high bal was reported the previous month).

Sidenote: I'd really like to do a dual-browser app this week. I know I want United, but I've had, and scored the CO bonus twice already. I also got 3 other new apps approved in the last 8 months and concerned that it might be too risky to do a dual-browser. If I did, I'm not sure what other card I'd want. Are people here getting both Visa/MC version of United and still getting the bonuses? That seems strange that it would be allowed. I thought the default was Visa for UA.
Title: Re: Chase Reconsideration
Post by: Dan on March 11, 2012, 11:39:23 PM
Did credit analyst approve the sp automatically? did they ask why you need 2 sp's? did you just call them to ask for the status of the app and they said that its approved?
Why would I need to App recon and credit analyst to find out it was approved?
Of course it was denied and I had to explain why they should approve me and they did.
Title: Re: Chase Reconsideration
Post by: jack12 on March 12, 2012, 02:47:13 PM
Why would I need to App recon and credit analyst to find out it was approved?
Of course it was denied and I had to explain why they should approve me and they did.

can you share with us what your reason was why they should approve you?
Title: Re: Chase Reconsideration
Post by: Dan on March 12, 2012, 03:00:56 PM
I assume he goes into detail about the benefits each card has with their respective programs, and if he has a MC and Visa version of each card, he tells them about the dollar store stuff, CDW, etc
Yes, but this is the first time I've had 2 active SPs.
Of course.  Know each card's benefit fluently and it's not hard to even teach the recon rep a few things.  I also agreed with statements like, "Yup, you've got my entire wallet."  They eat that stuff up.  And frankly it's true.
Title: Re: Chase Reconsideration
Post by: PETERP on March 12, 2012, 04:30:43 PM
Were talking about someone that wants to get approved.


That's what I told them also , and I got approved .
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 18, 2012, 11:42:32 AM
I applied for  SP, UA, and CO .
Got the SP and UA approved.  My problem is that now the CO application turned into a UA application.  When I called for reconsideration for the first time - about 2 weeks ago - the rep said that I can't have 2 of the same product even though one is visa and one is MC.

I keep calling back but the first rep noted my account so every time I call they see the comments and they say it can't be done.

Any idea what I should do? How can I prove them that a customer is allowed to have both?
Title: Re: Chase Reconsideration
Post by: Dan on March 18, 2012, 12:19:55 PM
Have you called both recon numbers and explained why you want both?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 18, 2012, 12:30:34 PM
Called to reconsider they said i have to apply again even though im in the 30 day window. Since they did reconsider my application several times.
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 18, 2012, 12:58:26 PM
Have you called both recon numbers and explained why you want both?

Yes. But they see note on my account and they they say that its not possible for one person to have two of the same product. 

I tried telling her that I know its possible bec I've seen people with both. She sort of told me that I'm bs'ing.  How can I prove it?
Title: Re: Chase Reconsideration
Post by: elig770 on March 19, 2012, 08:16:24 PM
Just applied for United, SP and Freedom. Got instant on United and pending on the other 2... How long is it recommended to wait before calling and will they be able to see all 3 apps and therefore give me a hard time?
Title: Re: Re: Chase Reconsideration
Post by: sky121 on March 19, 2012, 08:21:25 PM
Just applied for United, SP and Freedom. Got instant on United and pending on the other 2... How long is it recommended to wait before calling and will they be able to see all 3 apps and therefore give me a hard time?

If it were me I'd call tomorrow.
Title: Re: Chase Reconsideration
Post by: meshugener on March 19, 2012, 08:30:11 PM
Any data point for a reason to wait, or its just your feeling?
Title: Re: Chase Reconsideration
Post by: askmoses on March 19, 2012, 09:46:24 PM
Just applied for United, SP and Freedom. Got instant on United and pending on the other 2... How long is it recommended to wait before calling and will they be able to see all 3 apps and therefore give me a hard time?
IME it didn't help to wait. Just find out the individual Reference Numbers from them (instead of using your SSN to pull up the apps) and give that to them and say, "I'm calling about Freedom card" or whichever your calling about.
Title: Re: Chase Reconsideration
Post by: elig770 on March 19, 2012, 10:20:41 PM
IME it didn't help to wait. Just find out the individual Reference Numbers from them (instead of using your SSN to pull up the apps) and give that to them and say, "I'm calling about Freedom card" or whichever your calling about.
Thanks. Any idea how to find the reference numbers?
Title: Re: Chase Reconsideration
Post by: askmoses on March 19, 2012, 11:25:30 PM
Thanks. Any idea how to find the reference numbers?
I personally didn't want to wait until I got the letters in the mail. I just called up gave my SSN said I wanted to know whats up with my apps and they said whatever the status was (pending, denied, etc.) and I then asked for each reference number to each app and wrote it down. Hang up and call back later with reference number. They very well might spot the other apps, but I found it easier bc I told them I am only calling in reference to A B or C
Title: Re: Re: Chase Reconsideration
Post by: elig770 on March 19, 2012, 11:44:38 PM
I personally didn't want to wait until I got the letters in the mail. I just called up gave my SSN said I wanted to know whats up with my apps and they said whatever the status was (pending, denied, etc.) and I then asked for each reference number to each app and wrote it down. Hang up and call back later with reference number. They very well might spot the other apps, but I found it easier bc I told them I am only calling in reference to A B or C
K I called got the numbers... They said I was denied for both Freedom and SP because of my recent approval for the United card. Any key things to mention why I want each card aside from the miles? Any help/advice would be greatly appreciated, it's been a while since I had to do recons and I've never had much luck with Chase...
Title: Re: Re: Chase Reconsideration
Post by: smurf on March 20, 2012, 01:21:05 AM
K I called got the numbers... They said I was denied for both Freedom and SP because of my recent approval for the United card. Any key things to mention why I want each card aside from the miles? Any help/advice would be greatly appreciated, it's been a while since I had to do recons and I've never had much luck with Chase...
Check the benefits of each card and just choose the one that suits you. If you have a chase checking account tell them you want the freedom to compliment it. For the SP tell them you want a card with no forex fee
Title: Re: Re: Chase Reconsideration
Post by: elig770 on March 20, 2012, 01:29:31 AM
Check the benefits of each card and just choose the one that suits you. If you have a chase checking account tell them you want the freedom to compliment it. For the SP tell them you want a card with no forex fee
Thanks. I think I'd prefer the SP b/c it has a bigger sign up bonus... I assume I have little chance of getting both but I'll try the SP first and tell them how much I like the no foreign exchange fee... Then I guess I'll call after about the Freedom.
Title: Re: Chase Reconsideration
Post by: elig770 on March 20, 2012, 12:52:20 PM
@askmoses
Thanks for the advise, worked like a charm!
Title: Re: Chase Reconsideration
Post by: compddd on March 20, 2012, 01:43:38 PM
You got approved for SP and Freedom?
Title: Re: Chase Reconsideration
Post by: elig770 on March 20, 2012, 02:31:24 PM
You got approved for SP and Freedom?
Yes, by calling recon 2 separate times and giving them the individual reference numbers.
Title: Re: Chase Reconsideration
Post by: Drago on March 20, 2012, 03:57:57 PM
Just pushed through the Freedom (was denied), and now I need to push the UA (in hold) and SW biz (don't know the status).
Title: Re: Chase Reconsideration
Post by: meshugener on March 20, 2012, 04:11:07 PM
A male rep is more likely to approve a CC app than a female rep. Period.
Title: Re: Chase Reconsideration
Post by: AJK on March 20, 2012, 04:12:51 PM
A male rep is more likely to approve a CC app than a female rep. Period.

Glad we conclusively got that out of the way.
Title: Re: Chase Reconsideration
Post by: TC610 on March 20, 2012, 04:16:53 PM
A male rep is more likely to approve a CC app than a female rep. Period.

-1.  Period.  More than half of males have denied my recon request. 100% of females have approved me.  And we can add 1 more female to that data point with today's approval of my SWA card.
Title: Re: Chase Reconsideration
Post by: meshugener on March 20, 2012, 04:18:53 PM
90% of male approved me, 100% female denied me.
Title: Re: Chase Reconsideration
Post by: AJK on March 20, 2012, 04:20:07 PM
90% of male approved me, 100% female denied me.

Well, if that doesn't prove something conclusively, I don't know what will  ::)
Title: Re: Chase Reconsideration
Post by: bubbles on March 20, 2012, 04:29:26 PM
90% of male approved me, 100% female denied me.

you married?  :P
Title: Re: Chase Reconsideration
Post by: meshugener on March 20, 2012, 04:37:32 PM
Yes. happily, so far.
Title: Re: Chase Reconsideration
Post by: AsherO on March 20, 2012, 05:42:18 PM
90% of male approved me, 100% female denied me.

Maybe you just don't know how to talk to women...
Title: Re: Chase Reconsideration
Post by: bubbles on March 20, 2012, 07:45:21 PM
Maybe you just don't know how to talk to women...

hence
you married?  :P
Title: Re: Chase Reconsideration
Post by: elig770 on March 20, 2012, 07:56:10 PM
I got 2 apps approved today one from a male rep and one from a female rep...
Title: Re: Chase Reconsideration
Post by: broketeacher on March 20, 2012, 08:15:25 PM
What number do you call to speak to the reconsideration dept?

(I wasn't approved or rejected - waiting to find out via mail, but figured I'd call before they contact me - hope it doesn't backfire)
Title: Re: Chase Reconsideration
Post by: lcyitz on March 20, 2012, 08:25:24 PM
http://forums.dansdeals.com/index.php?topic=8028.0

Try searching first there is almost everything already on the forum  :)
Title: Re: Chase Reconsideration
Post by: broketeacher on March 20, 2012, 08:30:08 PM
Great - thanks so much
Title: Re: Chase Reconsideration
Post by: Yellow on March 20, 2012, 08:41:18 PM
Did a 3BM a week ago. AFAIK i got only one pull (weird, citi identity monitor says one pull, but Kredit Karma indicates 2 but does not clearly show each pull so i'm really not sure...) two personal, one business card
Today I called and got two of them approved. And tomorrow maybe i'll try for the third....
I froze both Equifax and Experian so the pull(s) came from transunion
if anyone cares, one was approved by a male and one a female lol  ::)
I'm a little scared of chase A/A but I'YH it'll be ok
Title: Re: Chase Reconsideration
Post by: smurf on March 20, 2012, 08:52:04 PM
Did a 3BM a week ago. AFAIK i got only one pull (weird, citi identity monitor says one pull, but Kredit Karma indicates 2 but does not clearly show each pull so i'm really not sure...) two personal, one business card
Today I called and got two of them approved. And tomorrow maybe i'll try for the third....
I froze both Equifax and Experian so the pull(s) came from transunion
if anyone cares, one was approved by a male and one a female lol  ::)
I'm a little scared of chase A/A but I'YH it'll be ok
Very often a personal and business app will result in 2 pulls
Title: Re: Chase Reconsideration
Post by: broketeacher on March 20, 2012, 10:43:56 PM
I applied for Chase Sapphire today and got the "we'll let you know" message. 

Thanks to links and info I got on this thread, I called and explained that I think they are reviewing my application based on the fact that I just got approved for a Chase Freedom last week.

The (female) said that that was indeed the reason I wasn't immediately approved.

I explained that the reason I applied for both cards was because they compliment each other with rewards, and that I'd get benefits with each card, but more benefits with both linked to each other. 

She listened, told me to hold on, and came back to tell me I was approved for the Sapphire.

Thanks for all your help.  I wouldn't have thought to call (let alone get the number) without this site.
Title: Re: Chase Reconsideration
Post by: smurf on March 20, 2012, 10:45:42 PM
I applied for Chase Sapphire today and got the "we'll let you know" message. 

Thanks to links and info I got on this thread, I called and explained that I think they are reviewing my application based on the fact that I just got approved for a Chase Freedom last week.

The (female) said that that was indeed the reason I wasn't immediately approved.

I explained that the reason I applied for both cards was because they compliment each other with rewards, and that I'd get benefits with each card, but more benefits with both linked to each other. 

She listened, told me to hold on, and came back to tell me I was approved for the Sapphire.

Thanks for all your help.  I wouldn't have thought to call (let alone get the number) without this site.
You say sapphire, Do oyou mean the sapphire preffered?
Title: Re: Chase Reconsideration
Post by: broketeacher on March 20, 2012, 11:00:48 PM
Yes.  Sapphire Preferred.
Title: Re: Chase Reconsideration
Post by: newtothegame on March 20, 2012, 11:37:50 PM
I know this has been discussed many times, I just couldn't find it when I searched.

What is the conventional wisdom about how long you should wait when applying for a new chase card (I got SP and OnePass back in December, how long should I wait till I apply for more?)
Title: Re: Chase Reconsideration
Post by: bem684 on March 21, 2012, 12:16:43 AM
I know this has been discussed many times, I just couldn't find it when I searched.

What is the conventional wisdom about how long you should wait when applying for a new chase card (I got SP and OnePass back in December, how long should I wait till I apply for more?)

