Chase Reconsideration

[etech0]

Having a bad so far, 3 declined!

oy! I'm not one to give advice but you have my sympathy for sure!

[yudamaan]

I applied today for sp and ue, for the sp I had to verify info and was then approved but my ue card was pending so I called up and they approved it for me but when I check the status of my apps it only says that the sp is approved and the ue is still pending is that normal? I'm pretty new to chase

[Novo]

I applied today for sp and ue, for the sp I had to verify info and was then approved but my ue card was pending so I called up and they approved it for me but when I check the status of my apps it only says that the sp is approved and the ue is still pending is that normal? I'm pretty new to chase

The pending is because it takes time for them to set up the card with the FF account.

Don't worry, you're good.

[sm8542]

NO till 30 days u can huca away!

but they having notes that they reconsidered it already and don't want to start to look over again

[clear thinker]

but they having notes that they reconsidered it already and don't want to start to look over again

HUCA: Hang Up Call Again.
A different agent should treat u differently, some are rude and some are really nice!

[tageed-lee]

but they having notes that they reconsidered it already and don't want to start to look over again

I usually tell the next agent that i was told to gather more information and call back... Works most of the time...

[clear thinker]

I usually tell the next agent that i was told to gather more information and call back... Works most of the time...

Not bad! "Gather more information" like what?

[avadah]

Someone mentioned upthread that whenever you call recon it extends the application for another 30 days. Can anyone else verify this?

[TC610]

Someone mentioned upthread that whenever you call recon it extends the application for another 30 days. Can anyone else verify this?

It did for me back in April.

[Yehoshua]

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, impressive. I'm glad it worked out for you.

[clear thinker]

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! Really impressive!
Can u confirm that u only had one pull?

[TimT]

Can u confirm that u only had one pull?

Was wondering the same.

[@Yehuda]

I can try to check tomorrow or the next day. Would want to give it time to make sure it shows up properly. (Not sure how long till pulls show up.)

Thanks Yehoshua and clearthinker. It was very satisfying after several failed XBMs during my last round.

[tageed-lee]

Just did a "traditional" 3BM for my wife. Part of a 6 card AOR.

I called Recon and the rep. was going to send an approval to the "higher ups" for a pending 5k approval on the Sapphire.
Instead of waiting and worrying etc. I just asked her to move 5k from a diff card and approve it, which she did without any issue.
I will definitely call back for the other 2....       
3 out of 6 and counting.....   

[clear thinker]

Does the ba card have a minimum of 5k cl?

[@Yehuda]

So, this is my Experian CR. Does that make you happy? It sure makes me happy. :-)

[clear thinker]

So, this is my Experian CR. Does that make you happy? It sure makes me happy. :-)

Wow! That's great!

[Dr Moose]

Does the ba card have a minimum of 5k cl?

$2k

[clear thinker]

$2k

Tnx.

[NYHeel]

So, this is my Experian CR. Does that make you happy? It sure makes me happy. :-)

Where do you get your Experian credit report? I see my Transunion FICO under Discover and Barclay's site and I can get the report via Credit Karma but how do I get the Experian one?