Chase Reconsideration

[MC]

Had an interesting convo with a Chase rep who told me that because my two applications were submitted so close together, one did not get fully processed.
Which doesn't really make sense with the whole point of 2/3BMs.
Either way, she was able to approve the United by shifting some credit. Now onto the Marriott

[etech0]

Had an interesting convo with a Chase rep who told me that because my two applications were submitted so close together, one did not get fully processed.
Which doesn't really make sense with the whole point of 2/3BMs.
Either way, she was able to approve the United by shifting some credit. Now onto the Marriott

Hey, you did the same 2BM? Cool!

Well my tip of the day: pay off any outstanding balances, even ones that aren't due, before calling (or maybe before applying). Will be one less thing for you to "explain"

[Marco Polo]

Had an interesting convo with a Chase rep who told me that because my two applications were submitted so close together, one did not get fully processed.
Which doesn't really make sense with the whole point of 2/3BMs.
Either way, she was able to approve the United by shifting some credit. Now onto the Marriott

It happens. The system may think it is duplicate apps. That is why one should call after submitting to make sure.

[Novo]

Had an interesting convo with a Chase rep who told me that because my two applications were submitted so close together, one did not get fully processed.
Which doesn't really make sense with the whole point of 2/3BMs.
Either way, she was able to approve the United by shifting some credit. Now onto the Marriott

Congrats!
Have you gotten a second pull?
I'll answer for you, no.

[MC]

Hey, you did the same 2BM? Cool!

The only two business cards I could find besides Ink.

It happens. The system may think it is duplicate apps. That is why one should call after submitting to make sure.

Which I did, last night, and the automated system recognized two separate apps - both pending. The rep may have been spouting nonsense but she seemed like one who knew her stuff. Even offered to shift the credit to help the United card before I could make the suggestion.

[etech0]

The only two business cards I could find besides Ink.

Aha! I did both personal ones

[MC]

Congrats! Have you gotten a second pull?
I'll answer for you, no.

Nope, but I did still double and triple checked with her that she wasn't going to pull before she put me on hold!

[sm8542]

applied yesterday for the united and sapphire the United approved (7000) the sapphire pending 7 to 10 days I called landing department 5 times they are saying they are not seeing my sapphire application maybe cause I forgot to apply with 2 browsers anyone had this ?

[sm8542]

huce'd already 20 times about my sp they are saying they are seeing on the notes  its has been reconsidered already 

[clear thinker]

huce'd already 20 times about my sp they are saying they are seeing on the notes  its has been reconsidered already

Maybe u by mistake applied twice for the united?  It's already happened!

[clear thinker]

Wooo after 45 mins on the phone with a rep so far it's a no go!
I picked a wrong name for my business! (Bad luck) one that has over 10 leans on it!
Rep says I should call to dispute it first then I can call back but they would have to pull again!

[sm8542]

Maybe u by mistake applied twice for the united?  It's already happened!

no I applied ones for the united and approved I called landing department they told me they don't see the sapphire application and they told me to reapply and I got declined and trying now to get a approved I huco 20 times but they are saying they are seeing in the notes its has been reconsidered already so that's mean the huca is over ? Since they are having notes ?   

[clear thinker]

no I applied ones for the united and approved I called landing department they told me they don't see the sapphire application and they told me to reapply and I got declined and trying now to get a approved I huco 20 times but they are saying they are seeing in the notes its has been reconsidered already so that's mean the huca is over ? Since they are having notes ?

NO till 30 days u can huca away!

[clear thinker]

Btw data point the previous rep (that I was on the phone with for 45 mins!) Told me that they do personal and Business recon It's one Department, she told me that they recently re-trained everyone to do both.
So you can just call any number no issue with the different hours of business vs personal recon.

[@Yehuda]

Instead of doing a 3BM, I tried a different route.

I applied just for my wife for UA, got pending, called and they just wanted to verify a few transactions on another card and then approved! b"h

Typing this as I'm on the phone and each stage progresses...

Then, I applied for SP, got pending, called and found out that the downgrade I did to my SP yesterday didn't kick in yet, so the app was declined for having the same card already. Frustrating bc last time I did this, it was downgraded the next day and this time I even called first to ask if my card was currently an SP or a regular and they told me regular. Yet, the app system still picked up on me having the same card. Got awkward when the rep asked why I downgraded a card and then applied for that same card the next day. Said that I wanted to still try out the card but didn't want to deal with the AF yet (yeah, not a great answer) and then she rocked me by saying that I only opened my first SP in April so the AF wouldn't hit for a few months still. I gave another "eh" answer by saying that I'm very nervous and OCD with my credit cards and just wanted to extend the length I have to try out this card w/o an AF. So she started reviewing, then got back on the phone and said she needs to pull my CR because the first app never even processed so they haven't pulled yet. I said okay (because that should still be only 1 visible pull on CR today from Chase). Came back on the phone and said I have too many cards or credit or something and then OFFERED to close a card for me - specifically the regular Sapphire that we were just talking about! lol Then she got back on the phone and told me she can't close the Sapphire because I have points in the account - ARGH! Another lesson learned today, etech - get your Chase points into a different account before closing (I just didn't realize she would ask me to close a card). So, I said let me go online and see if I can transfer them now into my Freedom and if that will show up in your system. I did that and gave her the confirmation number of the transfer over the phone. Then she transferred me to fraud verification. Fraud team kept me on hold for a while then came back to verify almost the same details about my Freedom card that they verified with my UA app. Regular rep got back on the phone and in a few minutes, approved me! b"h