At least 3 breaths.  Some will argue you can try again after two.  ;D
Title: Re: Chase Reconsideration
Post by: newtothegame on March 21, 2012, 08:07:07 AM
Maybe I am wrong, but I thought I remember reading somewhere that you should wait 6 months before applying for more chase cards?
Title: Re: Chase Reconsideration
Post by: meshugener on March 21, 2012, 08:32:17 AM
There is no set rules for that, it simply depends on your luck (and sometimes you can overturn your bad luck with hard work), just do what your feelings direct you. (read a lot the forum so you get a lot valuable info what ppl experienced so you'll get more ripe in the system).
Title: Re: Chase Reconsideration
Post by: newtothegame on March 21, 2012, 10:19:37 AM
thanks!
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 21, 2012, 10:06:20 PM
Not sure what happened with my 3BM for Chase cards but something went wrong. I applied for Chase sapphire preferred, Continental One Pass Master Card and United Visa. They approved the chase sapphire preferred and denied the other two. I called recon and i told them i wanted a master card so they told me they would let me know. I ended up getting it. I checked my credit and I got two pulls from Chase. Should I try calling recon for the United? Tips? Please tell me where I went wrong. Thanks!
Title: Re: Chase Reconsideration
Post by: meshugener on March 21, 2012, 10:16:17 PM
Dono whats the reason of your prob with the 3bm, but what does this have to do with calling recon for the United? Of course you should!
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 21, 2012, 10:23:27 PM
Dono whats the reason of your prob with the 3bm, but what does this have to do with calling recon for the United? Of course you should!
What's the benefit for united? They will ask me why I want it. I got the mastercard cuz i don't have one. Thanks!
Title: Re: Chase Reconsideration
Post by: Dan on March 21, 2012, 10:37:36 PM
http://www.dansdeals.com/archives/20630/comment-page-1#comment-115082
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 21, 2012, 10:44:43 PM
http://www.dansdeals.com/archives/20630/comment-page-1#comment-115082
How will the rep buy that? she sees i have a visa and its active so why do i need a new one?
Title: Re: Chase Reconsideration
Post by: Dan on March 21, 2012, 10:46:17 PM
Because you want to start using a United visa.
Convince yourself and you'll convince a rep.  Go into it unsure and you won't convince anyone.
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 21, 2012, 10:57:26 PM
would you know why i got two pulls even though i did 3bm?
Title: Re: Chase Reconsideration
Post by: elig770 on March 21, 2012, 11:00:30 PM
would you know why i got two pulls even though i did 3bm?
The 3BM doesn't guarantee you will only get 1 pull...
Title: Re: Chase Reconsideration
Post by: Tzfas on March 21, 2012, 11:17:29 PM
Just to add to the conversation ,I did a 3bm for sapphire ink bold and Hyatt, they were not approved right away . After calling reconsideration I got the Sapphire and Hyatt to go through. Regarding the bold I had no luck they said since its a buisness card with no pre set limit ,it cant be approved even with offering  to move some of my credit from the freedom card. Well using  the great advice found here, I did not give up and called the executive office  instead of recon, there they were much nicer and a "credit specialist" finaly listend to me when I said I dont need  a card with no preset limit, please give me a limit he said he will call me back and see what he can do, well i"m happy to say that it was approved for $5000 limit .
So even if two reps say NO call again and again Dont give up.
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 21, 2012, 11:31:00 PM
The 3BM doesn't guarantee you will only get 1 pull...
I know but I am wondering if anyone would know why I got one fore each approved card and why I was advised to open up 3 Chase cards in the 3BM if that seemed to have been the cause of the problem (their excuse for denying me was too many chase cards were opened).
Title: Re: Chase Reconsideration
Post by: AsherO on March 21, 2012, 11:36:20 PM
The 3BM doesn't guarantee you will only get 1 pull...

+1, 3BM is just a way to reduce inquiries, but even if you end up with 3, it isn't the end of the world.

Just to add to the conversation ,I did a 3bm for sapphire ink bold and Hyatt, they were not approved right away . After calling reconsideration I got the Sapphire and Hyatt to go through. Regarding the bold I had no luck they said since its a buisness card with no pre set limit ,it cant be approved even with offering  to move some of my credit from the freedom card. Well using  the great advice found here, I did not give up and called the executive office  instead of recon, there they were much nicer and a "credit specialist" finaly listend to me when I said I dont need  a card with no preset limit, please give me a limit he said he will call me back and see what he can do, well i"m happy to say that it was approved for $5000 limit .
So even if two reps say NO call again and again Dont give up.

Well done!

I know but I am wondering if anyone would know why I got one fore each approved card and why I was advised to open up 3 Chase cards in the 3BM if that seemed to have been the cause of the problem (their excuse for denying me was too many chase cards were opened).

Did you freeze any of your credit reports? That could trigger multiple pulls. Also if any of the info on the apps was typo'd and it needed to be corrected in order to pull your report.
Title: Re: Chase Reconsideration
Post by: scwam on March 22, 2012, 01:25:23 PM
I was just about to call recon line for UA card. I was confident that I would be denied based on multiple previous apps:
1) 5/17/11 - CO , 
2) 5/19/11 - BA,
3) 6/22/11 - Saphire ,
4) 12/10/11 - Priority Club.

On the app, last Priority club they issued my first closure/transfer and asked me suspicious questions why I had opened 6 accounts in the past 12 months. So, naturally, I expected to have to repeat the same thing today with my new UA app on 3/20/12.

Doh!, I called the status and they approved it for 19.3k. Crap, now I still have a hanging BA card with a fee comming up. What's this crazy ass credit line!? It is nearly the total of all my 4 other chase cards combined. I'm a little concerned this high limit and the fact that chase now owns 60% of my limits. Not sure what to do about the BA card now.
Title: Re: Chase Reconsideration
Post by: AsherO on March 22, 2012, 01:30:26 PM
I was just about to call recon line for UA card. I was confident that I would be denied based on multiple previous apps:
1) 5/17/11 - CO , 
2) 5/19/11 - BA,
3) 6/22/11 - Saphire ,
4) 12/10/11 - Priority Club.

On the app, last Priority club they issued my first closure/transfer and asked me suspicious questions why I had opened 6 accounts in the past 12 months. So, naturally, I expected to have to repeat the same thing today with my new UA app on 3/20/12.

Doh!, I called the status and they approved it for 19.3k. Crap, now I still have a hanging BA card with a fee comming up. What's this crazy ass credit line!? It is nearly the total of all my 4 other chase cards combined. I'm a little concerned this high limit and the fact that chase now owns 60% of my limits. Not sure what to do about the BA card now.

You can always convert the BA to a different card with no fee and/or close it without transferring over the CL. I wouldn't cut my lines, but I'm sure you can request they cut the $19.3k CL on the new UA card.
Title: Re: Chase Reconsideration
Post by: scwam on March 22, 2012, 01:34:31 PM
Yeah. This was really unexpected. I don't know if this has something to do with me recently moving in over 10k into my Chase Checking account for the fidelity transfer deal. I doubt so as I don't think the CC division can access that. Sometimes Chase scares me with their app responses so much that it leaves me worried for months about A/R's. When they see in 2 months I've got over 30k in lines just this month from other issuers I think I might be at risk. I need to get my UR points out of chase quick.

Asher:

Won't converting to a no fee card exclude me from any future bonus on that card? This is what happened with my first Chase Buy.com card as they suddenly converted it to a Freedom.
Title: Re: Chase Reconsideration
Post by: AsherO on March 22, 2012, 01:54:12 PM
Asher:

Won't converting to a no fee card exclude me from any future bonus on that card? This is what happened with my first Chase Buy.com card as they suddenly converted it to a Freedom.

No. I bet you could still get a bonus on a new Freedom app (though if you already have one you'll have to convince them you need the other one too). Virtually all Chase cards are chrunable (in reality, regardless of what the terms say), BA is pretty much the only exception I know of.
Title: Re: Chase Reconsideration
Post by: meshugener on March 22, 2012, 01:55:10 PM
I don't know if this has something to do with me recently moving in over 10k into my Chase Checking account for the fidelity transfer deal. I doubt so as I don't think the CC division can access that.
of course they can, and they actually do!
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 26, 2012, 04:20:32 PM
I applied for a friend and here's what happened.

Did 3bm for SPP, CO, UA. Got approved for SP and UA. During the reconsideration period,  CO turned into UA. Most reps told me that its not possible to have two of the same product.  Finally last week I found a rep that said its okay to have both but he can't approve me since it would be the 3rd card in 30 days and I should call back after 30 days.

I called back today and split the cl on the UA visa to get the UA MC.

Now here's the problem : when I originally applied,  I didn't enter any ff# on eithet app. (I figured they would open an ff account for me). The problem is now that they are both UA cards, so they are going to apply the same ff# to both apps!

I asked the recon guy today if I can add an ff# to the app and he said its not possible.  I CSR and she said she'll forward my request to marketing dept.

Is there still hope? Is there any way to find out if I'll for sure be getting the bonus?
Thanx
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 27, 2012, 10:05:06 AM
@saver2000, I did the same thing and only the sapphire was approved. Called recon and got the Co approved. Just called again to the UA approved and they are telling me I have to close one of my cards cuz too many apps in 3 months. I asked to move some credit line over and he said no, according to their policy I can't open up many cards in such a short time. He said I'd have to close one of my cards to get that one approved. Thanks! Suggestions?
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 27, 2012, 10:13:46 AM

Did you freeze any of your credit reports? That could trigger multiple pulls. Also if any of the info on the apps was typo'd and it needed to be corrected in order to pull your report.
No I didn't. Oh well...
Title: Re: Chase Reconsideration
Post by: satturn on March 27, 2012, 10:25:57 AM
@saver2000, I did the same thing and only the sapphire was approved. Called recon and got the Co approved. Just called again to the UA approved and they are telling me I have to close one of my cards cuz too many apps in 3 months. I asked to move some credit line over and he said no, according to their policy I can't open up many cards in such a short time. He said I'd have to close one of my cards to get that one approved. Thanks! Suggestions?

call again! never hurts to find a CSR that is easy to approve!
Title: Re: Chase Reconsideration
Post by: joeb1 on March 27, 2012, 10:27:46 AM
i did a 2bm for freedom card and sp card and immediately got rejected for the freedom and the sp is still pending so i attempted to clear both in 1 conversation howver she said the sp is pending and there is nothing for her to do but the freedom she was able to push thru w/o  a prob but said i gotta call back for sp. hope they allow it to go thru later
Title: Re: Chase Reconsideration
Post by: DevoiriS on March 27, 2012, 10:43:31 AM
call again! never hurts to find a CSR that is easy to approve!
but is there anything else I can say to them to get it approved?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 27, 2012, 11:07:02 AM
I got denied for the SP since I have the WMC, the only thing she could is close out the WMC for the Sp
Should i do it??
Title: Re: Chase Reconsideration
Post by: JEWDA on March 27, 2012, 11:13:47 AM
I got denied for the SP since I have the WMC, the only thing she could is close out the WMC for the Sp
Should i do it??
I would say HUCA
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 27, 2012, 11:15:01 AM
I would say HUCA
hang up call again.
What do i lose by cancelling it for a new sp, i would still get bonus no
Title: Re: Chase Reconsideration
Post by: JEWDA on March 27, 2012, 11:15:36 AM
whats huca?
Hang Up Call Again
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 27, 2012, 11:36:44 AM
A saw your post after, she closed my WMC for the SP. Would I still receive the bonus ?
Title: Re: Chase Reconsideration
Post by: compddd on March 27, 2012, 12:01:13 PM
If they offered to give me a new SP with bonus if I closed my WMC, I'd do it.

After all that's why you converted to the WMC isn't it? To get a new SP.
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 27, 2012, 12:07:26 PM
If they offered to give me a new SP with bonus if I closed my WMC, I'd do it.

After all that's why you converted to the WMC isn't it? To get a new SP.
Basically she closed my WMC to get the SP ,I didnt ask if i would receive the bonus. Im not sure if this was smart since I'm not sure ill receive the bonus again and also im worried I can get in trouble as I converted SP ->WMC and then closed WMC for SP again. Anyone have insight on this?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 27, 2012, 12:51:40 PM
I got them at the end to re-open the SP mastercard and move credit over from another card.
Title: Re: Chase Reconsideration
Post by: easy48 on March 28, 2012, 08:36:26 PM
Did a 3BM last week for SP Visa, SP WMC, and Hyatt.  Got immediate accepted for the SP Visa and well get back to you on the other 2.  Called recon today and asked to push through, they said I was denied for the WMC bec I cant have 2 SP's at the same time but I got approved on the Hyatt with some sweet talking.

Question is- how do I get the WMC approved and get the bonus?  I understand from this forum that I have to convert the Visa into the WMC to get it.  When do I do that?  AFter 30 days and 3k spend?  Thanks
Title: Re: Chase Reconsideration
Post by: meshugener on March 28, 2012, 09:06:20 PM
Where did you apply for the SP MC?
Title: Re: Chase Reconsideration
Post by: Ez on March 29, 2012, 03:29:16 AM
My Chase Co/United MC limit was lowered 2 months ago from 5K to 3K due to high credit utilization.

Utilization ratios improved since, besides 1 card that still uses 80% of its credit line (0% APR), My score is in the low 700's with 4 pulls on Experian.

based of my line reduction, is it too risky to go now for a mileage run, or will recon do it?

From Chase I've only got 1 more card the BA visa w 3K limit, so not too much leverage on moving credit.

And if yes, should I only double dip or go for a full 3BM?
Title: Re: Chase Reconsideration
Post by: easy48 on March 29, 2012, 12:08:27 PM
Where did you apply for the SP MC?

