Dec 1, 2015, 9:21 pm
Last edit by: beltway
The thread (and wiki) you should be reading instead of this one is Applying for Chase Credit Cards- May 2015-Present. Do yourself a favor and go there now.
Chase application pending review [Consolidated]
Jun 1, 2015, 11:46 pm
#106
Join Date: Dec 2014
Posts: 102
Applied for two cards. Both pending.
Have only 3 new credit card accounts this year with a 750 FICO. Maybe they don't like people submitting multiple applications simultaneously?
Have only 3 new credit card accounts this year with a 750 FICO. Maybe they don't like people submitting multiple applications simultaneously?
Jun 2, 2015, 9:22 am
#108
Join Date: Oct 2014
Location: LAXatives
Programs: Delta Cubic Zirconia, Marriott Diplomat, Hertz Chairman's Square, Avis Preferred Plus
Posts: 390
Regarding a "pending review" I submitted an Ink app 5/15. Haven't seen anything yet, should i contact recon or just wait for the thing in the mail first?
How long should I wait?
How long should I wait?
Jun 2, 2015, 9:39 am
#109
Join Date: Aug 2011
Posts: 488
I don't think there's any harm in calling right now. I would ask for a senior analyst. Maybe you can talk some sense into them if they give you the line about too many cards opened. Let us know how it goes.
Jun 2, 2015, 12:50 pm
#110
Join Date: Jun 2015
Posts: 8
Another denial
Applied for Chase Freedom today, got a pending status, called and was told too many cards in the last two years. Have CSP and United open, closed a Chase Business recently. That's it. Guessing our low card limit is related to our low reported income...
Jun 2, 2015, 3:30 pm
#111
Join Date: Mar 2015
Location: SEA
Programs: AS MVP , Delta Gold Medallion, "Credit Card" status for various hotels
Posts: 672
I apologize if this seems like a silly question-
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Jun 2, 2015, 3:43 pm
#112
Join Date: Aug 2011
Posts: 488
I apologize if this seems like a silly question-
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Jun 2, 2015, 10:51 pm
#113
Join Date: May 2015
Posts: 441
I apologize if this seems like a silly question-
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Jun 3, 2015, 8:36 am
#115
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
I had the same thing happen - applied for Freedom card last week. Got a "pending application" so called recon line and was told they could not approve me b/c I had opened too many credit cards in the last 2 years. I have 3 total credit cards with Chase (with a total credit line of only 30K since I lowered all my lines). My credit score is 829. I checked to see how many cards I have opened in the last two years and it is 6 (2 of which were with Chase).
Jun 3, 2015, 9:31 am
#116
Join Date: Feb 2008
Posts: 2,172
Denial for too many credit cards opened in the last 2 years. The agent gave a number of 10 personal cards + 3 AU (why would AU be considered anyways?), which I said was clearly not excessive for 2 years, but there is no reconsideration or challenge option.
Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
Jun 3, 2015, 9:33 am
#117
Join Date: Aug 2011
Posts: 488
Denial for too many credit cards opened in the last 2 years. The agent gave a number of 10 personal cards + 3 AU (why would AU be considered anyways?), which I said was clearly not excessive for 2 years, but there is no reconsideration or challenge option.
Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
Jun 3, 2015, 11:27 am
#119
Join Date: Aug 2011
Posts: 488
[QUOTE=vrbaba;24912487]
Yes, have chase checking+savings. QUOTE]
And still you got denied. That's harsh.
Yes, have chase checking+savings. QUOTE]
And still you got denied. That's harsh.
Jun 3, 2015, 2:49 pm
#120
Join Date: Jan 2014
Location: PHL
Programs: United 1K, American Gold, Hilton Diamond, Hyatt Discoverist, Marriott Gold
Posts: 430
Chase Freedom denied
Because the Freedom bonus sign-up increased recently, I submitted my application for it last night. I called recon today and the analyst said it was declined. 
780+ FICO. I have CSP and United Club active with Chase and pay on time. Only six credit cards within the last two years (starting from around December 2013). No apps within the last six months.
The analyst said there is no chance for recon. Now I have an extra wasted hard pull on my inquiry. I'm really bummed.
*Anything* I can do whatsoever? Except garden until next year?
780+ FICO. I have CSP and United Club active with Chase and pay on time. Only six credit cards within the last two years (starting from around December 2013). No apps within the last six months.
The analyst said there is no chance for recon. Now I have an extra wasted hard pull on my inquiry. I'm really bummed.
*Anything* I can do whatsoever? Except garden until next year?