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Chase Recon #1: 1-888-270-2127 or 1-888-245-0625 (no longer in service) 1-800-527-7419[Mon-Fri 7:00AM-10:00PM Sat 8:00AM-5:00PM Sun 9:00AM-5:00PM ET]
Chase Recon #2: 1-888-609-7805 [Mon-Fri 8:00AM-5:00 PM ET]
Chase Business Recon #: 1-800-453-9719 [Mon-Fri 8:00AM-5:00PM ET]

Chase Fraud # 1: 1-877-470-9042  [Mon-Fri 8:00AM-8:00PM ET]
Chase Fraud # 2: 1-800-278-8830
(If you have a fraud alert on your account, recon will instantly transfer you here for verification, so you might as well call directly)

To fax in verification documents:
#1: 888-643-9624
#2: 888-643-9628
#3: 201-328-3289 (according to a rep from this dept, it's quicker than the other listed numbers)

Chase CS #: 1-800-432-3117

To know whether your application is pending or declined:
Call CS 1-888-338-2586 or 1-800-432-3117 and press # or 1. (If it's asking for your full 16 digits account number, it's 1. If it's asking for only your last 4 digits, it's #)
Press 3, then 1, then key in your SSN.
If you hear:
This application is being reviewed. You will be notified in writing of our decision, in approximately 2 weeks
It's pending.
If you hear:
This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision
It's been declined.

No matter what the status of your app is or what the page said after you hit submit or what Chase emailed you, etc... CALL TODAY! Any "pending" issues can either be addressed once you get your letter in the mail in 2 weeks, or you can JUST CALL TODAY!
And if at first you don't succeed HUCA, HUCA, HUCA etc. If they tell you there's a max of 2 cards per 30 days, HUCA!
PS: If the reason you were declined on a 5/24 card is 5/24, and you are indeed 5/24, YOU WILL NOT GET APPROVED.



Author Topic: Chase Reconsideration  (Read 1260615 times)

Offline mmgfarb

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Re: Chase Reconsideration
« Reply #10755 on: November 25, 2016, 01:16:56 AM »
They ask that for purposes of calculating 5/24 and assessing a person's indebtedness/spending habits, not so they can give people extra creditworthiness points.

"I'm responsible for these two high-limit AU cards that make me look more creditworthy, but I'm not responsible for these other two low-limit AU cards that push me past 5/24" is a silly argument.
I'm finished with this argument, we can agree to disagree. One last thing though, recon is a fickle beast, what you might consider a "silly" argument, may be exactly what gets you approved. There is no "exact formula" for getting recon to approve you, you listen to what they say and respond in the way you think is what they want to hear. They don't have many rules that they have to follow and many times the regular reps have the power to approve or decline you right there without sending the app to a senior lending officer.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

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Re: Chase Reconsideration
« Reply #10756 on: November 25, 2016, 01:23:50 AM »
All of that is great, but it doesn't change the fact that this woman has already called three or four times and has already told Chase that her husband *isn't* responsible for any of the AU cards, which was apparently noted on the app and quoted back to her in a subsequent call.

She can keep calling, but as I said in my initial reply, it will most likely prove to be a waste of time.

Offline mmgfarb

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Re: Chase Reconsideration
« Reply #10757 on: November 25, 2016, 01:29:52 AM »
most likely prove to be a waste of time.
All it takes is to convince one agent to overlook that, don't underestimate the power of HUCA. Also SROYA.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

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Re: Chase Reconsideration
« Reply #10758 on: November 25, 2016, 02:06:41 AM »
All it takes is to convince one agent to overlook that, don't underestimate the power of HUCA. Also SROYA.

Overlook what? The fact that the person suddenly wants to claim credit for several AU cards that she earlier said were entirely someone else's responsibility?

Also, there's no "power of HUCA." One's odds of a successful recon drop with each successive recon call. Two or three tries is one thing, but if those fail, the odds of call #5 or #10 working are slim to none.