See card #2 here: http://www.dansdeals.com/archives/20630
Title: Re: Chase Reconsideration
Post by: Drago on March 29, 2012, 05:56:25 PM
Interesting.
Did a 2bm personal and 1 biz last week.
Pushed through the Freedom last week.
Spoke to cs now about the UA, and she gave it to me with a reduction of the SP CL to 10k from 15k.
She then transferred me to the biz reconsideration for my SW app. After many questions, he said he could close the SW personal card to open this one. I requested him to not close it, but to lower my SP cl. He lowered it from 15k (!!) to 7 or so, and gave me 8k for the SW.
Interesting that their computers hadn't processed the first lowering of the CL. I thought he would see that when he put me on hold, and that I would have to explain another cc.

And IMO, I would rather have a female rep than a male.
Title: Re: Chase Reconsideration
Post by: SGF on March 29, 2012, 08:20:31 PM
i applied for UA MPE 60K offer a few weeks ago and they sent me a letter saying that in order to get approved i have to show proof of income i.e. Most recent Pay stubs tax returns etc.. Now i dont have any official income on the papers and no way of getting any of that stuff, besides it probably also means that chase wont accept me for any other CC until i show them proof of income.
is there any way of getting around it with out showing it or is there anything to ask chase reconsideration to do?

i havent seen anywhere else discuusing this issue, if theres a thread about it plz share.
Title: Re: Re: Chase Reconsideration
Post by: sky121 on March 29, 2012, 08:50:40 PM
i applied for UA MPE 60K offer a few weeks ago and they sent me a letter saying that in order to get approved i have to show proof of income i.e. Most recent Pay stubs tax returns etc.. Now i dont have any official income on the papers and no way of getting any of that stuff, besides it probably also means that chase wont accept me for any other CC until i show them proof of income.
is there any way of getting around it with out showing it or is there anything to ask chase reconsideration to do?

i havent seen anywhere else discuusing this issue, if theres a thread about it plz share.

Try calling again.
Title: Re: Re: Chase Reconsideration
Post by: SGF on March 29, 2012, 08:52:56 PM
Try calling again.
what should i tell them? That i dont have a income?
Title: Re: Re: Re: Chase Reconsideration
Post by: sky121 on March 29, 2012, 09:02:47 PM
what should i tell them? That i dont have a income?

Don't tell them anything.

Did you write that you had an income?
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 29, 2012, 10:05:22 PM
Interesting.
Did a 2bm personal and 1 biz last week.
Pushed through the Freedom last week.
Spoke to cs now about the UA, and she gave it to me with a reduction of the SP CL to 10k from 15k.
She then transferred me to the biz reconsideration for my SW app. After many questions, he said he could close the SW personal card to open this one. I requested him to not close it, but to lower my SP cl. He lowered it from 15k (!!) to 7 or so, and gave me 8k for the SW.
Interesting that their computers hadn't processed the first lowering of the CL. I thought he would see that when he put me on hold, and that I would have to explain another cc.

And IMO, I would rather have a female rep than a male.
Did you get 2 pulls , 1 for business and for personal?
Title: Re: Re: Re: Chase Reconsideration
Post by: SGF on March 29, 2012, 10:11:19 PM
Don't tell them anything.

Did you write that you had an income?
yes
Title: Re: Re: Re: Chase Reconsideration
Post by: SGF on March 29, 2012, 11:14:43 PM
Don't tell them anything.

Did you write that you had an income?
just got approved!
thanx alot
called in and they told me again they needed proof of income so i said i wasent in town (true point) so no way to send in and after a few questions they approved me.
Title: Re: Chase Reconsideration
Post by: Drago on March 30, 2012, 02:04:11 AM
Did you get 2 pulls , 1 for business and for personal?
I assume so, but haven't checked yet.
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 30, 2012, 09:11:41 AM
So they asked me from where I want to take the $5k credit to get the hyatt open, I told them they can close my BA card, which had a credit line of 5k. However they gave me a credit line of 12k. So I'm confused why they needed to take 5k in first place?
Title: Re: Chase Reconsideration
Post by: elig770 on March 30, 2012, 03:04:22 PM
If I was originally denied and I received my letters but got apps approved trough recon, can I still get my free credit report for being denied credit?
Title: Re: Chase Reconsideration
Post by: meshugener on March 30, 2012, 06:17:48 PM
Yes. And IME you can get them even if you're instantly approved, since the credit bureau have no idea weather your financial institution eventually approved you or not, so they give them free for anyone who had an hard inquiry in the past 60 days.
Title: Re: Chase Reconsideration
Post by: Saver2000 on March 30, 2012, 06:36:24 PM
Yes. And IME you can get them even if you're instantly approved, since the credit bureau have no idea weather your financial institution eventually approved you or not, so they give them free for anyone who had an hard inquiry in the past 60 days.

+1
I've done this before.
Title: Re: Chase Reconsideration
Post by: Drago on March 31, 2012, 02:25:44 PM
Yes. And IME you can get them even if you're instantly approved, since the credit bureau have no idea weather your financial institution eventually approved you or not, so they give them free for anyone who had an hard inquiry in the past 60 days.
How do u request this?
Title: Re: Chase Reconsideration
Post by: HelpMe on March 31, 2012, 02:48:09 PM
Yes. And IME you can get them even if you're instantly approved, since the credit bureau have no idea weather your financial institution eventually approved you or not, so they give them free for anyone who had an hard inquiry in the past 60 days.
The CRA's do not check.

How do u request this?
http://www.experian.com/reportaccess/index.html
https://aa.econsumer.equifax.com/aad/landing.ehtml
http://annualcreditreport.transunion.com/tu/disclosure/currentSituation.jsp

ETA: With EX once you get a report number you can then use that number any time to get another report. Just start a new dispute with that report number. I would not do it more than once a month.
Title: Re: Chase Reconsideration
Post by: SPLP on March 31, 2012, 03:04:17 PM
thank you for the info and links --keep it up  ;)
Title: Re: Chase Reconsideration
Post by: HelpMe on March 31, 2012, 03:09:04 PM
thank you for the info and links --keep it up  ;)
Us old guys have to stick together.  :)
Title: Re: Chase Reconsideration
Post by: SGF on March 31, 2012, 07:01:03 PM
how do i know which bureau my bank pulled from? do i have to check only with the bureau that my bank pulled from?
Title: Re: Chase Reconsideration
Post by: meshugener on March 31, 2012, 10:20:48 PM
Sometime you see it on the letter you receive along with the card, and if not, just give them a call.
Title: Re: Chase Reconsideration
Post by: AsherO on March 31, 2012, 11:41:20 PM
ETA: With EX once you get a report number you can then use that number any time to get another report. Just start a new dispute with that report number. I would not do it more than once a month.

Then what? re you actually disputing any of the info on the report?
Title: Re: Chase Reconsideration
Post by: HelpMe on March 31, 2012, 11:43:57 PM
Then what? re you actually disputing any of the info on the report?
No. It will show an updated report but no need to dispute anything.
Title: Re: Chase Reconsideration
Post by: AsherO on March 31, 2012, 11:46:29 PM
No. It will show an updated report but no need to dispute anything.

Sweet. Thanks.

I'm assuming you tried this on EQ/TU and no luck.
Title: Re: Chase Reconsideration
Post by: aryeh1 on March 31, 2012, 11:47:27 PM
Sweet. Thanks.

I'm assuming you tried this on EQ/TU and no beef.

If you do it multiple times it will lock you out for TU
Title: Re: Chase Reconsideration
Post by: HelpMe on March 31, 2012, 11:49:49 PM
Sweet. Thanks.

I'm assuming you tried this on EQ/TU and no luck.
Correct.
Title: Chase Reconsideration
Post by: WhyAich on April 01, 2012, 12:15:38 AM
I applied for the chase sapphire MASTERCARD.  I already have the VISA.

They sent me a letter to call them.

I called and was told this:
You cannot have 2 sapphire PREFERRED cards. Although there are differences between the VISA and MASTERCARD, they still fall under one category.

The option she gave me was to downgrade the VISA to not PREFFERED and then they would consider my MasterCard application.

Any thoughts?

Please answer soon as they are removing the 50k offer.

Thanks!!!
Title: Re: Chase Reconsideration
Post by: joeb1 on April 01, 2012, 09:15:02 AM
PUTPAC again
Title: Re: Chase Reconsideration
Post by: Jkhein on April 01, 2012, 12:46:48 PM
I applied for the chase sapphire MASTERCARD.  I already have the VISA.

They sent me a letter to call them.

I called and was told this:
You cannot have 2 sapphire PREFERRED cards. Although there are differences between the VISA and MASTERCARD, they still fall under one category.

The option she gave me was to downgrade the VISA to not PREFFERED and then they would consider my MasterCard application.

Any thoughts?

Please answer soon as they are removing the 50k offer.

Thanks!!!
Same here. Got the 7-10 days recording that supposedly means good chances, was told by recon that the system automatically declined the application as I already have a SAPPHIRE product, nothing to do with preferred she said, and no pull was even made. will have to try again. EDIT: got the same from the second rep. anyone had luck after this excuse? its in the system.
Title: Re: Chase Reconsideration
Post by: meshugener on April 01, 2012, 01:00:53 PM
2 mistakes in your post: 1, 7-10 business days is usually a BAD indicator; 2, you can have a Sapphire and a Sapphire preferred.
Title: Re: Chase Reconsideration
Post by: Jkhein on April 01, 2012, 03:04:24 PM
just got the third rep telling me a no go for two sapphire products even one reg one preferred.
Title: Re: Chase Reconsideration
Post by: DevoiriS on April 01, 2012, 11:07:27 PM
Because you want to start using a United visa.
Convince yourself and you'll convince a rep.  Go into it unsure and you won't convince anyone.
Even though I said I needed it, they said no can do because I applied for too many cards within 30 days. How have people gone around this? They said I needed to close one of the cards first.
Title: Re: Chase Reconsideration
Post by: bem684 on April 02, 2012, 01:13:29 PM
Even though I said I needed it, they said no can do because I applied for too many cards within 30 days. How have people gone around this? They said I needed to close one of the cards first.

call again, call again, call again, call again, call again...............................

I know it sounds silly after several rejections, but it really can and often does work.

For my most recent Chase spree I put in 2 apps and they didnt want to give me either because of recent applications and accounts opened with Chase and other banks as well.  I must have called at least 8 times, possibly even 10.  But I eventually opened both cards without closing any others, and I currently have 4 active Chase cards.
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on April 02, 2012, 01:40:05 PM
I'm sorry if this has been asked and answered but I got a few pages in and was overwhelmed.  I did a 2BM for SP and Freedom, pending on both but was able to pull the App ID's.  How long before I should call Recon?
Title: Re: Chase Reconsideration
Post by: JEWDA on April 02, 2012, 01:41:00 PM
I'm sorry if this has been asked and answered but I got a few pages in and was overwhelmed.  I did a 2BM for SP and Freedom, pending on both but was able to pull the App ID's.  How long before I should call Recon?
Call now
Title: Re: Chase Reconsideration
Post by: arid on April 02, 2012, 02:42:46 PM
did 3bm. rep said chase rules are that they cannot approve more than 2 cards per 30 days. anyone get this?
Title: Re: Chase Reconsideration
Post by: Dan on April 02, 2012, 02:46:05 PM
HUCA
Title: Re: Chase Reconsideration
Post by: meshugener on April 02, 2012, 02:46:22 PM
Too many reports of these stuff in the last 24 hours. A new wave of enforcements?
Title: Re: Chase Reconsideration
Post by: AsherO on April 02, 2012, 02:58:56 PM
Too many reports of these stuff in the last 24 hours. A new wave of enforcements?

Or maybe just lots of recent apps due to the deadline on the SP 50k links.
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 04, 2012, 01:10:27 PM
I found a picture on google maps of the recon debt...they must drink a lot of beer.
Title: Re: Chase Reconsideration
Post by: Red on April 04, 2012, 01:12:25 PM
I found a picture on google maps of the recon debt...they must drink a lot of beer.

Well after dealing with all our calls, I wouldn't blame them.  :D
Title: Re: Chase Reconsideration
Post by: arid on April 04, 2012, 01:16:48 PM
HUCA
got the same answer for my wife
Title: Re: Chase Reconsideration
Post by: Walk On the Ocean on April 04, 2012, 01:25:42 PM
Well after dealing with all our calls, I wouldn't blame them.  :D
Heh, so this is why they're happy to help us when we call...
We should offer some beer to citi's recon department
Title: Re: Chase Reconsideration
Post by: Red on April 04, 2012, 06:30:32 PM
\We should offer some beer to citi's recon department

Lol. They need a lot more than just beer.
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on April 04, 2012, 08:10:21 PM
Used the AppID's from the website to get approved for Saph and Freedom in no time at all, and both from female CSR's no less!  Had to close one of the United cards and moved $5k over from a BA card.  Rush delivered both so I can get some Venmo use out of them before May Day.  When asked why so many cards, just said had a potential client that would require business travel to cities that SW flies to but which then fell through and then thankfully got a new client who is in a United city.  I've found this excuse works great.  Now to get the Freedom offer matched to $350...
Title: Re: Chase Reconsideration
Post by: Ergel on April 04, 2012, 08:52:08 PM
You could do it without lying
Title: Re: Chase Reconsideration
Post by: ReadsTheT&C on April 04, 2012, 11:41:04 PM
You could do it without lying
Yeah, so next time I'll just tell them I'm addicted to signing up for bonus offers and don't enjoy paying annual fees.  That oughta do it!
Title: Re: Chase Reconsideration
Post by: Chaikel on April 04, 2012, 11:48:11 PM
Yeah, so next time I'll just tell them I'm addicted to signing up for bonus offers and don't enjoy paying annual fees.  That oughta do it!
worked for me and others on this forum
Title: Re: Re: Chase Reconsideration
Post by: Ergel on April 05, 2012, 12:06:22 AM
Yeah, so next time I'll just tell them I'm addicted to signing up for bonus offers and don't enjoy paying annual fees.  That oughta do it!
Changed your post huh?
Plenty of ways to do it without lying
Title: Re: Chase Reconsideration
Post by: Fan of Dan on April 05, 2012, 12:09:41 PM
just called recon on sapphire after i got freedom approved for 5k. Sapphire she said she reccomended 5k for it but goes to another dept for review so who do I call now, I do not want another credit pull. I have 14k on my co card
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 05, 2012, 12:42:33 PM
Sapphire she said she reccomended 5k for it but goes to another dept for review so who do I call now, I do not want another credit pull. I have 14k on my co card
Usually when I got that it didnt get approved, I wonder why they sometimes send it to review.
Title: Re: Chase Reconsideration
Post by: Fan of Dan on April 05, 2012, 01:31:04 PM
just got apphire approved as well. Two bm succesfull!!
Title: Re: Chase Reconsideration
Post by: Drago on April 09, 2012, 12:48:03 PM
worked for me and others on this forum
I dont believe u told them ur doing this just for the miles
Title: Re: Re: Chase Reconsideration
Post by: sky121 on April 09, 2012, 01:11:58 PM
I dont believe u told them ur doing this just for the miles

I've told them that once.  I had no problem.
Title: Re: Chase Reconsideration
Post by: arid on April 09, 2012, 06:21:17 PM
called for 4th time. all said that chase policy os not to approve more than 2 new accounts in 30 days. still HUCA????
Title: Re: Re: Chase Reconsideration
Post by: sky121 on April 09, 2012, 06:26:58 PM
called for 4th time. all said that chase policy os not to approve more than 2 new accounts in 30 days. still HUCA????

