I'm still not sure what to make of CPC. I went with my wife to one of our local branches. I became a CPC 1 week ago, but the CPC wasn't here today. We went to a regular banker and my wife applied through him. We told him we are CPC. She was not pre-approved, and the screen said pending. He called in and was told we would get a decision in a week or 2. He didn't push hard. When we went home, my wife called and was told a decision was already made and she was rejected for "too many accounts in past 2 years" (10/24). She mentioned that CPC banker told us CPC is supposed to help us bypass that. The guy then said "let's have another look" and asked my wife questions about employer, income, then asked if he could reallocate some funds. She said yes, and she was approved for $10K! So in this instance, I know that CPC helped.
I applied last Monday 8/22 and was rejected for 12/24. I joined CPC the next day (I know know I should've done it before applying, but I didn't think I would get accepted as CPC) and call recon after that. The CSR said they would reconsider my app (previously was a hard rejection), and that I would hear in 1-2 weeks. It's been several days now. I'm going to wait a couple weeks, but given my wife's success, I wonder if the agent I spoke with had the power for me to be approved.