Story of me life...

For just about anything you want to get off your chest about credit cards.
3 posts
swipe_masta
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Story of me life...

Postby swipe_masta » Wed Mar 13, 2013 12:31 pm

So I finally felt it was the right time to apply for CSP. Application said I needed to call Chase for further evaluation (it was 10pm so I had to wait) assuming I was going to be unapproved, I tried to apply for the Citi TYP card. Application approved! But didn't realize until the very end that the link I used was misdirected and I actually applied for the reg TY... So the next morning I call Citi's backdoor # and the lady tells me to apply for the one I want. When I actually apply for for the TYP, I get declined. I call numerous backdoor #s and finally just call the regular customer service line and the very intelligent csr tells me that Citi can only inquire one new app a day and that generally their recon is not very successful. He also told me that since I was approved for the TY card that I could just pc it later on! That took care of Citi. When I called Chase, I was prepared for the worst. But the seemingly nice lady just asked me one by one if all the info was correct. Nothing more. I assumed that they wanted more info or for me to send them income info etc. but no, that was it. I applied with just my first and middle initial and I told them my whole name that was all. She said thank you and that I would be notified in a few days...

1) The moral of the story is, sometimes, reg csr are a hellava lot more helpful than all those backdoor idiots (for Citi anyways).
2) Can anyone share their situation with the CSP? Did they tell you on the spot whether you were approved or not after answering their Q's? What kind of Q's did they ask you? I think the only problem with my app was because I only used my first initial, which on the app it said I could do. Now I feel like I have a nice shot at it.


MemberSince99
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Postby MemberSince99 » Wed Mar 13, 2013 12:42 pm

It sounds like you just called a CSR at Chase. My own personal experience is, they will do NOTHING to help you and will tell you nothing, as you saw. If you want to find out if you are declined or approved (odds are with Chase that's a decline but it's possible it's an approval) then call the analysts number and talk with the people who can help you.

Me, I charged off 2 accounts with them for a lot of month in 2002. I applied for Freedom, and was of course declined. I had to call them 3 times to recon to get an approval. They asked me about the charge offs, why I wanted the card, verified my info, etc. If you can answer these items minus the charge off questions which don't seem to apply to you, then you should be fine. Tell them you really like Chase's products and would like to establish a banking relationship with them, which hopefully would lead to them being your bank of choice, assuming that's true of course. Sounds like a great reason to be a customer, doesn't it? Harder to say no to that.

So that's my suggestion - call the backdoor number, their analysts can make these decisions to a certain level unlike Citi where they can't really, and make your case. Be prepared to give them your info and tell them why you want the card.

swipe_masta
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Joined: Tue Feb 19, 2013 5:22 pm
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Postby swipe_masta » Wed Mar 13, 2013 1:12 pm

I didn't call a random number, I called the number they gave me for further evaluation after I submitted my app. I was expecting the type of questions you were asked, but all the lady did was go thru the info on my app. I told her my whole name which seemed like the only matter (I hope). I don't really care either or. As a 23yr old single guy, I don't really cook at home and eat out with friends a lot, so I thought the 2x points was awesome esp when drink tabs get pretty high lol. Im still hung up on the Forward gettin discontinued (imagine how much points I would rack up when I eat out almost nightly). If Im approved yay! If not I just wasted an inquiry.



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