Did you offer to close an old card?
Title: Re: Chase Reconsideration
Post by: arid on April 09, 2012, 08:25:03 PM
i offered to transfer balance. they said it doesnt matter. each person said its chase policy to not approve 3 cards per 30 days.
Title: Re: Chase Reconsideration
Post by: Dan on April 09, 2012, 08:36:10 PM
Offer to close.
Title: Re: Chase Reconsideration
Post by: cozmohoot on April 09, 2012, 09:18:59 PM
just got my coworker approved for the freedom card thru recon. its his first card and he had no history but he had a chase checking acct. they started him off with a 500cl..better than nothing
Title: Re: Chase Reconsideration
Post by: arid on April 09, 2012, 09:46:29 PM
Offer to close.

right now i have freedom and 2x SP and united. if i close down i will have to close the freedom. would be a few months till i do another chase app. how long would it take for me to get the bonus points from the SP becoming visa? i guess i can offer that. but then it might be past the 90 days
Title: Re: Chase Reconsideration
Post by: Drago on April 10, 2012, 03:03:49 AM
I've told them that once.  I had no problem.
brave man, I usually go the route of extolling the cards benefits (which is all true)
Title: Re: Chase Reconsideration
Post by: satturn on April 10, 2012, 05:44:34 AM
i had done a 3bm about a month and a half after another 3bm. Risky, but i had a need for some points at the time- they originally told me they will not approve any cards due to too many applications. I called again and found a Rep who said he can close 3 accounts to approve one maariot card! I called again and got some one to close my SP and transfer to get the marriot approved. My next issue was due to chase taking a really lomg time to post my bonus points i got from matching my united/co cards- i cannot close them. This left me with really nothing else to close to try to get my next 2 cards approved. I tried calling to get my freedom approved- no luck - they told me that it was a suprise that i got my maa\rriot approved. So - i took Dans advise - and called Chase: 888-298-5623 (Credit Reallocation - Consumer). I asked straight off the bat when they picked up if i can transfer $500 credit from my CO card (it only had a $1000 limit) to get my freedom approved, she said sure- ill transfer you to application recon (who already denied me a few times) but she spoke to them first and told them what to do- and they approved it! I have yet to try hyatt- any ideas?
Title: Re: Chase Reconsideration
Post by: Jkhein on April 10, 2012, 12:02:46 PM
I was approved a new SP MC if I agree to close my old one and move over that CL.
The old account is still showing with the old CL just showing as closed, I think usually they actually move the limit over. I want to call credit allocations if they can move over the credit from my closed account to the new one (basically to double it) or it risky?
Title: Re: Chase Reconsideration
Post by: ringsher on April 17, 2012, 09:55:20 AM
So I have an issue that I haven't yet seen when searching through the forums, but if the answer is out there, please direct me to the proper thread.

After Dan's awesome post, I did the 3BM method about a month ago for 3 chase cards - Hyatt, Sapphire and Freedom. I was approved immediately for the Hyatt card, and denied the other two times due to "too many requests for credit." I called reconsideration for Sapphire (I read somewhere in Dan's posts that you should only call for one card at a time), and I was approved after shifting credit from Hyatt to Sapphire. About a week later, I called reconsideration for the Freedom card, and was informed that due to some sort of Chase regulation, you can only be approved for up to 2 credit cards per month. It seems that I would have to close one of my new cards (I have an old Amazon Visa card that I would be willing to shift the credit line for) to be approved for the Chase Freedom. Otherwise, I can re-apply after 30 days. I don't want to re-apply in 30 days because the bonus for being approved has now been reduced.

Here are my questions:
1) Has anyone experienced the same issue above? Is what the rep said really true? I haven't yet seen anywhere that you can only get approved for a max of 2 cards (otherwise, how is the 3BM method so successful?). Would you suggest I call again, or do these reps save all conversations you made regarding the card (i.e., they would know I called earlier and I am thus aware of the 2-credit-card-approval-per-month limit)
2) This is a general question - I have a Chase Amazon card for about 4 years. If you close an old credit card to shift its credit line for a new card, doesn't the negative impact of closing the credit card outweigh the positive impact of being approved for a new card (because you're closing an old card)?
3) If this somehow works out and I do get approved for the Freedom card, am I going to receive the bonus miles that existed when I signed up for the card, or as of the date of approval? When I applied for the Freedom, the bonus miles (after spending $500) was higher than the bonus available now.

Any help/advice would be much appreciated. Thank you in advance!!
Title: Re: Chase Reconsideration
Post by: ringsher on April 17, 2012, 09:58:46 AM
Actually, I just saw that Arid posted about the 2-approval-per month limit in this thread too, but doesn't seem to have been successful in getting them to approve the third card.
Title: Re: Chase Reconsideration
Post by: askmoses on April 20, 2012, 05:15:46 PM
Called business recon for Ink Bold.... she actually first pulled up another app I did for another business card and when I sweet talked my way to approval, she then had to swap pull up the app for bold and approve (YAY!), however now she said she had to officially reject the other app bc she had pulled it up and officially put it under consideration. I'm debating with myself along these lines right now... I really really don't want A/A so I'm wondering if I should bother fighting for the other app (ink cash) at all. I'm unsure of the amount of DDF member who know have A/A pulled on them and I certainly hope it is only a very small fraction.

I'm also thinking of asking my business banker to fill out the special consideration form for me and see if that will open the door on the second app. Any ideas you might have would be greatly appreciated.
Title: Re: Chase Reconsideration
Post by: Yeki89 on April 23, 2012, 02:52:15 PM
I applied for the Ink Bold
I had a credit freezer on experian
chase called me about a week later... and dint want to approve me.

Should I call recon?
Title: Re: Chase Reconsideration
Post by: smurf on April 23, 2012, 03:12:44 PM
I applied for the Ink Bold
I had a credit freezer on experian
chase called me about a week later... and dint want to approve me.

Should I call recon?
Why wouldn't you?
Title: Re: Chase Reconsideration
Post by: Yeki89 on April 23, 2012, 03:22:32 PM
i already spoke to them once... an di assume that would be considered "recon"
with all the A/A going on... i want to be cautious.
Title: Re: Chase Reconsideration
Post by: zush12345 on April 24, 2012, 05:17:34 AM
got the 50k offer for the mileageplus united card..i applied but was denied too much new credit so i cancelled my sapphire preferred and got this one accepted..sweet!
Title: Re: Chase Reconsideration
Post by: Drago on April 24, 2012, 05:58:54 AM
i already spoke to them once... an di assume that would be considered "recon"
with all the A/A going on... i want to be cautious.
imo, go ahead with it
Title: Re: Chase Reconsideration
Post by: Yeki89 on April 24, 2012, 07:39:17 AM
ill update what happens
Title: Re: Chase Reconsideration
Post by: HelpMe on April 24, 2012, 07:43:27 AM
Fun Fact #14: yeki89 was hesitant at first but took the plunge. Was eventually approved for IB card!
Title: Re: Chase Reconsideration
Post by: Yeki89 on April 24, 2012, 08:21:50 AM
i hope so
Title: Is chase approving 3 cards at a time still?
Post by: ChikkyMonkey on April 24, 2012, 10:11:00 AM
I found some old threads wondering if anyone has recent experience.

I have two cards (sapphire and some old Wamu that became chase) I applied for United, Ink business and Hyatt..

needed to call for all, first two got approved.. Spoke to someone who said if I cancel my wamu they'll approve my hyatt, but then they never did it and when I called back they just said they can't approve any more at this time..

any point trying or am I wasting my time?
Title: Re: Re: Is chase approving 3 cards at a time still?
Post by: sky121 on April 24, 2012, 10:13:21 AM
I found some old threads wondering if anyone has recent experience.

I have two cards (sapphire and some old Wamu that became chase) I applied for United, Ink business and Hyatt..

needed to call for all, first two got approved.. Spoke to someone who said if I cancel my wamu they'll approve my hyatt, but then they never did it and when I called back they just said they can't approve any more at this time..

any point trying or am I wasting my time?

You can try calling again. Don't close your wamu if that's your oldest card though.
Title: Re: Is chase approving 3 cards at a time still?
Post by: ChikkyMonkey on April 24, 2012, 10:14:56 AM
its my oldest with them, but I have much older credit history with amex
Title: Re: Is chase approving 3 cards at a time still?
Post by: Dan on April 24, 2012, 10:53:19 AM
its my oldest with them, but I have much older credit history with amex
Then cancel it.
Or call again and try to shift part of the credit line.
Title: Re: Chase Reconsideration
Post by: ChikkyMonkey on April 24, 2012, 11:15:54 AM
if someone said they can't approve more than two is that policy or is there some leverage?

I currently have 4 cards with them thx
Title: Re: Chase Reconsideration
Post by: JEWDA on April 24, 2012, 11:20:52 AM
if someone said they can't approve more than two is that policy or is there some leverage?

I currently have 4 cards with them thx
They CAN approve more HUCA
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 24, 2012, 12:04:01 PM
I got approved for my wife for the SP, they said they were going to lower the limit of my united card from $5000 to $1000 but they didn't as they probally wern't able to being that its a signature card and requires $5000 minimum.
Title: Re: Is chase approving 3 cards at a time still?
Post by: LAXtraveler on April 24, 2012, 12:14:27 PM
Then cancel it.
Or call again and try to shift part of the credit line.

I wouldn't necessarily cancel it if it turned it into a Freedom card. My old WAMU turned into Freedom and I never had to get a new credit pull for it. That is a free credit card that I use regularly to bank UR points now that I didn't need to get a pull for.
Title: Re: Chase Reconsideration
Post by: dealvr on April 24, 2012, 12:17:58 PM
I applied for the Ink Bold
I had a credit freezer on experian

chase called me about a week later... and dint want to approve me.

Should I call recon?
Similar situation except haven't received a call yet.
Please let me know how it plays out.
Title: Re: Chase Reconsideration
Post by: Saver2000 on April 24, 2012, 12:41:00 PM
I got approved for my wife for the SP, they said they were going to lower the limit of my united card from $5000 to $1000 but they didn't as they probally wern't able to being that its a signature card and requires $5000 minimum.

Incorrect. You can't open certain cards with less than a 5k CL, but they can always be lowered at a later time.
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 24, 2012, 01:20:54 PM
Incorrect. You can't open certain cards with less than a 5k CL, but they can always be lowered at a later time.
I had this last time where they said they approved me and it ended up they couldnt as they couldnt lower the $5000 on the UA. But now i called again and it did go through and the limit is still 5000 , so im wondering
Title: Re: Chase Reconsideration
Post by: Saver2000 on April 24, 2012, 01:24:35 PM
I had this last time where they said they approved me and it ended up they couldnt as they couldnt lower the $5000 on the UA. But now i called again and it did go through and the limit is still 5000 , so im wondering

Are you agreeing or arguing, I can't tell.

Anyway here's one of my sources  ;)

You can have a $500 credit line on any chase card. The 5k requirement is only when opening the card.
Title: Re: Chase Reconsideration
Post by: Drago on April 24, 2012, 02:19:20 PM
Incorrect. You can't open certain cards with less than a 5k CL, but they can always be lowered at a later time.

When I spoke w/ them last night, she told me that the CL on existing cards (I think for the signature cards) couldn't be lower than 5k, so she lowered my SP and AARP cards to open a UA card.
Maybe it depends on the rep.
Title: Re: Chase Reconsideration
Post by: askmoses on April 24, 2012, 02:21:19 PM
Called business recon for Ink Bold.... she actually first pulled up another app I did for another business card and when I sweet talked my way to approval, she then had to swap pull up the app for bold and approve (YAY!), however now she said she had to officially reject the other app bc she had pulled it up and officially put it under consideration. I'm debating with myself along these lines right now... I really really don't want A/A so I'm wondering if I should bother fighting for the other app (ink cash) at all. I'm unsure of the amount of DDF member who know have A/A pulled on them and I certainly hope it is only a very small fraction.

