Originally Posted by Dr Jabadski

(Sept 3) Datapoint: Applied for Chase Hyatt personal card last night, in review. Called recon this AM, told application was declined due to receiving last SUB within 24 months. Was told last SUB was 9/3/23, reconsideration not possible, no credit check, recommended re-apply tomorrow.

Last SUB on 9/3/25 is confusing. … Why Chase has 9/3/25 as my last SUB date is beyond me. ...

Originally Posted by Dr Jabadski

(Sept 4) Applied again this morning (as recommended). Called, asked for recon agent, declined (automatically) either as “duplicate application” (from 2 days ago) or for same reason as 2 days ago (prior SUB within 24 months), recommend “1-2 billing cycles, 30-60 days) until reapplication.

Asked for recon agent’s supervisor or manager, told same things but suggested “next month” to reapply because another application within 30 days might be automatically declined as a duplicate. All 3 said no credit inquiry.

It’s pathetic that the parameters and procedures are so complicated and unclear that none of their representatives can speak accurately and correctly. Another reason why this type of SUB (dribs and drabs* possibly over multiple billing cycles) is so weak and annoying….