Author Topic: Chase Reconsideration (Read 2414401 times)

Tzfas · « **Reply #10060 on:** March 17, 2016, 12:35:20 PM »

From all my HUCA today it seems that its best to call for personal cards right away, don't let it get declined, its much harder to push through or move credit to a card that's been declined.

Iz · « **Reply #10061 on:** March 17, 2016, 01:52:04 PM »

I don't understand how HUCA could help; the rep knows about the previous calls, and just gets annoyed about the HUCA.

benjie1305 · « **Reply #10062 on:** March 17, 2016, 01:53:08 PM »

Quote from: Iz on March 17, 2016, 01:52:04 PM

I don't understand how HUCA could help; the rep knows about the previous calls, and just gets annoyed about the HUCA.

YMMV. Not all reps reference prior calls. That is why some get cards approved after the fifth time. Following your logic HUCA never should be attempted which we know is not true.

yochiek93 · « **Reply #10063 on:** March 17, 2016, 01:53:20 PM »

Quote from: Iz on March 17, 2016, 01:52:04 PM

I don't understand how HUCA could help; the rep knows about the previous calls, and just gets annoyed about the HUCA.

Try another number

Iz · « **Reply #10064 on:** March 17, 2016, 01:55:33 PM »

Quote from: yochiek93 on March 17, 2016, 01:53:20 PM

Try another number

I did, and she still knew.

Iz · « **Reply #10065 on:** March 17, 2016, 01:56:29 PM »

Quote from: benjie1305 on March 17, 2016, 01:53:08 PM

YMMV. Following your logic HUCA never should be attempted AT CHASE which we know is not true.

...which is exactly my question.

David Smith · « **Reply #10066 on:** March 17, 2016, 02:05:19 PM »

Quote from: Iz on March 17, 2016, 01:52:04 PM

I don't understand how HUCA could help; the rep knows about the previous calls, and just gets annoyed about the HUCA.

There are worse things on life than having a Chase rep annoyed at you. Worst case scenario, you develope a terrible case on instant onset appendicitis and HU.

Iz · « **Reply #10067 on:** March 17, 2016, 02:07:27 PM »

Quote from: David Smith on March 17, 2016, 02:05:19 PM

There are worse things on life than having a Chase rep annoyed at you.

That's not the point. The point is, how could it help?

benjie1305 · « **Reply #10068 on:** March 17, 2016, 02:10:18 PM »

Quote from: Iz on March 17, 2016, 02:07:27 PM

That's not the point. The point is, how could it help?

It has been proven 1000+ times that HUCA got the job done and the first rep that did not want to approve it was overturned by a second rep that approved it.

David Smith · « **Reply #10069 on:** March 17, 2016, 02:13:48 PM »

Quote from: Iz on March 17, 2016, 02:07:27 PM

That's not the point. The point is, how could it help?

Because sometimes you get a rep who's nasty, and sometimes you get a rep who's great. That's why you HUCA.

Iz · « **Reply #10070 on:** March 17, 2016, 02:14:49 PM »

Quote from: benjie1305 on March 17, 2016, 02:10:18 PM

It has been proven 1000+ times that HUCA got the job done and the first rep that did not want to approve it was overturned by a second rep that approved it.

Quote from: David Smith on March 17, 2016, 02:13:48 PM

Because sometimes you get a rep who's nasty, and sometimes you get a rep who's great. That's why you HUCA.

Got it.

chbochur · « **Reply #10071 on:** March 17, 2016, 03:06:08 PM »

Quote from: mawmaw on March 16, 2016, 09:20:45 PM

good luck 2BM on biz card with chase is very tough but its possible IME i was denied multiple times for two biz cards

Just applied for two business inks called to get the status of both one got approved second was first denied then got overturned during the same initial call, the weird thing is the second card (which was first declined) got a higher credit limit then the first one

AJK · « **Reply #10072 on:** March 18, 2016, 02:49:36 PM »

Quote from: AJK on March 07, 2016, 09:35:06 PM

Did 2BM for Marriott and Marriott Biz for Mrs. AJK.

Both pending. Did not call.

Personal approved for $30K and biz still pending.

For Marriott Biz, received notice in mail asking for proof of address of business. Sent in.

Also, applied for WN-P and WN-B. Let simmer.

Chase recon ended up calling me regarding WN-P. Approved.

wiivile · « **Reply #10073 on:** March 18, 2016, 04:44:31 PM »

Applied for Ink+ yesterday in-branch, the banker told me the application went pending but the banker called in to have it reviewed immediately. The analyst on the phone said she recommended approval but had to get a second approval. She then came back with a denial for having too many recent inquiries or accounts open. I have 4 cards open in the past 24 months, but they all were opened in the past 4 months.

I called reconsideration and explained I would reduce my personal credit lines with Chase ($30K credit lines total with about $60k reported income) because I didn't need that much. I said I wasn't applying for the Ink+ to get more credit, just to get the card. She said she had to send it for second review and would be notified within 2 weeks.

If I reduce my credit lines now, will that show up to whoever does second review at reconsideration? Or should I only offer to reduce my credit lines if I am declined again by second review?