Just giving y'all an update. I managed to push through the second app by closing and moving my BA card's line over to business side. It was a very small line (only $1500) so they added $500 onto it for the Ink Cash. It's not great but I'll take it :)
Title: Re: Chase Reconsideration
Post by: elig770 on April 24, 2012, 02:37:05 PM
Just giving y'all an update. I managed to push through the second app by closing and moving my BA card's line over to business side. It was a very small line (only $1500) so they added $500 onto it for the Ink Cash. It's not great but I'll take it :)
I wasn't aware that they allocate credit between business and personal cards. Good to know!
Title: Re: Chase Reconsideration
Post by: askmoses on April 24, 2012, 02:40:48 PM
I wasn't aware that they allocate credit between business and personal cards. Good to know!
Hey Elig!
From what I understand it's one of those YMMV things....
Title: Re: Chase Reconsideration
Post by: TC610 on April 24, 2012, 03:21:15 PM
+1.  I was able to move available personal credit to open a new SW Business card.
Title: Re: Chase Reconsideration
Post by: Yeki89 on April 24, 2012, 10:42:11 PM
i was told i cant move personal to business.
Title: Re: Chase Reconsideration
Post by: askmoses on April 25, 2012, 01:55:03 AM
i was told i cant move personal to business.
HUCA
Title: Re: Chase Reconsideration
Post by: Fefferkorn on April 25, 2012, 02:49:04 AM
IT DID NOT MATTER!!
This is how it went:
Called first about CO and she kept on saying I had too much new credit with Chase in the past 12 months (BA and IB) so she ultimately said if I close down BA she can replace it for CO which I did. Before I did that I brought up my SP application and she said they can't open so many accounts, and I said I'm only asking for the current CL to be split be she wouldn't budge.
Hung up, called again within a minute about SP and the guy right away offered to move some cl from the BA into SP so I did and he said the card is on the way!!

My only concern is that since the CO didn't show in the system by the 2nd phonecall and the guy moved from BA which was nonexistent by the time of the 2nd phonecall, will there be an issue here or will the credit come off the CO no problem?
For the record, I got 20K on the CO for closing the BA and double dipped for another 10K off of the (closed) BA into the SP.
Title: Re: Chase Reconsideration
Post by: satturn on April 25, 2012, 05:54:34 AM
just a whim- based on a few things  i read. it could be the mistake i made was posting about an upcoming trip i am planning on the forums. I (stupidly) mentioned in the details the exact dates and airlines, and that i got all the points from cc's. Could be our friendly chase EO personnel tracked me down!? Maybe this is why they shut me down!?
Title: Re: Chase Reconsideration
Post by: Dan on April 25, 2012, 10:50:41 AM
Lol, nope. Not what Chase cares about.  All they care about is if you're a credit risk.
Title: Re: Chase Reconsideration
Post by: Londoner Rebbe on April 25, 2012, 07:50:35 PM
Tried getting my wife approved for a Chase Sapphire Visa but they will not approve due to lack of credit history and the minimum credit line on the card is 5k. Is it worth arguing with recon dept.?
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 25, 2012, 07:54:20 PM
Tried getting my wife approved for a Chase Sapphire Visa but they will not approve due to lack of credit history and the minimum credit line on the card is 5k. Is it worth arguing with recon dept.?
Depends if there is any basis for credit. How long is her credit history ? If she has no credit history then that would be very unlikely.

Also side question, do you call as your wife?
Title: Re: Chase Reconsideration
Post by: yitzf on April 25, 2012, 08:30:03 PM
Tried getting my wife approved for a Chase Sapphire Visa but they will not approve due to lack of credit history and the minimum credit line on the card is 5k. Is it worth arguing with recon dept.?
In addition to what aryeh1 said above, I think the trick is not to keep arguing but rather to keep on calling until you find an agent who is receptive to you (albeit with some smooth talking).
Title: Chase Reconsideration
Post by: lcyitz on April 25, 2012, 08:46:06 PM
I got my brother approved for the sp after only having a banana card, ( and being an au on 2 cards)  I think that's pretty good!
Title: Re: Re: Chase Reconsideration
Post by: sky121 on April 25, 2012, 08:46:51 PM
I got my brother approved for the sp after only having a banana card, ( and being an au on 2 cards)  I think that's pretty good!

How long was his credit history? That IS good.
Title: Chase Reconsideration
Post by: lcyitz on April 25, 2012, 08:49:17 PM
Being an au for prob 3-4 years

Banana card (personal card) just a year
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 25, 2012, 08:55:24 PM

Banana card (personal card) just a year
Is this a store card or Credit card?
Title: Chase Reconsideration
Post by: lcyitz on April 25, 2012, 08:56:12 PM
Store credit card visa
Title: Re: Chase Reconsideration
Post by: bruce on April 25, 2012, 09:27:44 PM
I did a triple browser on Chase with my Experian frozen.
My Sapphire went through but the freedon and hyatt did not.
I called chase and they said that I would need to unfreeze my Experian.
My understanding was that Chase will check transunion if Experian is frozen.
Is there someone in the forum that can advise?
Title: Re: Chase Reconsideration
Post by: AJK on April 25, 2012, 09:45:17 PM
I did a triple browser on Chase with my Experian frozen.
My Sapphire went through but the freedon and hyatt did not.
I called chase and they said that I would need to unfreeze my Experian.
My understanding was that Chase will check transunion if Experian is frozen.
Is there someone in the forum that can advise?

Unless things have changed, just direct the recon agent to check "one of your unfrozen reports, like TU."

Interesting that you got automagically approved for the Sapphire, though. I guess its possible they checked an unfrozen report based on your location.
Title: Re: Chase Reconsideration
Post by: bruce on April 25, 2012, 09:47:53 PM
Thank you, i will try that.
In the event that they are stuck on getting the Experian PIN, do you think that it'll count as one pull or two?
Title: Re: Chase Reconsideration
Post by: bruce on April 25, 2012, 09:58:38 PM
Just spoke to a CR rep. She claims that all 3 are frozen.
I know for a fact that they were not??? Just Experian was
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 25, 2012, 10:09:09 PM
Call again or try to unfreeze transunion or equifax online & see what happens
Title: Re: Chase Reconsideration
Post by: bruce on April 25, 2012, 10:47:41 PM
Transunion said there was NO freeze so the Chase CSR had no idea what she was talking about.
I will call back tomorrow and see what happens.
Has anyone ever heard them insist on hitting Experian specifically?
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 25, 2012, 10:52:48 PM
Transunion said there was NO freeze so the Chase CSR had no idea what she was talking about.
I will call back tomorrow and see what happens.
Has anyone ever heard them insist on hitting Experian specifically?
nope they are usually flexible
Title: Re: Chase Reconsideration
Post by: Londoner Rebbe on April 26, 2012, 02:04:58 PM
Depends if there is any basis for credit. How long is her credit history ? If she has no credit history then that would be very unlikely.

Also side question, do you call as your wife?

She has no previous credit history other than a personal checking account.

I do call as my wife.
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 26, 2012, 02:09:08 PM
She has no previous credit history other than a personal checking account.

I do call as my wife.
Getting the sapphire approved with no credit history is on the far end of the spectrum. You probably would have more luck getting a card that doesn't require a 5k line such as the united card for 1k (http://www.dansdeals.com/go/unitedexplorer/), which even that would be hard to push. Your best bet is opening a card that doesn't require a credit history such as a capital one card or macys store card etc and waiting 6 months to a year.
Title: Re: Chase Reconsideration
Post by: askmoses on April 26, 2012, 03:49:15 PM
Getting the sapphire approved with no credit history is on the far end of the spectrum. You probably would have more luck getting a card that doesn't require a 5k line such as the united card for 1k (http://www.dansdeals.com/go/unitedexplorer/), which even that would be hard to push. Your best bet is opening a card that doesn't require a credit history such as a capital one card or macys store card etc and waiting 6 months to a year.

I miss the old days... Just write whatever you want on the app, no credit history, big credit lines approved... then the wonderful credit crunch came along...
Title: Chase Reconsideration
Post by: lcyitz on April 26, 2012, 04:08:02 PM
How long Ago where those times?
Title: Re: Chase Reconsideration
Post by: aryeh1 on April 26, 2012, 05:44:04 PM
I recon for my wife they said they were going to lower the cr limit on her ua card from 5k to 1k to approve for the sp , which they never ended up lowering.
Title: Re: Chase Reconsideration
Post by: askmoses on April 26, 2012, 06:12:49 PM
How long Ago where those times?

LOL... not too long ago... I personally only got my first CC then about 5 1/2 years ago (altho for some odd reason I only have my oldest card on credit report at under 3 years :(  Amex had really screwed up on my account back then and took a while to sort it out).
Title: Re: Chase Reconsideration
Post by: DevoiriS on May 09, 2012, 09:53:59 PM
I never bothered trying again and again to get one of the chase cards i applied for to be approved. Its been over two months or so. Is it too late? (I don't even have the paper anymore.) Or should I just sign up for a whole new slew of cards.
Title: Re: Chase Reconsideration
Post by: jj1000 on May 09, 2012, 09:58:54 PM
I never bothered trying again and again to get one of the chase cards i applied for to be approved. Its been over two months or so. Is it too late? (I don't even have the paper anymore.) Or should I just sign up for a whole new slew of cards.
It is to late your application won't even be in there system anymore. You may want to wait a few more months before applying again.
Title: Re: Chase Reconsideration
Post by: Cbs on May 10, 2012, 12:56:03 PM
A little over a month ago i got accepted for the SP.
then i decided to do a 2BM on UA and BA. and app status line told me 2 weeks for one and 7-10 days on other.
so i called recon and they only mentioned the UA and she put in a request and said denied bec i just opened the SP and they want to see more activity. so i HUCA and the rep spoke to me about the BA and said withen 2 weks ill get notified (and it seems good). then i HUCA and spoke to a mean rep, and she said about the UA that i opened way too many cards in the past year and half and i cant have more (besides that i applied for the BA as well). so i HUCA one last time and she spoke about the UA and said that i already spoke to a rep and it says in notes that i dont have enough activity on SP (i havent paid a bill yet)

in short it seems that BA will get accepted and UA not. is there any use of calling again tommorow?
Title: Chase Reconsideration
Post by: lcyitz on May 10, 2012, 01:01:32 PM
Have any cards to offer as a karbon?
Or that won't work.
Title: Re: Chase Reconsideration
Post by: Cbs on May 10, 2012, 01:03:38 PM
Have any cards to offer as a karbon?
Or that won't work.
nope. just my SP with 5k CL which i just got accepted to.

- oh if i may add as well that one of the reps offered to shut down SP for UA, but i didnt get bonus yet so didnt do it
Title: Re: Chase Reconsideration
Post by: Yitz on May 10, 2012, 01:03:52 PM
A little over a month ago i got accepted for the SP.
then i decided to do a 2BM on UA and BA. and app status line told me 2 weeks for one and 7-10 days on other.
so i called recon and they only mentioned the UA and she put in a request and said denied bec i just opened the SP and they want to see more activity. so i HUCA and the rep spoke to me about the BA and said withen 2 weks ill get notified (and it seems good). then i HUCA and spoke to a mean rep, and she said about the UA that i opened way too many cards in the past year and half and i cant have more (besides that i applied for the BA as well). so i HUCA one last time and she spoke about the UA and said that i already spoke to a rep and it says in notes that i dont have enough activity on SP (i havent paid a bill yet)

in short it seems that BA will get accepted and UA not. is there any use of calling again tommorow?
Did you offer to move balances.
Title: Re: Chase Reconsideration
Post by: Cbs on May 10, 2012, 01:04:41 PM
Did you offer to move balances.
will they split 5k from SP? if so ill call tommoorw again
Title: Re: Chase Reconsideration
Post by: Yitz on May 10, 2012, 01:07:32 PM
will they split 5k from SP? if so ill call tommoorw again
It worked for me on another Chase card
Title: Chase Reconsideration
Post by: lcyitz on May 10, 2012, 01:07:46 PM
nope. just my SP with 5k CL which i just got accepted to.

- oh if i may add as well that one of the reps offered to shut down SP for UA, but i didnt get bonus yet so didnt do it
Maybe try again and give random reasons why you need that card,like you
Fly ba a lot. Or  if you are an Au on their cards tell them you have a history with chase.
Title: Chase Reconsideration
Post by: lcyitz on May 10, 2012, 01:09:33 PM
It worked for me on another Chase card
I think the sapphire preferred cannot have a lower than 5k limit, ( could be that's only in order to get it approved than later they can lower it)
Title: Re: Re: Chase Reconsideration
Post by: Ergel on May 10, 2012, 01:12:53 PM
A little over a month ago i got accepted for the SP.
then i decided to do a 2BM on UA and BA. and app status line told me 2 weeks for one and 7-10 days on other.
so i called recon and they only mentioned the UA and she put in a request and said denied bec i just opened the SP and they want to see more activity. so i HUCA and the rep spoke to me about the BA and said withen 2 weks ill get notified (and it seems good). then i HUCA and spoke to a mean rep, and she said about the UA that i opened way too many cards in the past year and half and i cant have more (besides that i applied for the BA as well). so i HUCA one last time and she spoke about the UA and said that i already spoke to a rep and it says in notes that i dont have enough activity on SP (i havent paid a bill yet)

in short it seems that BA will get accepted and UA not. is there any use of calling again tommorow?
Personally I would wait until you get your approval and then call in again. I believe if you get one approved now it may effect your other approval
Title: Re: Chase Reconsideration
Post by: Dan on May 10, 2012, 01:14:01 PM
( could be that's only in order to get it approved than later they can lower it)
+1

Personally I would wait until you get your approval and then call in again. I believe if you get one approved now it may effect your other approval
+1
Title: Chase Reconsideration
Post by: lcyitz on May 10, 2012, 01:15:00 PM
Personally I would wait until you get your approval and then call in again. I believe if you get one approved now it may effect your other approval
That's a true point, when i spoke to credit Analist a while back that what he told me.
Title: Re: Chase Reconsideration
Post by: Cbs on May 10, 2012, 01:17:08 PM
Maybe try again and give random reasons why you need that card,like you
Fly ba a lot. Or  if you are an Au on their cards tell them you have a history with chase.
i tried the diff reasons for UA - insurance, free bags, etc.. - didnt help.

