Author Topic: Chase Reconsideration (Read 2399926 times)

Calvin.8900 · « **Reply #11140 on:** January 12, 2017, 04:42:06 PM »

Quote from: shulem92 on January 12, 2017, 04:27:00 PM

I think u shud quote OP, but anyway they have on record what u said ur responsible for on the previous call, so make sure u have a story about why ur story isn't straight. Lol

Thanks for the advice! I will try to sound really sure about my lack of stability!

Calvin.8900 · « **Reply #11141 on:** January 12, 2017, 04:43:01 PM »

Does anyone know what the chase reconsideration phone operation hours are? I can't seem to find it on the chase website.

as2 · « **Reply #11142 on:** January 12, 2017, 04:45:25 PM »

Quote from: Calvin.8900 on January 12, 2017, 04:43:01 PM

Does anyone know what the chase reconsideration phone operation hours are? I can't seem to find it on the chase website.

Wiki

jsk173 · « **Reply #11143 on:** January 12, 2017, 05:11:23 PM »

Quote from: Calvin.8900 on January 12, 2017, 03:05:00 PM

My SO applied for CSR last week in a local chase branch and got the 5-7 days. We got a letter saying she was not approved because of to many credit lines opened. She has 1 card with a 500$ limit, and is an AU on like 5 other cards, 3 of the 5 other cards are mine, including a CSP with a 10k + limit. We called the reconsideration line today, and talked to someone who was really annoyed that I was talking to them with my SO instead of just my SO talking, and we explained that my wife only had the 1 CC and the others were AU, she kept asking what lines my SO was "responsible" for, and we explained that I work and make over 50k, but she is at home, so it is shared income... admittedly we did not have great answers because I was not sure if my SO was "responsible" for my cards that she is an AU on.. But as I am sure you can guess, the reconsideration lady said she could not approve a 10 k card for my wife. Honestly the reconsideration lady was rather rude, and it has left my wife not wanting to call the line again. Sorry for the long story, but my question is do you think there is any hope for a reconsideration? I was hoping there was since my SO is really at 1/24 , and only looks to be 6/24 because of her AU accounts. Any suggestions?

Chase often keeps track of what people say in recon calls, so you might be in trouble. It sounds like you claimed your wife has little or no income of her own, hence her not having any responsibility for any of the AU accounts, so it might be hard to get Chase to grant her a $10,000 credit limit.

mmgfarb · « **Reply #11144 on:** January 12, 2017, 05:26:14 PM »

Quote from: as2 on January 12, 2017, 04:45:25 PM

Wiki

Quote from: Calvin.8900 on January 12, 2017, 04:43:01 PM

Does anyone know what the chase reconsideration phone operation hours are? I can't seem to find it on the chase website.

Wiki isn't accurate, I called yesterday at 8.

Calvin.8900 · « **Reply #11145 on:** January 12, 2017, 06:01:31 PM »

Quote from: jsk173 on January 12, 2017, 05:11:23 PM

Chase often keeps track of what people say in recon calls, so you might be in trouble. It sounds like you claimed your wife has little or no income of her own, hence her not having any responsibility for any of the AU accounts, so it might be hard to get Chase to grant her a $10,000 credit limit.

I see, when we applied in the chase branch, they said we should claim our income as the household income, which is sourced by me, so I assumed that meant my 50 k was her 50k. (she lives like this is true!:) )
Thanks for information.

jsk173 · « **Reply #11146 on:** January 12, 2017, 06:31:54 PM »

Quote from: Calvin.8900 on January 12, 2017, 06:01:31 PM

I see, when we applied in the chase branch, they said we should claim our income as the household income, which is sourced by me, so I assumed that meant my 50 k was her 50k. (she lives like this is true!:) )
Thanks for information.

The whole "household income" thing is odd. By that standard, your wife would be responsible for the AU accounts, too, since shared income means shared expenses. But liberals pushed it through — only a couple years after a major financial crisis — so that women with no income of their own can still get credit cards of their own. Strange.

Yehuda57 · « **Reply #11147 on:** January 12, 2017, 07:42:24 PM »

Quote from: mmgfarb on January 12, 2017, 05:26:14 PM

Wiki isn't accurate, I called yesterday at 8.

I called before 10, and the message was (paraphrased), "We're closed. Call back when we're open. We close at 10."

yitzgar · « **Reply #11148 on:** January 12, 2017, 10:20:14 PM »

What does this mean?

lechatchileh ariber · « **Reply #11149 on:** January 12, 2017, 11:39:46 PM »

Quote from: Yehuda57 on January 12, 2017, 07:42:24 PM

I called before 10, and the message was (paraphrased), "We're closed. Call back when we're open. We close at 10."

+1 I had the same thing.
Got the message please call us during business hours 8am to 10 pm. 20 minutes later I looked at the clock and it was 9:40 [confused emoji]

as2 · « **Reply #11150 on:** January 12, 2017, 11:42:46 PM »

Quote from: lechatchileh ariber on January 12, 2017, 11:39:46 PM

+1 I had the same thing.
Got the message please call us during business hours 8am to 10 pm. 20 minutes later I looked at the clock and it was 9:40 [confused emoji]

Maybe it's the time zone?

Yehuda57 · « **Reply #11151 on:** January 12, 2017, 11:45:07 PM »

Recon said they would recommend me for approval, I just need to call the verification department. I had been denied due to 5/24, but without au I'm at 4/24.

Can I now lump in any more cards before calling verification, or on the same day? (I know there'll be a new pull)