CarefulBuilder14 wrote:My point was that there are many counterexamples and no "pending" message should be taken to "almost certainly" mean anything in particular.
Some people who "wait it out" and don't call Chase do still get declined.
Yes, applicants' odds of approval from "waiting it out" do at first glance seem to be better than their odds if they call to try to speed things up with recon. Maybe they genuinely are better, but one problem with trying to draw conclusions from that is that applications can go pending for a number of reasons.
I don't even think every application can be instantly reconned. When I called lending on a Monday to ask about my pending Hyatt application from Friday, there was no clear opportunity to discuss the merits of my application. The CSR just sai it was pending and told me to wait, and I wasn't inclined to push and irritate her.
IHG doesn't require a $5k SL, or at least it didn't in June. My SL was $4k then.
There are certain people who basically extrapolate the whole "don't call" thing to mean "if pending, just don't call and you'll be approved". A few posters are notorious for pushing that myth.
Yes, calling recon puts you under the microscope immediately, but since none of us work for Chase, no one can say whether the "30 day review" process is any different -- presumably just slower.