Personally I would wait until you get your approval and then call in again. I believe if you get one approved now it may effect your other approval
good point, i think ill do that. and then ill have another card to play around with CL limit.
Title: Re: Chase Reconsideration
Post by: jj1000 on May 10, 2012, 01:45:40 PM
I am closing a SP and asked all the credit be transferred to a different card, the agent said it can't go below 5k. But YMMV.
Title: Re: Chase Reconsideration
Post by: Dan on May 10, 2012, 01:50:13 PM
I am closing a SP and asked all the credit be transferred to a different card, the agent said it can't go below 5k. But YMMV.
Did you PUTPAC/HUCA the reallocation line?
Title: Re: Chase Reconsideration
Post by: jj1000 on May 10, 2012, 02:12:20 PM
Did you PUTPAC/HUCA the reallocation line?
Just did and they did it no problem. They couldn't bring in below my current bill obviously...
Title: Re: Chase Reconsideration
Post by: compddd on May 11, 2012, 12:41:35 AM
What was the general consensus, if they say 7-10 days its bad and if they say 2 weeks its good?
Title: Re: Chase Reconsideration
Post by: Platinum on May 11, 2012, 12:58:09 AM
What was the general consensus, if they say 7-10 days its bad and if they say 2 weeks its good?
I had 2 apps one said 7-10 the other 2 weeks and both were declined. I got both approved thru recon.
Title: Re: Chase Reconsideration
Post by: smart brit on May 11, 2012, 12:59:00 AM
What was the general consensus, if they say 7-10 days its bad and if they say 2 weeks its good?
Bad is when u can't get it after reconsideration ;)
Title: Re: Chase Reconsideration
Post by: smart brit on May 11, 2012, 01:03:22 AM
What was the general consensus, if they say 7-10 days its bad and if they say 2 weeks its good?
I had 2 cards one was 7-10 days and the other 2 weeks. the 2 weeks i was approved and the 7-10 denied and approved after reconsideration :)
Title: Re: Chase Reconsideration
Post by: compddd on May 11, 2012, 02:12:51 AM
I did a 2BM and got 2 weeks on both
Title: Re: Chase Reconsideration
Post by: aryeh1 on May 11, 2012, 03:30:28 AM
I did a 2BM and got 2 weeks on both
any freezing?
Title: Re: Chase Reconsideration
Post by: moto on May 11, 2012, 10:49:09 AM
I got a letter from chase I signed up for the United plus card and they want a w2 a way I make income however I don't make a income what do I do now??
Anyway around it?
Title: Re: Chase Reconsideration
Post by: SGF on May 11, 2012, 12:52:39 PM
I got a letter from chase I signed up for the United plus card and they want a w2 a way I make income however I don't make a income what do I do now??
Anyway around it?
i had the same problem (http://forums.dansdeals.com/index.php?topic=8398.msg206203#msg206203) and got them to approve me anyway
Title: Re: Chase Reconsideration
Post by: Cbs on May 13, 2012, 11:13:58 AM
good point, i think ill do that. and then ill have another card to play around with CL limit.
i just called app status line, and now they both my cards say 7-10 days! before i called one said 2 weeks. -
shall i worry?
Title: Re: Chase Reconsideration
Post by: JEWDA on May 13, 2012, 11:16:02 AM
i just called app status line, and now they both my cards say 7-10 days! before i called one said 2 weeks. -
shall i worry?
Happened to me, it means not aproved, you could call recon.
Title: Re: Chase Reconsideration
Post by: Cbs on May 13, 2012, 11:19:02 AM
Happened to me, it means not aproved, you could call recon.
i already called (4 times in HUCA format) a few days ago  as stated a few posts up.
and i was told to wait until one gets approved to call again. (or both officialy get denied)

i also read on ddf about a few ppl that it didnt mean automatic decline. so im hanging in thin air.
 
Title: Re: Re: Chase Reconsideration
Post by: Ergel on May 13, 2012, 11:22:30 AM
i already called (4 times in HUCA format) a few days ago  as stated a few posts up.
and i was told to wait until one gets approved to call again. (or both officialy get denied)

i also read on ddf about a few ppl that it didnt mean automatic decline. so im hanging in thin air.
is one of your apps time sensitive? Can you just wait till you get your letters on the mail? (or is that not possible as you are in bkk?)
Title: Re: Re: Chase Reconsideration
Post by: Cbs on May 13, 2012, 11:26:51 AM
is one of your apps time sensitive? Can you just wait till you get your letters on the mail? (or is that not possible as you are in bkk?)
firstly not possible since im in BKK. - and they dont send emails, so i dont know if i got accepted. so i check every so often on the app status line. - and its not so time sensitive its more like im just eager to know if i got it or not!
Title: Re: Chase Reconsideration
Post by: compddd on May 13, 2012, 02:26:39 PM
update one says approved now and the other one says 7-10 days  :-[
Title: Re: Chase Reconsideration
Post by: SPGCont on May 13, 2012, 08:35:54 PM
Anyone have any luck getting a Sapphire Mastercard while having a Sapphire Visa?

Do you have to get them to close one first?

If they offer to "convert" my Sapphire Visa into a Mastercard will I get the 40k bonus?
Title: Re: Chase Reconsideration
Post by: Dan on May 13, 2012, 09:03:24 PM
Anyone have any luck getting a Sapphire Mastercard while having a Sapphire Visa?

Do you have to get them to close one first?

If they offer to "convert" my Sapphire Visa into a Mastercard will I get the 40k bonus?
Yup.
Nope.
Nope.
Title: Re: Chase Reconsideration
Post by: SPGCont on May 13, 2012, 09:17:32 PM
Yup.
Nope.
Nope.

So... please share:
What did you tell them when they ask why you need another sapphire?

I tried telling them MC has different benefits than Visa and so they offered to have CC "convert" my sapphire into a MC.
Title: Re: Chase Reconsideration
Post by: Dan on May 13, 2012, 09:18:23 PM
I told them where I shopped that only takes Visa and where they only take MC.

I you fail at that then ask them to close out your Visa and approve the MC app.
Title: Re: Chase Reconsideration
Post by: SPGCont on May 13, 2012, 09:25:15 PM
I told them where I shopped that only takes Visa and where they only take MC.

I you fail at that then ask them to close out your Visa and approve the MC app.

OK. i'll try that.

What about having two united cards open?
Is that possible or do you need to tell them to close one?

Thank so much for the awesome tips btw!!
Title: Re: Chase Reconsideration
Post by: Dan on May 13, 2012, 09:29:49 PM
What about having two united cards open?
I have 3 :)
Title: Re: Chase Reconsideration
Post by: aryeh1 on May 13, 2012, 10:27:27 PM
I have 3 :)
Im assuming 1 MC and 1 Visa Ua plus old Co
Title: Re: Chase Reconsideration
Post by: JEWDA on May 13, 2012, 11:27:58 PM
Im assuming 1 MC and 1 Visa Ua plus old Co
Or United Club ;)
Title: Re: Chase Reconsideration
Post by: Platinum on May 13, 2012, 11:44:00 PM
I have 3 united cards open and I plan on transferring the credit to the  ua club card is there any reason to leave the other 2 open?
Title: Re: Chase Reconsideration
Post by: compddd on May 14, 2012, 03:49:44 AM
I have a saphire wmc and ink bold I don't need anymore, which would you offer to close to get a southwest pushed through?
Title: Re: Chase Reconsideration
Post by: jkchan83 on May 14, 2012, 09:54:05 AM
New DDF member. Just found the site over the weekend and wanted to post my (very recent) experiences. Applied for a UA Club Card and a Sapphire Preferred using 2BM on Sunday. Already have UA Explorer, Freedom, and Amazon cards.

UA Club was approved instantly. Called recon today on the SP. Talked to a really nice rep who asked me why I needed both cards. (Moving miles to UA. Leaving Amex for double UA miles on dining.) Rep helped me move around credit from Freedom and Amazon cards to open SP. Surprisingly, did not offer to move limit from the other UA card, even though it has the 2nd highest current limit (after the new UA Club card).

The recon experience wasn't nearly as scary as I was expecting.

Need advice on next steps. My goal is to maximize UA miles. I live in Houston, so UA is really the only show in town. Please let me know what you think:

1. Open a Chase checking account to take advantage of Freedom card 10*10 bonus. (Didn't know this existed until this weekend.)
2. Cancel UA Explorer card. Re-open in 18 months(?) for mileage bonus. (I will need to get a new FFN to get the bonus, right?)
3. Use UA Club card for nearly all purchases since 1.5% back is better than Freedom or SP (except for under $10 or for SP 2x categories).
4. Quit using my Discover card, except on 5% categories each quarter.
5. What do I do for gas? I get 4% back on my Amex Costco card. Do I keep using that or switch to UA Club? Other than gas, the rewards are now matched by SP. (Used to be 3% for dining.) Should I even keep this card?

Thanks in advance.
Title: Re: Chase Reconsideration
Post by: Dan on May 14, 2012, 10:07:28 AM
New DDF member. Just found the site over the weekend and wanted to post my (very recent) experiences. Applied for a UA Club Card and a Sapphire Preferred using 2BM on Sunday. Already have UA Explorer, Freedom, and Amazon cards.

UA Club was approved instantly. Called recon today on the SP. Talked to a really nice rep who asked me why I needed both cards. (Moving miles to UA. Leaving Amex for double UA miles on dining.) Rep helped me move around credit from Freedom and Amazon cards to open SP. Surprisingly, did not offer to move limit from the other UA card, even though it has the 2nd highest current limit (after the new UA Club card).

The recon experience wasn't nearly as scary as I was expecting.

Need advice on next steps. My goal is to maximize UA miles. I live in Houston, so UA is really the only show in town. Please let me know what you think:

1. Open a Chase checking account to take advantage of Freedom card 10*10 bonus. (Didn't know this existed until this weekend.)
2. Cancel UA Explorer card. Re-open in 18 months(?) for mileage bonus. (I will need to get a new FFN to get the bonus, right?)
3. Use UA Club card for nearly all purchases since 1.5% back is better than Freedom or SP (except for under $10 or for SP 2x categories).
4. Quit using my Discover card, except on 5% categories each quarter.
5. What do I do for gas? I get 4% back on my Amex Costco card. Do I keep using that or switch to UA Club? Other than gas, the rewards are now matched by SP. (Used to be 3% for dining.) Should I even keep this card?

Thanks in advance.
Welcome and congrats on your approvals!  Did you get the first year fee waived on the UA Club card?

1. Definitely.  And don't forget the 5x categories on top of the 10*10.
2. No need to wait at all, though you will need a new UA FFN to reapply.  Don't cancel, use the card as leverage to get approved for another card (like Freedom, Hyatt, Southwest, etc)
3. Here's my current strategy:
True, as my wife has one as well.

My current strategy is :
-$25+ purchases (including car rentals due to primary CDW), and foreign purchases, excluding dining, airfare, hotels, telecom, cable, office supplies, 5% category, gas, Open Savings Partners, and Gap Inc purchases on United Club. (http://www.dansdeals.com/go/UnitedClub/)
-Purchases under $25 and 5% categories on Freedom (http://www.dansdeals.com/go/FreedomMC).
-Dining, airfare, and hotels (including foreign purchases in those categories) over $10, and car rental in Israel goes on Sapphire Preferred WMC. (http://www.dansdeals.com/go/SapphireWMC/)
-Purchases at SPG hotels as well as purchases that I want warranty, return, dispute, or purchase protection on goes on Starwood (http://www.dansdeals.com/go/starwood).
-Open Savings purchases go on Starwood Business. (http://www.dansdeals.com/go/starwoodbusiness/)
-Hyatt purchases on Hyatt (http://dansdeals.com/go/hyatt).
-Telecom, cable, office supplies (including gift cards for Amazon, etc), and gas on Ink Classic. (http://www.dansdeals.com/go/inkclassic/)
-Gap Inc purchases go on Banana Lifetime Luxe.

I don't have an AMEX PRG (http://www.dansdeals.com/go/premier25k/) right now, but I'll probably shift airfare and groceries there when I get my next one.
Although since then I do have PRG now, so we'll see what happens there.
Title: Re: Chase Reconsideration
Post by: jkchan83 on May 14, 2012, 10:39:08 AM
Welcome and congrats on your approvals!  Did you get the first year fee waived on the UA Club card?

1. Definitely.  And don't forget the 5x categories on top of the 10*10.
2. No need to wait at all, though you will need a new UA FFN to reapply.  Don't cancel, use the card as leverage to get approved for another card (like Freedom, Hyatt, Southwest, etc)
3. Here's my current strategy:Although since then I do have PRG now, so we'll see what happens there.

