Author Topic: Chase Denied my Card Application  (Read 1097 times)

Online CountValentine

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Re: Chase Denied my Card Application
« Reply #30 on: July 14, 2020, 11:06:18 AM »
Seems like you both agree it can be fixed,
Full disclosure: Do it relocating credit.  ;)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Moggie

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Re: Chase Denied my Card Application
« Reply #31 on: July 14, 2020, 11:22:04 AM »
Seems like you both agree it can be fixed, @Moggie did you try HUCA?

Good question, I did try HUCA... I called three different people and they all gave me the same robotic response. I requested to shift credit from my Freedom card and they wanted nothing to do with it. Honestly, the only thing that I was able to think of is that Chase is being more careful these days due to COVID 19. I know that I am not a credit risk and the denial is still bologna in my opinion. That said, I will be a lot more weary in my dealing with Chase in the future because AMEX obvious didn't see this as an issue. They approved me on the spot for a generous line. The most ridiculous part of my conversion with one Chase rep was when they told me they would rather approve someone with a much lower credit score and less available credit. Another thought that came to mind is that the banks make more money from people who carry balances and pay heavy APR amounts. Chase could be looking for these types of candidates. Just food for thought...

Online CountValentine

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Re: Chase Denied my Card Application
« Reply #32 on: July 14, 2020, 11:42:59 AM »
Another thought that came to mind is that the banks make more money from people who carry balances and pay heavy APR amounts. Chase could be looking for these types of candidates. Just food for thought...
Bingo!!!
Carry a balance with your line maxed out and expect to get: Congratulations!!! For being such a valued customer we increased your CL. Nothing you need to do except charge more so we get more interest.  :)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Yo ssi

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Re: Chase Denied my Card Application
« Reply #33 on: July 14, 2020, 12:31:54 PM »
Bingo!!!
Carry a balance with your line maxed out and expect to get: Congratulations!!! For being such a valued customer we increased your CL. Nothing you need to do except charge more so we get more interest.  :)
Just follow this advice (under "What Can Hurt Your Credit Scores"): Experian  ;D

Online CountValentine

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Re: Chase Denied my Card Application
« Reply #34 on: July 14, 2020, 12:43:31 PM »
Just follow this advice (under "What Can Hurt Your Credit Scores"): Experian  ;D
They lie.  ;)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Online Joel2

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Re: Chase Denied my Card Application
« Reply #35 on: July 14, 2020, 01:03:30 PM »
Good question, I did try HUCA... I called three different people and they all gave me the same robotic response. I requested to shift credit from my Freedom card and they wanted nothing to do with it. Honestly, the only thing that I was able to think of is that Chase is being more careful these days due to COVID 19. I know that I am not a credit risk and the denial is still bologna in my opinion. That said, I will be a lot more weary in my dealing with Chase in the future because AMEX obvious didn't see this as an issue. They approved me on the spot for a generous line. The most ridiculous part of my conversion with one Chase rep was when they told me they would rather approve someone with a much lower credit score and less available credit. Another thought that came to mind is that the banks make more money from people who carry balances and pay heavy APR amounts. Chase could be looking for these types of candidates. Just food for thought...
Something is missing from the story IMO

Offline Moggie

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Re: Chase Denied my Card Application
« Reply #36 on: July 14, 2020, 01:20:22 PM »
Something is missing from the story IMO

Not sure why you think that. I am being as transparent as it gets. But you are entitled to your opinion.

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Re: Chase Denied my Card Application
« Reply #37 on: July 14, 2020, 01:22:06 PM »
Something is missing from the story IMO
Sometimes they just don't want to give you another card.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline CRACKERJACK

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Re: Chase Denied my Card Application
« Reply #38 on: July 14, 2020, 01:32:15 PM »
Sometimes they just don't want to give you another card.

Who’s they? Chase?
Do the randomly shootout denials from the system?
If it’s the rep’s why wouldn’t huca work?

Offline Moggie

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Re: Chase Denied my Card Application
« Reply #39 on: July 14, 2020, 02:19:45 PM »
Who’s they? Chase?
Do the randomly shootout denials from the system?
If it’s the rep’s why wouldn’t huca work?

HUCA simply didn't work on this. I know some of you don't believe me. But that is just how it all transpired.

Offline Davidthebest

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Re: Chase Denied my Card Application
« Reply #40 on: July 14, 2020, 02:31:43 PM »
HUCA simply didn't work on this. I know some of you don't believe me. But that is just how it all transpired.
I had the same exact experience. Once they said it's too much available credit I was talking to a wall. They didn't want to move credit. Nada.

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Re: Chase Denied my Card Application
« Reply #41 on: July 14, 2020, 02:43:07 PM »
Who’s they? Chase?
Do the randomly shootout denials from the system?
If it’s the rep’s why wouldn’t huca work?
They as in any FI.
Not randomly but based on a broad algorithm.
Recon can look at it more carefully. 
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

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Re: Chase Denied my Card Application
« Reply #42 on: July 14, 2020, 02:51:47 PM »
its not about debt to income, its about available credit to income.....

Do accounts where one is an AU count for that?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Yo ssi

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Re: Chase Denied my Card Application
« Reply #43 on: July 14, 2020, 04:48:08 PM »
I had the same exact experience. Once they said it's too much available credit I was talking to a wall. They didn't want to move credit. Nada.
Probably a new Covid policy, was yours recent?