May 17, 2013, 10:08 pm
Last edit by: beltway
This thread is now archived. For later discussion, see the threads starting at May 2015 (now also closed) and January 2017 (current, with updated wiki).
Applying for Chase Credit Cards- Archived 2008-5/2015
Jul 19, 2013, 4:14 pm
#1172
Join Date: Jun 2013
Posts: 61
I opened my 2nd, 3rd, & 4th CCs last month (Citi AA, CSP, Barclays Arrival) and put my husband as an Authorized User on them.
I recently applied him for his first 4 CCs (ever). He was instantly approved on 3, but was rejected on the Chase Freedom because his accounts increased too quickly/his credit limits rose too fast, the use on them grew too fast compared to the limit (seriously? My statements report a total of 9% use) and he has no accounts older than 2 years. We have no other accounts with Chase and his credit score is 699 - 730 depending on the credit agency.
On a recon call I figure pointing out that he's only an authorized user might help. Any advice on what else I can say? I probably only have one shot at a recon call bc hubby gets cranky about having to do anything besides use the CCs and he's already had to give his info for a recon call twice (when I failed to get him the Marriott CC and the 2nd CSR suggested applying for the Chase Freedom).
I recently applied him for his first 4 CCs (ever). He was instantly approved on 3, but was rejected on the Chase Freedom because his accounts increased too quickly/his credit limits rose too fast, the use on them grew too fast compared to the limit (seriously? My statements report a total of 9% use) and he has no accounts older than 2 years. We have no other accounts with Chase and his credit score is 699 - 730 depending on the credit agency.
On a recon call I figure pointing out that he's only an authorized user might help. Any advice on what else I can say? I probably only have one shot at a recon call bc hubby gets cranky about having to do anything besides use the CCs and he's already had to give his info for a recon call twice (when I failed to get him the Marriott CC and the 2nd CSR suggested applying for the Chase Freedom).
Jul 19, 2013, 5:02 pm
#1173
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
You might be on to something there...
Jul 19, 2013, 10:41 pm
#1174
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Just applied to the Chase Freedom and a few others for my AOR. Froze Experian, which is what EVERYONE but Barclays pulls for me, so I got pending on the 2 cards (is that even an AOR? I'll start putting it in quotes). Let's see what Chase says in "2 weeks."
Jul 19, 2013, 11:02 pm
#1175
Join Date: Feb 2013
Posts: 1,818
Are you gonna try recon, see what they say?
Jul 19, 2013, 11:36 pm
#1176
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Also offered to give up another card that I was going to cancel anyways, but in a few more months. Never hurts to ask.
I really wish they would let us down convert to a Chase branded product from a co-branded one still.
And the nice thing is, since it looks like these cards tried to pull Experian, is there won't be any pulls since I froze it, even if I still get denied! At least I have that going for me.
Last edited by PainCorp; Jul 20, 2013 at 12:38 am
Jul 20, 2013, 1:02 am
#1177
Join Date: Feb 2013
Posts: 1,818
I sent a SM in. The thing that sucks is I kept getting error messages so I sent in 2 or 3 because it kept saying it failed.
Also offered to give up another card that I was going to cancel anyways, but in a few more months. Never hurts to ask.
I really wish they would let us down convert to a Chase branded product from a co-branded one still.
And the nice thing is, since it looks like these cards tried to pull Experian, is there won't be any pulls since I froze it, even if I still get denied! At least I have that going for me.
Also offered to give up another card that I was going to cancel anyways, but in a few more months. Never hurts to ask.
I really wish they would let us down convert to a Chase branded product from a co-branded one still.
And the nice thing is, since it looks like these cards tried to pull Experian, is there won't be any pulls since I froze it, even if I still get denied! At least I have that going for me.
Yeah, if we could convert between different cards it would be heaven (for us FTers...). That's nice, save a pull (or 2 in your case). I have a frozen TU. Most banks pull TU for me including Chase. I wonder how long these frozen accounts last? 2 years (I wish)?
Jul 20, 2013, 1:30 am
#1178
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
I have always had lots of problems sending SMs in the past for some reason. It's been much better this year.
Yeah, if we could convert between different cards it would be heaven (for us FTers...). That's nice, save a pull (or 2 in your case). I have a frozen TU. Most banks pull TU for me including Chase. I wonder how long these frozen accounts last? 2 years (I wish)?
Yeah, if we could convert between different cards it would be heaven (for us FTers...). That's nice, save a pull (or 2 in your case). I have a frozen TU. Most banks pull TU for me including Chase. I wonder how long these frozen accounts last? 2 years (I wish)?
I would love if I could just get on recon and talk the guy/gal into just splitting my credit line without pulling a bureau, but that's a bit unrealistic. Hopefully I can at least talk them into pulling EQ or TU. There was one bit of information I saw on my EX that was incorrect, some accounts just didn't get matched up properly, so I'll use the excuse that I'm sorting that out if they ask.
Wonder if I should add in a rogue Barclays app since they can't mess with EX right now.
Jul 21, 2013, 10:08 am
#1180
Join Date: May 2013
Posts: 38
Two cards from Chase
Found answer in prior post
Last edited by azmike; Jul 21, 2013 at 11:05 am
Jul 22, 2013, 5:41 am
#1184
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
That was probably back in the day with the 100,000 CSP offer, when banks needed business and were loose with the sign up bonus. Those aren't really coming back, and there's no way they're going to give you $350 to sign up for an AF-free card right now.
Jul 22, 2013, 5:58 am
#1185
Join Date: Oct 2006
Location: Okinawa
Posts: 2,611
No it was last year. It was a URL hack.