Chase application 7 to 10 days message: Got any tips for approval?

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Luxe
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Chase application 7 to 10 days message: Got any tips for approval?

Postby Luxe » Mon May 20, 2013 12:12 pm

I got the 7-10 day notice as expected (email says 30 days). I've read that calling the reconsideration number right away can help. Is this true and if so is there a special number to call? I assume I would just explain my planned use of the card (planned travel & dining) and what other cards (like Amex) and limits I have without coming off as too entitled.


MemberSince99
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Postby MemberSince99 » Mon May 20, 2013 12:36 pm

The number you want is this is what I used about my CSP last week.

It may not be a denial. Just be prepared to answer whatever questions they have, make your case and be very nice. It works wonders.

Luxe
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Postby Luxe » Mon May 20, 2013 12:43 pm

Did you call before you got a notice? They haven't asked me to call in and I just applied today.

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Postby MemberSince99 » Mon May 20, 2013 12:49 pm

I go the notice when I applied and just made it a point to call underwriting at lunch since I "assumed" it was declined. You can just call underwriting but the sooner the better.

Luxe
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Postby Luxe » Mon May 20, 2013 4:08 pm

Well it didn't work out due to the min limit. They want to see cards at similar limits for awhile first. I learned a bit about the requirements but definitely not worth a HP. I'll eat another applying for a Freedom too :(

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Postby Luxe » Mon May 20, 2013 4:36 pm

And... no luck reconning the Freedom due to AAoA. So many HPs :(

Way to make a loyal Amex customer for sure.

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Postby MemberSince99 » Mon May 20, 2013 4:54 pm

Freedom is different, the CSP requires a min credit limit of 5k which Chase doesn't want to be the first to give you from what I've read but the Freedom can have as low as 500. So you could probably do that.

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Postby Luxe » Mon May 20, 2013 7:55 pm

A recon didn't work for the Freedom which is insane. If it doesn't incur another HP I'm going to recon two or three times.

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Postby MemberSince99 » Mon May 20, 2013 7:59 pm

Shouldn't. I would if you want the card.

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Postby Luxe » Tue May 21, 2013 1:40 am

Would you recommend waiting until a CLI on another card reports (but I think Chase would need to do a pull to see that) or just be persistent and even ask for a $500 limit? They cited wanting at least a year of history, which I can't do much about except wait a few months and suffer another HP.



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