Originally Posted by
Happy
Exactly how the advice of "re-apply" is given by the Chase recon rep? and how soon the applicant re-applied?
Have that family member called Chase to ask for a review?
What possible factors would make Chase gave this shut down reason "states you are not responsible." - not responsible on what? Late payments? Given the person was 5/24 and then 2/24, apparently the person does not fit into the "burst out" pattern, as in having applied a lot of cards in short period of time.
You may want to read this reddit thread which someone has kept a summary on DPs from people who were shut down (
some of them have their accounts reinstated after talking to Chase - obviously the bank made mistakes, too, in its zealous efforts to minimize risk and shut down people without good reasons.)
https://www.reddit.com/r/churning/co...ts_megathread/
Family member did call twice, but the Chase rep would not provide details. Based on the very little info they got we suspect it might be related to sharing the card (with consent). All bills paid on time or early. Any thoughts if they might be black listed. Should they reapply when under 5/24 or wait a couple of years?