Offline mmgfarb

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Re: Chase Reconsideration
« Reply #10759 on: November 25, 2016, 02:12:05 AM »
Overlook what? The fact that the person suddenly wants to claim credit for several AU cards that she earlier said were entirely someone else's responsibility?

Also, there's no "power of HUCA." One's odds of a successful recon drop with each successive recon call. Two or three tries is one thing, but if those fail, the odds of call #5 or #10 working are slim to none.
You've been completely missing the point this whole time. The OP asked a question, I gave her what I thought to be the best advice I could offer as to what she could try to do. I agree it's not an ideal situation and I never said she has a good chance of getting that approval. You haven't given any advice to anything at all, you've just been naysaying everything and making assunptions. Until you have something constructive to say, please stop saying, thank you very much.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

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Re: Chase Reconsideration
« Reply #10760 on: November 25, 2016, 02:28:43 AM »
You've been completely missing the point this whole time. The OP asked a question, I gave her what I thought to be the best advice I could offer as to what she could try to do. I agree it's not an ideal situation and I never said she has a good chance of getting that approval. You haven't given any advice to anything at all, you've just been naysaying everything and making assunptions. Until you have something constructive to say, please stop saying, thank you very much.

LOL.

I offered advice in my very first reply: http://forums.dansdeals.com/index.php?topic=8398.msg1602122#msg1602122

Getting a $10,000 CL elsewhere and having several of the low-limit AU cards deleted from his credit reports = the best path to a Chase CSR within the next 2-3 months.

Offline yochiek93

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Re: Chase Reconsideration
« Reply #10761 on: November 25, 2016, 03:17:19 AM »
Also, there's no "power of HUCA." One's odds of a successful recon drop with each successive recon call. Two or three tries is one thing, but if those fail, the odds of call #5 or #10 working are slim to none.
you have a lot to learn my friend.

Offline mmgfarb

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Re: Chase Reconsideration
« Reply #10762 on: November 25, 2016, 08:48:44 AM »
you have a lot to learn my friend.
Finally.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline yochiek93

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Re: Chase Reconsideration
« Reply #10763 on: November 25, 2016, 08:49:55 AM »
Finally.
After HUCAing for hours and my partners going insane it gets done

Offline mmgfarb

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Re: Chase Reconsideration
« Reply #10764 on: November 25, 2016, 08:50:41 AM »
After HUCAing for hours and my partners going insane it gets done
Nice!
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline yhalps

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Re: Chase Reconsideration
« Reply #10765 on: November 25, 2016, 12:54:30 PM »
does anyone know if Chase would approve an applicant if a settlement was made in the past?

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Re: Chase Reconsideration
« Reply #10766 on: November 25, 2016, 01:12:48 PM »
does anyone know if Chase would approve an applicant if a settlement was made in the past?
so after calling recon, when calling to find out my status, the message switched from 7-10 days to 30 days. any one know what my chances are?

Offline jsk173

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Re: Chase Reconsideration
« Reply #10767 on: November 25, 2016, 03:02:06 PM »
you have a lot to learn my friend.

You think one's chances of success *increase* with each successive recon call?

LOL.
« Last Edit: November 25, 2016, 03:09:40 PM by jsk173 »

Offline yochiek93

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Re: Chase Reconsideration
« Reply #10768 on: November 25, 2016, 03:25:56 PM »
You think one's chances of success *increase* with each successive recon call?

LOL.
I never said that all I'm saying is HUCA it really does work

Offline jsk173

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Re: Chase Reconsideration
« Reply #10769 on: November 25, 2016, 03:28:52 PM »
I never said that all I'm saying is HUCA it really does work

After the fourth or fifth try, it works about as often as asking a woman out after she's already rejected you five times.

In this particular case, the applicant in question has apparently already HUCA'd several times, her case is weak, and the CSRs apparently see a note that she's tried to change her story. As with anything, there's a chance at getting lucky on try #5 or #10, but in this case, it's a very slim chance.