Thank you for your advice. I'm waiting to get the card before trying to get the first year fee waived.

Good catch on the $25 threshold. I was looking at the wrong column and missed that the Freedom is better than the UA Club up to $25 where they are even.

Thanks again. Keep up the good work.
Title: Re: Chase Reconsideration
Post by: compddd on May 14, 2012, 12:24:22 PM
hey Dan, what reason would you give them when they ask me why I want a UA and SW card approved at the same time?
Title: Re: Chase Reconsideration
Post by: Shmelly on May 14, 2012, 12:25:02 PM
You fly both airlines.
Title: Re: Chase Reconsideration
Post by: jj1000 on May 14, 2012, 12:31:33 PM
I'm waiting to get the card before trying to get the first year fee waived.
There is no reason to wait till you have the card. As long as it's showing in your online chase account, send them a SM requesting they match the new offer with the first year free. I did it before I received the card and worked like a charm :) GL! and Welcome to ddf :)
Title: Re: Chase Reconsideration
Post by: jkchan83 on May 14, 2012, 01:16:52 PM
There is no reason to wait till you have the card. As long as it's showing in your online chase account, send them a SM requesting they match the new offer with the first year free. I did it before I received the card and worked like a charm :) GL! and Welcome to ddf :)

Thanks for the advice. The card is not showing up on my Chase account yet, but I will send a SM as soon as it does.
Title: Re: Chase Reconsideration
Post by: psedge on May 14, 2012, 01:40:09 PM
I applied for united explorer and they want proof of income I put 40k however I. Don't even. Make that can someone tell me how. Can. Get them. To approve me without having to send in proof of income?
Thanks
Title: Re: Chase Reconsideration
Post by: TC610 on May 14, 2012, 01:42:06 PM
hey Dan, what reason would you give them when they ask me why I want a UA and SW card approved at the same time?
You fly both airlines.

+1.  Worked for me both times.
Title: Re: Chase Reconsideration
Post by: jj1000 on May 14, 2012, 03:16:14 PM
I am closing a SP and asked all the credit be transferred to a different card, the agent said it can't go below 5k. But YMMV.
Did you PUTPAC/HUCA the reallocation line?
Just did and they did it no problem. They couldn't bring in below my current bill obviously...
Interestingly when I changed my sapphire preferred card into the regular sapphire card to avoid the annual fee they needed to increase the credit limit back to $5k because that is the minimum for the card...
Title: Re: Chase Reconsideration
Post by: SGF on May 15, 2012, 02:14:25 AM
I applied for united explorer and they want proof of income I put 40k however I. Don't even. Make that can someone tell me how. Can. Get them. To approve me without having to send in proof of income?
Thanks
i had the same problem (http://forums.dansdeals.com/index.php?topic=8398.msg206203#msg206203) and got them to approve me anyway
Title: Re: Chase Reconsideration
Post by: aryeh1 on May 15, 2012, 02:25:34 AM
I applied for united explorer and they want proof of income I put 40k however I. Don't even. Make that can someone tell me how. Can. Get them. To approve me without having to send in proof of income?
Thanks
what income did you write?
Title: Re: Chase Reconsideration
Post by: Saver2000 on May 15, 2012, 03:07:06 AM
what income did you write?
I applied for united explorer and they want proof of income I put 40k however I. Don't even. Make that can someone tell me how. Can. Get them. To approve me without having to send in proof of income?
Thanks
Title: Re: Chase Reconsideration
Post by: jkchan83 on May 18, 2012, 11:31:39 AM
Thanks for the advice. The card is not showing up on my Chase account yet, but I will send a SM as soon as it does.

Just got a SM back from Chase. They agreed to waive the first year on the UA Club Card. Thanks, Dan!
Title: Re: Chase Reconsideration
Post by: Dan on May 19, 2012, 11:30:57 PM
Just got a SM back from Chase. They agreed to waive the first year on the UA Club Card. Thanks, Dan!
Enjoy!
And comment here: http://www.dansdeals.com/archives/21444/
Title: Re: Chase Reconsideration
Post by: Red on May 21, 2012, 03:07:39 PM
Iv'e been trying to recon a SP app. from this AOR (http://forums.dansdeals.com/index.php?topic=16024.msg230355#msg230355). Her situation is that the only cc under her name was opened about a month ago, although she was an AU on a card for 10+ yrs. She got approved for the UA card with a 5k limit but they say to approve the SP they would need the full 5k from the UA card and close the account. They refuse to give her any more credit based on her pretty much non existent history, I HUCAed like 10 times and so far no go. Anyone have any advice?
Title: Chase Reconsideration
Post by: lcyitz on May 21, 2012, 03:09:54 PM
Have you tried credit Analist?
Title: Re: Chase Reconsideration
Post by: Red on May 21, 2012, 03:13:04 PM
Have you tried credit Analist?

I spoke with both departments a few times.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 02:09:06 AM
Two questions:
1) My friend  just did a 3BM for SP, IB and UA. They only approved him for the IB, for the others he got "too many applications for credit". He does not have any Chase cards to use as leverage. What's the best thing to say to recon in order to get them pushed through?

2) When churning UA, if I currently have the UA card and end up needing to call recon, is there any way recon will still work? Because they are probably going to say that I already have that same card and cannot be approved for another one.

Title: Re: Chase Reconsideration
Post by: AsherO on May 22, 2012, 03:05:34 AM
1) My friend  just did a 3BM for SP, IB and UA. They only approved him for the IB, for the others he got "too many applications for credit". He does not have any Chase cards to use as leverage. What's the best thing to say to recon in order to get them pushed through?

If he didn't have any Chase cards before applying, he can call and say he needs a card for personal use.

He can try calling recon at the same time someone calls recon for the other card (they just need to make sure they're not both calling for the same card).
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 12:35:45 PM
If he didn't have any Chase cards before applying, he can call and say he needs a card for personal use.
Just that will do it? How about if they insist that he has "too many applications for credit"?
Title: Re: Chase Reconsideration
Post by: AsherO on May 22, 2012, 12:42:57 PM
Just that will do it? How about if they insist that he has "too many applications for credit"?

That would be one explanation for why he applied for several Chase cards. Did he apply for cards with other issuers as well?
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 12:44:02 PM
That would be one explanation for why he applied for several Chase cards. Did he apply for cards with other issuers as well?
He did around 2-3 months ago.
Title: Re: Chase Reconsideration
Post by: AsherO on May 22, 2012, 12:46:04 PM
He did around 2-3 months ago.

Gotta think of a creative way to explain that, could just say he decided he prefers the Chase cards over the other issuers' cards or something.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 12:47:49 PM
Gotta think of a creative way to explain that, could just say he decided he prefers the Chase cards over the other issuers' cards or something.
I see so there's nothing fullproof to get approved with recon as fullproof as when someone has a currently open card and just asks to shift CL?
Title: Re: Chase Reconsideration
Post by: AsherO on May 22, 2012, 12:51:15 PM
I see so there's nothing fullproof to get approved with recon as fullproof as when someone has a currently open card and just asks to shift CL?

The word is foolproof, and you're right, there's no foolproof way to get approved upon reconsideration, even shifting credit isn't foolproof.
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 02:44:57 PM
The word is foolproof, and you're right, there's no foolproof way to get approved upon reconsideration, even shifting credit isn't foolproof.
Thanks for the correction :)
How about if he waits for his IB to come in the mail, can he use it as leverage to shift credit from it to the others?
The IB was done on the same 3BM and it's the only one that got approved with a 9K CL..
Title: Re: Chase Reconsideration
Post by: meshugener on May 22, 2012, 03:23:51 PM
Yes, you could move from business to personal.
Title: Re: Chase Reconsideration
Post by: PETERP on May 22, 2012, 03:29:23 PM
Yes, you could move from business to personal.

  I had to call 3 different times to move CL from Biz to personal. Don't give up if you are initially
 told it can't be done .
Title: Re: Chase Reconsideration
Post by: AsherO on May 22, 2012, 03:33:39 PM
Thanks for the correction :)
How about if he waits for his IB to come in the mail, can he use it as leverage to shift credit from it to the others?
The IB was done on the same 3BM and it's the only one that got approved with a 9K CL..
Yes, you could move from business to personal.
+1, you don't even have to wait until you receive the card.
Title: Re: Chase Reconsideration
Post by: tracyinca on May 22, 2012, 04:13:45 PM
If I apply for the Chase Sapphire MC along with another chase card via the 2b method, will this result in 2 pulls if I have to call reconsideration to get the cards approved, or will they only do one pull for both cards?  I currently have the Sapphire Visa, but would like to close it and transfer the credit line to the Sapphire MC.
Title: Re: Chase Reconsideration
Post by: AJK on May 22, 2012, 04:34:08 PM
If I apply for the Chase Sapphire MC along with another chase card via the 2b method, will this result in 2 pulls if I have to call reconsideration to get the cards approved, or will they only do one pull for both cards?  I currently have the Sapphire Visa, but would like to close it and transfer the credit line to the Sapphire MC.

YMMV (assuming the rep does not (have to) re-pull).
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 22, 2012, 09:38:41 PM
When churning UA, if I currently have the UA card and end up needing to call recon, is there any way recon will still work? Because they are probably going to say that I already have that same card and cannot be approved for another one.
Bumping this.
Title: Re: Chase Reconsideration
Post by: AJK on May 23, 2012, 02:15:07 AM
Bumping this.

Yes, it's possible. I know I've read people on DDF have multiple UA cards.
Title: Re: Chase Reconsideration
Post by: JEWDA on May 23, 2012, 09:09:31 AM
Yes, it's possible. I know I've read people on DDF have multiple UA cards.
+1 Dan churned it a few times.
Title: Re: Chase Reconsideration
Post by: Dan on May 23, 2012, 01:34:34 PM
+1 Dan churned it a few dozen times.
ftfy
Title: Re: Chase Reconsideration
Post by: JEWDA on May 23, 2012, 01:35:04 PM
ftfy
:D
Title: Re: Chase Reconsideration
Post by: Fefferkorn on May 23, 2012, 01:46:04 PM
But what do you say when they ask you how come you want it if you currently have an open one?
Title: Re: Chase Reconsideration
Post by: Armadillo on May 24, 2012, 09:33:16 PM
I did a 3bm for united club, british and sapphire mc. Approved right away for ua club. moved credit for ba and just got off my 3rd call trying to convince them why i need both sp mc and visa (which I have for a while).
Questions: I didn't ask for the fee waived on the club card and so far nothing has posted. Does anyone know how long it takes to post the annual fee or maybe they gave it to me fee-free?
Two, has anyone else applied for ba and got points and also got last years?
Three, Each rep insists they don't let both anymore and I have to close out visa to get mc. I know Dan got both- when did that happen and has anyone else been successful recently? Does anyone have any ideas on how to keep my UR points active w/o transferring to airline so i can combine with mc points if i cancel visa?
Thanks for listening...
Title: Re: Chase Reconsideration
Post by: Cbs on May 24, 2012, 11:14:39 PM
how come my apps status still says 7-10 business days if it applied on may 8?
should i call recon?
Title: Re: Chase Reconsideration
Post by: JEWDA on May 24, 2012, 11:22:19 PM
how come my apps status still says 7-10 business days if it applied on may 8?
should i call recon?
I would call you prob got denied.
Title: Re: Chase Reconsideration
Post by: Cbs on May 30, 2012, 09:02:59 PM
how come my apps status still says 7-10 business days if it applied on may 8?
should i call recon?
I would call you prob got denied.
update: so after i called recon the first time a few weeks ago and i HUCA'd a few times then and they basically denied the UA card and just about cleared the BA but they said it needs verification.
so i called back after a few weeks of not hearing anything, and they just said that i dont have sufficient Credit history with chase since i opened the SP only in beginning of april  and they cannot split the 5k limit i got for it. - and they knew i spoke to an agent a few weeks ago.

since the Recon number posted here doesnt work for me i called a diff number chase gave me and apparently its the Credit analyst line. i dont know if that makes a diff though.

anything i can do? or is it a lost case?
 
Title: Re: Chase Reconsideration
Post by: Saver2000 on May 30, 2012, 09:16:58 PM
update: so after i called recon the first time a few weeks ago and i HUCA'd a few times then and they basically denied the UA card and just about cleared the BA but they said it needs verification.
so i called back after a few weeks of not hearing anything, and they just said that i dont have sufficient Credit history with chase since i opened the SP only in beginning of april   and they cannot split the 5k limit i got for it. - and they knew i spoke to an agent a few weeks ago.

