Originally Posted by
elizadoo
What I'm trying to point out is that we did / have everything just as it should be --great credit, checking account with Chase, more than adequate income, no abuse of credit lines, own home, ontime pay, no debts (no car or mortgage payments) and hit the minimum spend. Yet we did not get instant approval, and few people who have received the "pending review" letter go on to receive the cards with having to make a phone call to the reconsideration #.
I've never had a pending review until a couple of weeks ago. I had never called and didn't really want to. But I did and after a couple of minutes talking to a CSR we moved some credit from a card with $30,000 CL and instantly approved. I waited 3 days after the pending notice before calling. 2 days later I recieved a letter saying sorry but denied, dated the day before my call. 3 days later I recieved the CC's. So if I hadn't called it would have been denied and I would have had 1 Chase card with $30,000 CL instead of now having 1 with $20,000 and 1 with 10,000. It was easy , painless and worked.
PS I have a 801 credit score, I think they have limits and mine was all on one card?