Chase Reconsideration

[TimT]

Well if he says 500K and they want proof and it only shows 50K.

I thought "come tax time" meant the IRS.

[eli.f]

Trying to get the Chase Sapphire. Got the Freedom and the BA Visa in the last 2 months.
Recon said I'm aggressively applying for new credit. They don't want to move credit or close other accounts because they're new.
I called 8-9 times already. One of them actually agreed to move credit, but I didn't know that there was a 5K minimum on the non preferred too. So I said I'll pay my balances and call back. But they said it's not in the notes, so they won't do it.

Any ideas?

[Marco Polo]

Trying to get the Chase Sapphire. Got the Freedom and the BA Visa in the last 2 months.
Recon said I'm aggressively applying for new credit. They don't want to move credit or close other accounts because they're new.
I called 8-9 times already. One of them actually agreed to move credit, but I didn't know that there was a 5K minimum on the non preferred too. So I said I'll pay my balances and call back. But they said it's not in the notes, so they won't do it.

Any ideas?

Have you tried SM'ing?

[eli.f]

Have you tried SM'ing?

Actually, I just remembered that some people reporting success with it, so I just finished writing them.
Hope it works. They already reconsidered it twice. So on the phone, they won't even reconsider.

Have you ever had success with SM?

[TimT]

Actually, I just remembered that some people reporting success with it, so I just finished writing them.
Hope it works. They already reconsidered it twice. So on the phone, they won't even reconsider.

Have you ever had success with SM?

Many have had success although it seems to be getting harder lately.

[rivkao]

Many have had success although it seems to be getting harder lately.

Everything is hard lately with Chase. It's interesting how they became the bad guys and barclays the good guys. I used to love 'em.

[eli.f]

Everything is hard lately with Chase. It's interesting how they became the bad guys and barclays the good guys. I used to love 'em.

Barclay have loosened a little lately, but I wouldn't call them 'The good guy' just yet.
Not to mention their offers aren't as valuable.

[etech0]

there was a 5K minimum on the non preferred too.

BTW, this is not necessarily true.

[eli.f]

BTW, this is not necessarily true.

What do you mean by that? Where have you heard otherwise?

[etech0]

What do you mean by that? Where have you heard otherwise?

My SP has a $4500 CL (lowered when I recon'ed for the Marriott card). The rep said she thought I might lose some benefits, which I said was fine (as I would have been willing to downgrade to non-preferred anyways), but AFAIK the benefits haven't changed.

[TimT]

My SP has a $4500 CL (lowered when I recon'ed for the Marriott card). The rep said she thought I might lose some benefits, which I said was fine (as I would have been willing to downgrade to non-preferred anyways), but AFAIK the benefits haven't changed.

Can you get approved for that CL ? Or only once you have that card you could lower it

[Yaalili]

Can you get approved for that CL ? Or only once you have that card you could lower it

When i get it, they said minimum to open it was 5k, you can lower later.

[eli.f]

Can you get approved for that CL ? Or only once you have that card you could lower it

You can't get approved for that. But you can lower it to that. I know someone with a CSP with a $500 CL.

[TimT]

When i get it, they said minimum to open it was 5k, you can lower later.

Any logical explanation for that ?

[eli.f]

Any logical explanation for that ?

Any Visa signature is like that. Many premium card have minimum CLs for opening the card. That way, only someone 'worthy' of it, will get approved.
After you have it, I guess they don't care.

[avrumy22]

I do not believe it!!!! 

I called recon 3 weeks ago for a chase ink card and the rep told me that she would approve for the card. I have not received the card and called back chase. They told me they have declined my card!!

Anyone have this?

[yoss6400]

i was A/A'd a year ago and they also closed my wifes cc's she reapplied 6 months later and got a 5k cl card and applied for another card 2 months later and got a  18k cl , the question is i want to avoid a aa should i request to lower the cl ? or leave it @18k

[htg123]

i was A/A'd a year ago and they also closed my wifes cc's she reapplied 6 months later and got a 5k cl card and applied for another card 2 months later and got a  18k cl , the question is i want to avoid a aa should i request to lower the cl ? or leave it @18k

You might get mixed responses.. But if you've already been A/A'ed play it safe and lower the CL

[TimT]

i was A/A'd a year ago and they also closed my wifes cc's she reapplied 6 months later and got a 5k cl card and applied for another card 2 months later and got a  18k cl , the question is i want to avoid a aa should i request to lower the cl ? or leave it @18k

Was it 2 separate A/A's  or they closed your wife's accounts because of your A/A ?

[yoss6400]

Was it 2 separate A/A's  or they closed your wife's accounts because of your A/A ?

they closed my wifes because of my A/A