Originally Posted by
Happy
If you are not pre-approved, and you are doomed due to 5/24 - the only way to get pass it is thru CPC which you can sign up without assets at Chase first. Only apply after you become CPC customer. If you are declined, either the banker or you yourself, can do the recon call. Use the lending dept's number to do the recon call if you decide to do it yourself, esp if your banker isn't very helpful. This number is the direct number to the lending dept, and is in the Wiki of the Apply Chase Card STICKY.
(888) 871-4649 – Alternative Personal Reconsideration with live rep
It works for folks who have long history with Chase and can explain why there were more than 5 new accounts in past 24 months, and have enough CL to shuffle (i.e. no new credit needed - as if new credit is needed, the app would be moved up to another level for further review, versus the initial lending dept rep could approve you.)
Hope the above help for those still are trying.
Thank you Happy for your useful post. I am still one of those unfortunate ones that is NOT pre-approved, OVER 5/24, and NOT CPC.
I might go into another branch again to check if i am pre-approved (just in case the previous banker doesnt know what the heck she is doing), but I dont have high hopes
I would like to know more about what you say - "If you are not pre-approved, and you are doomed due to 5/24 - the only way to get pass it is thru CPC which you can sign up without assets at Chase first. Only apply after you become CPC customer."
Is there solid DP that Chase would just let you sign up as CPC without assets, and then immediately help you out with a CSR application? I really dont think they will make it this easy...? I have some 'assets' - they are just not liquid like pure cash that i can transfer into Chase and just make them happy.