Untrue.  They could lower it if they want to. The system has no problem with the sp going under 5k.
Title: Re: Chase Reconsideration
Post by: Cbs on May 30, 2012, 09:18:36 PM
Untrue.  They could lower it if they want to. The system has no problem with the sp going under 5k.
thats what i thought i read here from others experiences.
so do u suggest i call again and try asking them to split it? any other suggestions?
Title: Chase Reconsideration
Post by: lcyitz on May 30, 2012, 09:22:20 PM
Did u get approved for the ua?
If yea try splitting that.
Title: Re: Chase Reconsideration
Post by: Cbs on May 30, 2012, 09:26:23 PM
Did u get approved for the ua?
If yea try splitting that.
update: so after i called recon the first time a few weeks ago and i HUCA'd a few times then and they basically denied the UA card and just about cleared the BA but they said it needs verification.
Title: Re: Chase Reconsideration
Post by: lcyitz on May 30, 2012, 09:28:57 PM
I would mention that you called earlier and the recon rep said they would push it in and they didn't. (keep calling there are some really nice reps out there)
Title: Re: Re: Chase Reconsideration
Post by: moto on May 30, 2012, 09:30:00 PM
thats what i thought i read here from others experiences.
so do u suggest i call again and try asking them to split it? any other suggestions?
I just got denied because they want my proof of income and I don't want to send them because I don't have
In how long can I reapply for the card?
Title: Re: Re: Chase Reconsideration
Post by: lcyitz on May 30, 2012, 09:31:38 PM
I just got denied because they want my proof of income and I don't want to send them because I don't have
In how long can I reapply for the card?
Did they tell you that over the phone or you got a letter in the mail?
Title: Re: Chase Reconsideration
Post by: JEWDA on May 30, 2012, 10:06:49 PM
My wife got denied all 3 CC- UA,BA,Hyatt. For too little credit history. They dont want to approve even 1 after calling a few times. Anyone have any suggestions?
Title: Re: Chase Reconsideration
Post by: meshugener on May 30, 2012, 10:38:11 PM
If she has a Chase checking you may 1, try saying some love words ages such a good customer and they should consider consumer relations etc. If that dosent work speak with a banker at the branch about doing the special recon after depositing $10k+.
Remember: HUCA HUCA HUCA
Title: Re: Chase Reconsideration
Post by: Cbs on May 30, 2012, 10:39:39 PM
Remember: HUCA HUCA HUCA
what if u get the same rep when u HUCA?
and what if a diff rep tells u that u already spoke to them and they said no.
Title: Re: Chase Reconsideration
Post by: meshugener on May 30, 2012, 10:46:29 PM
They don't see that you blush...
Call a couple of days latter, had a story when the told me you just recently called with same thing and we already told you and I said sorry   HUCA and start with freshness and it worked!
Someone posted idea that you say rep told me if I have new arguments I should call back and begin sayin your same old stuff with a different tone....
Title: Re: Chase Reconsideration
Post by: Cbs on May 30, 2012, 11:03:57 PM
They don't see that you blush...
LOL

Call a couple of days latter, had a story when the told me you just recently called with same thing and we already told you and I said sorry   HUCA and start with freshness and it worked!
Someone posted idea that you say rep told me if I have new arguments I should call back and begin sayin your same old stuff with a different tone....
what do u mean diff tone? they have in notes more or less what you spoke about
Title: Re: Chase Reconsideration
Post by: meshugener on May 31, 2012, 08:23:42 AM
Try to say it in different words, the point was to make them review the app again. Never done the latest, remember so somewhere up in the thread.
Title: Re: Chase Reconsideration
Post by: JEWDA on May 31, 2012, 09:04:56 AM
what if u get the same rep when u HUCA?
and what if a diff rep tells u that u already spoke to them and they said no.
My wife had this the other day, but she called recon. and 5 min later called analasys and got the same lady!
Title: Re: Chase Reconsideration
Post by: meshugener on May 31, 2012, 09:10:17 AM
I always had the feeling that both are the same stuff, IIRC, I had a dispute with ban about that up in this thread.
Title: Re: Chase Reconsideration
Post by: Shmelly on May 31, 2012, 11:47:19 AM
Has anyone ever extended the 30 days given for recon? I plan on closing a UA card with recon to open a BA, but the UA closes the same day the letter expires, and I have 6K miles supposed to be hitting my UA account then. (Yes I know 100K > 6K, thanks.)
Title: Re: Re: Re: Chase Reconsideration
Post by: moto on May 31, 2012, 01:45:04 PM
Did they tell you that over the phone or you got a letter in the mail?
letter in the mail
Title: Re: Chase Reconsideration
Post by: lcyitz on May 31, 2012, 01:46:46 PM
In my experience its a basic response. i've gotten it and then called recon and got my card approved without proving income.
Title: Re: Re: Chase Reconsideration
Post by: JEWDA on June 01, 2012, 12:45:30 AM
My wife got denied all 3 CC- UA,BA,Hyatt. For too little credit history. They dont want to approve even 1 after calling a few times. Anyone have any suggestions?
I just got denied because they want my proof of income and I don't want to send them because I don't have
In how long can I reapply for the card?
Well guess what, They also asked my wife for proof of income but she told them she's not interested in waiting and that its not fair that they won't approve even one card. Two minutes later she was aproved after being asked a few questions. And thats with only having a Crap1 for 10 months $750 CL!!
Title: Re: Re: Chase Reconsideration
Post by: SGF on June 01, 2012, 05:14:29 AM
I just got denied because they want my proof of income and I don't want to send them because I don't have
In how long can I reapply for the card?
who said reapplying will help?
IIRC it still shows up on your account by them that they didnt accept you bec. Of your income so reapplying wont help much, they will ask you the same thing again.
Title: Re: Chase Reconsideration
Post by: meshugener on June 01, 2012, 08:52:48 AM
You mix up amex with chase.
Title: Re: Re: Chase Reconsideration
Post by: JEWDA on June 01, 2012, 11:20:43 AM
I just got denied because they want my proof of income and I don't want to send them because I don't have
In how long can I reapply for the card?
you can also call the verification department and see if they can do it over the phone 1800-278-8830
Title: Re: Chase Reconsideration
Post by: meshugener on June 03, 2012, 09:04:19 AM
If I need to close a card for leverage to open a new one, do I first need to pay off the outstanding balance of the old one or they'll close it even its not paid?
Title: Re: Chase Reconsideration
Post by: AsherO on June 03, 2012, 10:23:46 AM
If I need to close a card for leverage to open a new one, do I first need to pay off the outstanding balance of the old one or they'll close it even its not paid?

They might not let you close it (I'm not sure), but they won't let you move any credit that's not available, and they might act like sticklers and not allow you to move any credit at all because the CL isn't entirely available.

Why don't you just pay it all off, should take only a day or two for the payment to post).
Title: Re: Chase Reconsideration
Post by: compddd on June 03, 2012, 10:40:42 AM
If I need to close a card for leverage to open a new one, do I first need to pay off the outstanding balance of the old one or they'll close it even its not paid?

I recently had them close one of my sapphire preferreds so I could get my UA Explorer approved and I had some outstanding balance on the sapphire when they did it.
Title: Re: Chase Reconsideration
Post by: meshugener on June 03, 2012, 10:42:50 AM
They transfered the outstanding balance to the new card?
Title: Re: Chase Reconsideration
Post by: compddd on June 03, 2012, 10:49:29 AM
No they closed it and moved the CL. The closed card still showed up in my Chase Online profile with the balance outstanding that I needed to pay.
Title: Re: Chase Reconsideration
Post by: Yitz on June 10, 2012, 04:25:22 PM
Applied for BA & United. When you call SM do you ask them to reconsider the 2 of them on the same call?
Title: Re: Chase Reconsideration
Post by: meshugener on June 10, 2012, 04:27:20 PM
What's SM's phone number?
Title: Re: Chase Reconsideration
Post by: Crazy tools on June 10, 2012, 05:11:02 PM
if i did a 3bm and need to call reconsideration do i give them my social, or is there some other number to give them?
(If i give social do all the apps show up?)
Title: Re: Chase Reconsideration
Post by: Saver2000 on June 10, 2012, 05:26:52 PM
if i did a 3bm and need to call reconsideration do i give them my social, or is there some other number to give them?
(If i give social do all the apps show up?)

You should first call the application status line and give them your ss and ask for your application reference numbers.

Then call the recon line and give them only one reference number per phone call.
Title: Re: Chase Reconsideration
Post by: JEWDA on June 10, 2012, 10:15:54 PM
You should first call the application status line and give them your ss and ask for your application reference numbers.

Then call the recon line and give them only one reference number per phone call.
Tried that, they can still see all the apps.
Title: Re: Chase Reconsideration
Post by: Crazy tools on June 11, 2012, 04:44:37 AM
since they can see all the apps do you try pushing through multiple apps on the same phone call?? Thats if u get a nice agent
Title: Re: Chase Reconsideration
Post by: JEWDA on June 11, 2012, 09:59:35 AM
since they can see all the apps do you try pushing through multiple apps on the same phone call?? Thats if u get a nice agent
Better not to.
Title: Re: Chase Reconsideration
Post by: robi on June 13, 2012, 12:58:22 PM
Tried calling recon about a Hyatt card, they told me its still in verification process, can't help me.anyone have experience with this?
Title: Re: Chase Reconsideration
Post by: Shmelly on June 13, 2012, 03:35:25 PM
I've called Chase recon on 7 cards, including 2 today. Each time they've granted my request on the 1st try with no sweet talking, excuses, etc. On every call I've simply said "I was denied for this card, can you approve it by shifting over a portion of the CL/closing a different card in order to open it?". That's it - no preliminaries, no nothing. Why are some people given so many issues?
Title: Re: Chase Reconsideration
Post by: JEWDA on June 13, 2012, 03:35:29 PM
Tried calling recon about a Hyatt card, they told me its still in verification process, can't help me.anyone have experience with this?
If they can't help you I don't think anyone here can.
Title: Re: Chase Reconsideration
Post by: robi on June 13, 2012, 03:52:36 PM
I'm looking for info on "verification stage", if this has ever happened to anyone, and what it means
Title: Re: Chase Reconsideration
Post by: meshugener on June 13, 2012, 04:05:16 PM
Last week I called for Hyatt card to recon and da lady told me the Hyatt card needs first to go through - I don't remember what fancy word she said (maybe verification, not sure) so I hung up and called the other number - credit analyst, and they didn't make me that problem. (not saying they didn't make me other problems.... But it was finally approved after HUCACACACACACA..)
Title: Re: Chase Reconsideration
Post by: robi on June 13, 2012, 04:12:12 PM
Last week I called for Hyatt card to recon and da lady told me the Hyatt card needs first to go through - I don't remember what fancy word she said (maybe verification, not sure) so I hung up and called the other number - credit analyst, and they didn't make me that problem. (not saying they didn't make me other problems.... But it was finally approved after HUCACACACACACA..)
thnx
Title: Re: Chase Reconsideration
Post by: rcarentals on June 13, 2012, 05:14:48 PM
Anyone have a good idea of an ideal plea for a credit card for someone with NO prior credit history? i;m trying to help some friends who got declined due to NO prior credit history (3 chase applications.. calling about one at a time..)
Any ideas??
:) if someone here got approved why did they agree? what was your supporting argument?
Title: Re: Chase Reconsideration
Post by: gozalim on June 13, 2012, 05:33:55 PM
Last week I called for Hyatt card to recon and da lady told me the Hyatt card needs first to go through - I don't remember what fancy word she said (maybe verification, not sure) so I hung up and called the other number - credit analyst, and they didn't make me that problem. (not saying they didn't make me other problems.... But it was finally approved after HUCACACACACACA..)
from my experience as well as other reports here, credit analyst usually is better than recon
Title: Re: Chase Reconsideration
Post by: meshugener on June 13, 2012, 06:09:10 PM
@rcarentals if they have Chase bank accounts try the love and relationship card.
Title: Re: Chase Reconsideration
Post by: rcarentals on June 13, 2012, 06:43:30 PM
ok good point, i will use that with one of the friends that has chase,... but any ideas for the other who has both no chase nor credit?
Title: Re: Chase Reconsideration
Post by: JEWDA on June 13, 2012, 06:47:11 PM
ok good point, i will use that with one of the friends that has chase,... but any ideas for the other who has both no chase nor credit?
Get them a capital one card. Chase is tough on new credit.
Title: Re: Chase Reconsideration
Post by: rcarentals on June 13, 2012, 06:48:21 PM
Get them a capital one card. Chase is tough on new credit.
they already applied,... now we're in the dealing with reconsideration stage? trying to be creative and give compelling reasons :)
Title: Re: Chase Reconsideration
Post by: meshugener on June 13, 2012, 06:54:15 PM
+100 to JEWDA
Ill be honest with you, you'll have a hard time. But still, I wish you good luck!
Title: Re: Chase Reconsideration
Post by: rcarentals on June 13, 2012, 08:46:34 PM
whew,... after about 10 calls tonight, between the analst and reconsideration (not sure the real difference as they are both in the lending department...)
i got my friend approved for the united card with a 1k limit. not bad for someone with zero previous credit, only 6 months being an additional user on a card he was not liable for.. and he is only20yrs old..(not that im older but i already have a 12k limit and a amex PRG)  :) lol..

he did a 3bm for the saphire united and freedom, i called like 15 times for the sapphire 2-3 times for the others respectively over the past 3 weeks.. tonight after about 9 calls reconsidering the sapphire, i called once for the united, and, without barely any questions got it approved! i then went on to press for the freedom but was declined,.. so i will probably stop there.. in the meantime i asked them to expedite the card and it will be arriving in "1 to 2 business days" :)
sweet ending to one of the story's...

got 1 more friend to go, who signed up for the same 3,... and 1 more who signed up but was then declined and had all his credit cards closed. he really must've pissed some ppl off there b/c they were barely willing to speak with me every time they started reading the notes :D lmao...

still looking for ideas for someone without a chase checking as the one that just got approved had a chase checking wich might've helped?...
Title: Re: Chase Reconsideration
Post by: rcarentals on June 13, 2012, 09:07:12 PM
any guys ever called up reconsideration on behalf of a girl?
if so what did you do? say that you are a girl and yet speak with your normal manly voice?
or tell them "i'm calling on behalf of my wife"? lmao dont know what to do???
Title: Re: Chase Reconsideration
Post by: JEWDA on June 13, 2012, 09:10:56 PM