Then, I applied for BA, got pending, called and was told they need the fraud verification team again. Again, they asked questions about my Freedom card. But, this time they also want me to fax over a copy of my driver's license Had to deal with that before and it's just annoying because first a rep gets it and scans it into their system and then they review it in the order received, so it could take a few days. But, otherwise it looks like that one may get approved.

So... I would say this worked better than the traditional 3BM. I did submit each app in a new browser just to avoid duplicate apps but again, I applied then called then applied then called, etc. 100K-150K points in one day, not bad!


PS If I had to guess, the need for verification on all 3 cards today might have been due to the fact that my wife's Chase account had a fraud issue on it a few months ago.

[etech0]

told me she can't close the Sapphire because I have points in the account

Ha! If only they would have tried that one with me...

Anyways, glad you got all your cards!

[DBK]

Instead of doing a 3BM, I tried a different route.

I applied just for my wife for UA, got pending, called and they just wanted to verify a few transactions on another card and then approved! b"h

Typing this as I'm on the phone and each stage progresses...

Then, I applied for SP, got pending, called and found out that the downgrade I did to my SP yesterday didn't kick in yet, so the app was declined for having the same card already. Frustrating bc last time I did this, it was downgraded the next day and this time I even called first to ask if my card was currently an SP or a regular and they told me regular. Yet, the app system still picked up on me having the same card. Got awkward when the rep asked why I downgraded a card and then applied for that same card the next day. Said that I wanted to still try out the card but didn't want to deal with the AF yet (yeah, not a great answer) and then she rocked me by saying that I only opened my first SP in April so the AF wouldn't hit for a few months still. I gave another "eh" answer by saying that I'm very nervous and OCD with my credit cards and just wanted to extend the length I have to try out this card w/o an AF. So she started reviewing, then got back on the phone and said she needs to pull my CR because the first app never even processed so they haven't pulled yet. I said okay (because that should still be only 1 visible pull on CR today from Chase). Came back on the phone and said I have too many cards or credit or something and then OFFERED to close a card for me - specifically the regular Sapphire that we were just talking about! lol Then she got back on the phone and told me she can't close the Sapphire because I have points in the account - ARGH! Another lesson learned today, etech - get your Chase points into a different account before closing (I just didn't realize she would ask me to close a card). So, I said let me go online and see if I can transfer them now into my Freedom and if that will show up in your system. I did that and gave her the confirmation number of the transfer over the phone. Then she transferred me to fraud verification. Fraud team kept me on hold for a while then came back to verify almost the same details about my Freedom card that they verified with my UA app. Regular rep got back on the phone and in a few minutes, approved me! b"h

Then, I applied for BA, got pending, called and was told they need the fraud verification team again. Again, they asked questions about my Freedom card. But, this time they also want me to fax over a copy of my driver's license Had to deal with that before and it's just annoying because first a rep gets it and scans it into their system and then they review it in the order received, so it could take a few days. But, otherwise it looks like that one may get approved.

So... I would say this worked better than the traditional 3BM. I did submit each app in a new browser just to avoid duplicate apps but again, I applied then called then applied then called, etc. 100K-150K points in one day, not bad!


PS If I had to guess, the need for verification on all 3 cards today might have been due to the fact that my wife's Chase account had a fraud issue on it a few months ago.

Wow I am genuinely impressed that you pulled this off

[kivabb]

However, it's not that hard to get more than 2 cards in 30 days despite the official Chase rule of 2/30. I've done it recently at the beginning of August, you just gotta be creative.

I just pushed second one through and getting stonewalled with 2 card/30 day max rule. I asked about shifting credit and they said it's not CL issue but a Chase policy.

Can you shed some light on your creativity in this situation to help me push this through?

[@Yehuda]

Ha! If only they would have tried that one with me...

Anyways, glad you got all your cards!

Wow I am genuinely impressed that you pulled this off

Thanks My best success ratio so far (assuming the faxing-document thing works smoothly).

I just pushed second one through and getting stonewalled with 2 card/30 day max rule. I asked about shifting credit and they said it's not CL issue but a Chase policy.

Can you shed some light on your creativity in this situation to help me push this through?

I honestly feel like there's no rhyme or reason to the reason they give you for rejection. I did 3 today (see above) and no one mentioned 2/30 AT ALL. Yet, each one had to go through fraud security, which I bet you didn't have.

[clear thinker]

Having a bad so far, 3 declined!