Chase Reconsideration

[Hoboken7256]

In the last two weeks there have been numerous data points here and on flyertalk (see last few pages within the thread pasted below) of people getting denied for Chase cards and being told during the reconsideration call,  that it is due to too many recent cards, not necessarily Chase cards, but ANY cards during the last TWO years.  It would certainly appear that Chase is cracking down on churners or people they suspect are playing the churning game.  What's odd though is that some people that are denied only have 4 inquiries or so in the last 2 years which is quite minimal; not sure why Chase would not approve them assuming income, credit score etc are high. Anyway, I definitely think times are changing and it will no longer be easy for people to consistently be approved for 3 or 4 Chase cards per year, especially if they are applying for cards from other banks.

http://www.flyertalk.com/forum/chase-ultimate-rewards/1191535-applying-chase-credit-cards-read-wiki-first-consolidated-227.html

[Hellokitty64]

In the last two weeks there have been numerous data points here and on flyertalk (see last few pages within the thread pasted below) of people getting denied for Chase cards and being told during the reconsideration call,  that it is due to too many recent cards, not necessarily Chase cards, but ANY cards during the last TWO years.  It would certainly appear that Chase is cracking down on churners or people they suspect are playing the churning game.  What's odd though is that some people that are denied only have 4 inquiries or so in the last 2 years which is quite minimal; not sure why Chase would not approve them assuming income, credit score etc are high. Anyway, I definitely think times are changing and it will no longer be easy for people to consistently be approved for 3 or 4 Chase cards per year, especially if they are applying for cards from other banks.

http://www.flyertalk.com/forum/chase-ultimate-rewards/1191535-applying-chase-credit-cards-read-wiki-first-consolidated-227.html

+1
I had an impossible biz recon call where he listed off like every chase and non chase card since beginning of 2014 as a reason of denial

[eliraps]

+1
HUCAd 3 times. spoke to supervisor. no budging. I have too many accounts opened since 2014. i offered to close one of my current cards to no avail. (I did get approved instantly for the united card though)

Do people think that this may be a trigger for for an AA? If so are there any steps I should be taking to try and avoid that? Perhaps closing one of my chase cards?

[hvaces42]

Did 2 biz UMPE and INK Plus and 2 personal UMPE and MArriot pulls today. Called status line and heard 1 out of 4 was pending and others seemed declined. Called Recon he updated all cards that were declined with all the info why they were declined, i.e. too much new credit blah blah blah. Seems like the UMPE biz was pending and is now on to higher review.

[PETERP]

Did 2 biz UMPE and INK Plus and 2 personal UMPE and MArriot pulls today. Called status line and heard 1 out of 4 was pending and others seemed declined. Called Recon he updated all cards that were declined with all the info why they were declined, i.e. too much new credit blah blah blah. Seems like the UMPE biz was pending and is now on to higher review.

UMPE biz has been the only card I was unsuccessful churning with Chase IIRC . Going to try again very soon.

[avadah]

Has anyone been successful with recon via SM in the past 100 years?

[dovy2]

Has anyone been successful with recon via SM in the past 100 years?

Yes

[TimT]

Yes

Personal or biz ?

[dovy2]

Personal or biz ?

Personal

[TimT]

Personal

I wonder if its still possible with biz.

[rileywiles23]

I wonder if its still possible with biz.

I think you just flooded the chase sm feed......

[TimT]

I think you just flooded the chase sm feed......

I meant has anyone had success in recent years.

[PETERP]

I meant has anyone had success in recent years.

Of course.

[SPLP]

In the last two weeks there have been numerous data points here and on flyertalk (see last few pages within the thread pasted below) of people getting denied for Chase cards and being told during the reconsideration call,  that it is due to too many recent cards, not necessarily Chase cards, but ANY cards during the last TWO years.  It would certainly appear that Chase is cracking down on churners or people they suspect are playing the churning game.  What's odd though is that some people that are denied only have 4 inquiries or so in the last 2 years which is quite minimal; not sure why Chase would not approve them assuming income, credit score etc are high. Anyway, I definitely think times are changing and it will no longer be easy for people to consistently be approved for 3 or 4 Chase cards per year, especially if they are applying for cards from other banks.

http://www.flyertalk.com/forum/chase-ultimate-rewards/1191535-applying-chase-credit-cards-read-wiki-first-consolidated-227.html

I AM WITH CHASE 35 OR MORE YEARS -- have an excellent banking relationship -never was denied a card --until today
in past no problem to move credit around -cancel a card --GET APPROVED- have now and for many years 9 -11 cards open one of them open 25+ years

i was told "new policy" ( not chase -all cards )to many credit cards in last 24 months ( 25 cards)- escalated call 2x told can not override system 

will try later or tomorrow calling - but gut tells me - waste of time --I will not give up - just some info to think about 

[TimT]

Is it possible they're looking at the amex au's as separate accounts ?

[PETERP]

Is it possible they're looking at the amex au's as separate accounts ?

Do the 5 AUs I added to my plat card show anywhere .
Methinks not . No DOB or SS .

[TimT]

Do the 5 AUs I added to my plat card show anywhere .
Methinks not . No DOB or SS .

Not your case specifically but a lot of people have been getting the "too many cards recently-not just chase". Wonder if it has to do with all the au's being added recently & reports of it being reported.

[bookwrm]

so stocked, applied for the chase ink plus (haven't applied for anything in like 6 months +) and was approved (after calling recon) with a nice size credit line too. the rep didn't even ask me any question, just verified some information and i was approved.

[asks]

Not your case specifically but a lot of people have been getting the "too many cards recently-not just chase". Wonder if it has to do with all the au's being added recently & reports of it being reported.

Just got shot down harshly for second HUCA in two days...when I persisted, CS mentioned that the notes indicated the earlier call and how CS had already given me same reason for rejection....not sure this one is going to go thru

[Chapshnell]

Ive called 16 times to get 1 application approved at one point. No success = end result