Originally Posted by RetiredRoadWarrior

Just once. The grumpy CSR made me grumpy.




Probably good advice. Next time I'll have my thumb poised on the red key.



Decades of great credit history, zero black marks. I doubt there has been any time in the last 20 years that any of my credit scores dropped below 780. Had Chase Marriott Premier for years, cancelled last Sept (very little usage since retirement), Chase Sapphire Preferred for about a year at time of declined app (met min spend, then little usage), approved for new UA 9/6/11 (very little usage).

Now that I've written all that down, I look like someone signing up only because of bonuses. Ahah! Perhaps the mystery is solved!

[edit]

To present a complete picture I thought it might be useful to include the transcript of my reconsideration phone call. I don't have the actual transcript, but I think this is a fair representation . . .


Me: Good morning. A splendid day, is it not? Hope you are well. I was wondering if . . .

CSR Cratchit: Declined!

Me: But but . . .

CSR Cratchit: What, you got a banana in your ear? I said DECLINED!!

Me: But but I don’t understand why my application . . .

CSR Cratchit: Too many inquiries!

Me: But but I’ve only applied for two Chase cards in the last 14 months.

CSR Cratchit: Listen, Toadstool, I said TOO MANY INQUIRIES!! Everywhere, not just Chase. Eight inquiries in the last four months.

Me: I believe it’s only seven, but . . .

CSR Cratchit: You made an inquiry to the produce manager at WalMart as to whether the rutabagas were from Mexico. That’s eight.

Me: But but I believe my Experian is 787 . . .

CSR Cratchit: It’s 784 after I dinged you for a credit pull. Bend over and I’ll do another dozen pulls and spank you into Credit Hell, you degenerate jerk.

Me: But but my credit utilization is under 5%.

CSR Cratchit: Your credit utilization is 6%!!!! You are a fraud and a despicable human being. And you smell like the inside of a Russian horse doctor’s valise.

Me: You can smell . . .

CSR Cratchit: Thank you for calling Chase. Is there anything else I might do you for today? Sharp stick in the eye? Proctology exam administered by Genghis Khan?

Me: No, thank you for your time and consideration.