Chase Reconsideration

[Barryg]

+1 That's the real chap here. It's not always +30 days. Only if the recon really goes through the recon process. Hard to know what info you can supply to get an actual recon.

Probably being nice to the rep...

[pbarnes]

Well... I guess it's good in a way that they won't open cards that bind companies into paying them without verification but why not call *before* approving and sending the cards? We even saw INQs on our D&B and EQ Biz. Makes zero sense to me. We've never had a single verification problem with AMEX or any other bank.

I have to say Chase customer service has been shockingly bad. We sent the docs 2 days ago. I called them and they said that it takes 7-14 days to "receive" the fax. Really? So I sent it again via SM and told them to forward to the right department.

I'll probably try the EO next week if I don't hear back. We were actually considering moving our business banking over to Chase... not any more.

Edit: LOL. We just received a letter about needing the docs. It arrived 5 days after the cards. Great service.

I just wanted update on my last post in case that happens to anyone else. After SM'ing the docs, it took approx 7 business days for them to 'unclose' the account. Unfortunately because of their inability to verify on the initial application (still don't know why), they gave us a low 5K limit (which is basically useless since we put 6+ figures onto AMEX).

I'm going through the process of a CLI, and trying to get that via SP.

[IsraelGuy]

Had recently done a 3BM with chase - United Mileage plus got approved instantly, but BA and SP got put on hold. Called today and they said they had detected multiple applications in short amount of time and that's why they didn't approve the other two. Probably just didn't click fast enough, but I wonder if maybe their systems are getting a little smarter...just thought I'd share to see if anyone else had a similar experience recently.

[hertzinstl]

Called today and they said they had detected multiple applications in short amount of time .

I had the same thing on a 2BM

[smaxber]

I had the same thing on a 2BM

when?

[mawmaw]

had the same on July did a 3BM IP SP BA no instant approvals recon for sp and ba approved for both ink was declined after multiple hucas   fico score was 680 

[AnonymousUser]

I have already IB, Freedom, and UMPE, and I did a 2BM for IP and BA. BA was approved by transferring CL from United, but they didn't want approve the IP even by transferring from the IB since it's not a real CL. The numbers I gave for personal and business income were low since I don't have anything on the books,  and I told a rep what the business does. Is there a point in HUCA? What do I have to bargain with? TIA

[pbarnes]

I'm going through the process of a CLI, and trying to get that via SP.

So... I was able to get them to reconsider the CL, but... I just got this:

"A Credit Specialist will review the information and provide a decision within 7 to 10 business days."

The app status line says 7-10 days. Is that a denial like a normal card app, or are CLI requests different?

Edit: I have to say, my dealings with Chase so far have left a not so favorable impression. I don't know if it's because of all the verification stuff originally, but I'd give their CS a 4/10 vs a 9-10/10 for AMEX. Maybe my credit profile is more what AMEX likes (high income + high revenues on business but short history [~2 years]), but... if AMEX was accepted everywhere I would seriously reconsider doing business with Chase again.

[schneury]

i applied for wife for the chase BA United and sapphire cards in a 3bm, the BA was instantly approved when i tried calling about the united card the rep said too many credit applications so i asked to move around credit after being put on hold was told that she currently has already 2 cards for only 5 months and they just approved for a 3rd so they need longer credit history of current cards.
i huca and the rep read the notes and said the same thing asked for a supervisor and again a no go, is it worth trying again or are they all gonna read the original notes and decline the card?
thanks

[Marco Polo]

i applied for wife for the chase BA United and sapphire cards in a 3bm, the BA was instantly approved when i tried calling about the united card the rep said too many credit applications so i asked to move around credit after being put on hold was told that she currently has already 2 cards for only 5 months and they just approved for a 3rd so they need longer credit history of current cards.
i huca and the rep read the notes and said the same thing asked for a supervisor and again a no go, is it worth trying again or are they all gonna read the original notes and decline the card?
thanks

Try SM'ing.

[ayman]

and if SM is a no go?

[Marco Polo]

and if SM is a no go?

Work on a great reason why you need so many so soon.
When starting out, never great idea to be "too" greedy. There is some merit to building a relationship with a bank.

[hertzinstl]

when?

2 weeks ago

[bobthebuilder]

When starting out, never great idea to be "too" greedy. There is some merit to building a relationship with a bank.

+1 my first time with chase i got approved with two in one shot, but had issues... keep it low in the beginning, then churn like crazy 

[schneury]

Work on a great reason why you need so many so soon.
When starting out, never great idea to be "too" greedy. There is some merit to building a relationship with a bank.

She actually had chase cards for over 2 years but 5 months ago closed those to open the ones she has now so I told that to chase and they said that the current cards are not open long enough so there is nothing that they could do now

[Marco Polo]

She actually had chase cards for over 2 years but 5 months ago closed those to open the ones she has now so I told that to chase and they said that the current cards are not open long enough so there is nothing that they could do now

Try HUCA'ing. There will be a point where it will probably not get approved and you will just have to wait.

[askmoses]

They definitely seem tougher... I called for SP and SW and a 40 min phone call to evaluate it happened which resulted in a recommendation for the SP. I will try to call later for the SW but that rep wasn't going to allow it. It certainly had to do with the fact that even though I didn't apply for new Chase cards since last December, they think they were giving me too much credit overall. I really had to sweet talk but I'm optimistic I'll get the SP approved on it's own merit. Hopefully then I'll be able to cut/cancel another card to get the SW approved. 

Update: Was rejected for the SP on it's own merit on the grounds of too much credit approved per my income overall. Managed to get it open by cutting part of a business line and part of a consumer line.

I then paid down another consumer card and had them cancel it and use the line to approve the SW card. Still pending right now (and I hope it won't be rejected as the SP was initially after my first recon attempt) but I think I will get it approved as I am using a current line to get it open.

[AnonymousUser]

I have already IB, Freedom, and UMPE, and I did a 2BM for IP and BA. BA was approved by transferring CL from United, but they didn't want approve the IP even by transferring from the IB since it's not a real CL. The numbers I gave for personal and business income were low since I don't have anything on the books,  and I told a rep what the business does. Is there a point in HUCA? What do I have to bargain with? TIA

Bump.

[Marco Polo]

Bump.

You can always try HUCA. Did you SM?

[AnonymousUser]

You can always try HUCA. Did you SM?

What reason can i give? They obviously don't want to give me more CL at this point.