Chase application pending review [Consolidated]

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The thread (and wiki) you should be reading instead of this one is Applying for Chase Credit Cards- May 2015-Present. Do yourself a favor and go there now.
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Old Jun 1, 15, 11:46 pm
  #106  
 
Join Date: Dec 2014
Posts: 88
Applied for two cards. Both pending.

Have only 3 new credit card accounts this year with a 750 FICO. Maybe they don't like people submitting multiple applications simultaneously?
Light is offline  
Old Jun 2, 15, 6:31 am
  #107  
 
Join Date: Aug 2011
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Originally Posted by Light View Post
Applied for two cards. Both pending.

Have only 3 new credit card accounts this year with a 750 FICO. Maybe they don't like people submitting multiple applications simultaneously?
No, my wife never submitted multiple apps and still got rejected for too many cards.
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Old Jun 2, 15, 9:22 am
  #108  
 
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Regarding a "pending review" I submitted an Ink app 5/15. Haven't seen anything yet, should i contact recon or just wait for the thing in the mail first?

How long should I wait?
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Old Jun 2, 15, 9:39 am
  #109  
 
Join Date: Aug 2011
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Originally Posted by thoiboi View Post
Regarding a "pending review" I submitted an Ink app 5/15. Haven't seen anything yet, should i contact recon or just wait for the thing in the mail first?

How long should I wait?
I don't think there's any harm in calling right now. I would ask for a senior analyst. Maybe you can talk some sense into them if they give you the line about too many cards opened. Let us know how it goes.
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Old Jun 2, 15, 12:50 pm
  #110  
 
Join Date: Jun 2015
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Another denial

Originally Posted by Long Islander View Post
It would be helpful to get some data points to figure out how many apps is too many. Anyone else want to chime in?
Applied for Chase Freedom today, got a pending status, called and was told too many cards in the last two years. Have CSP and United open, closed a Chase Business recently. That's it. Guessing our low card limit is related to our low reported income...
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Old Jun 2, 15, 3:30 pm
  #111  
 
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I apologize if this seems like a silly question-

Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
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Old Jun 2, 15, 3:43 pm
  #112  
 
Join Date: Aug 2011
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Originally Posted by Bretmd View Post
I apologize if this seems like a silly question-

Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
The language in the denial letter was very clear: Too many credit cards opened in the last 2 years. As a caveat, I should note my wife had no other credit applications. On the other hand, others have also gotten the same verbiage and perhaps they had other credit applications as well as cards. The denial language was not generic, such as, "Too many applications for credit in the last two years."
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Old Jun 2, 15, 10:51 pm
  #113  
 
Join Date: May 2015
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Originally Posted by Bretmd View Post
I apologize if this seems like a silly question-

Any data points on whether a new checking/bank account would count toward the "too many new accounts" denials people have been getting? Or is it purely credit cards? My assumption is "no", but since their standard seems unusually strict, I figured it is worth asking.
Bank accounts do not show on your CR, so completely irrelevent unless a HP was done. However a HP still would not affect "new accounts"
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Old Jun 3, 15, 6:49 am
  #114  
 
Join Date: Aug 2011
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Originally Posted by travelfreaks View Post
Bank accounts do not show on your CR, so completely irrelevent unless a HP was done. However a HP still would not affect "new accounts"
What is the difference between a hard pull and a soft pull and how do you know which one they did?
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Old Jun 3, 15, 8:36 am
  #115  
RNE
 
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Originally Posted by AtlantaAngel View Post
I had the same thing happen - applied for Freedom card last week. Got a "pending application" so called recon line and was told they could not approve me b/c I had opened too many credit cards in the last 2 years. I have 3 total credit cards with Chase (with a total credit line of only 30K since I lowered all my lines). My credit score is 829. I checked to see how many cards I have opened in the last two years and it is 6 (2 of which were with Chase).
Good to know lowering your credit lines got your application auto-approved. Wait. What? It didn't? How could that be???
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Old Jun 3, 15, 9:31 am
  #116  
 
Join Date: Feb 2008
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Denial for too many credit cards opened in the last 2 years. The agent gave a number of 10 personal cards + 3 AU (why would AU be considered anyways?), which I said was clearly not excessive for 2 years, but there is no reconsideration or challenge option.

Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
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Old Jun 3, 15, 9:33 am
  #117  
 
Join Date: Aug 2011
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Originally Posted by vrbaba View Post
Denial for too many credit cards opened in the last 2 years. The agent gave a number of 10 personal cards + 3 AU (why would AU be considered anyways?), which I said was clearly not excessive for 2 years, but there is no reconsideration or challenge option.

Guess, no more Chase for me. I only have 2 open chase accounts, and this was for the Freedom card, which I have never had.
Did you speak with a senior credit analyst? Do you have a Chase checking or savings account?
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Old Jun 3, 15, 9:47 am
  #118  
 
Join Date: Feb 2008
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Originally Posted by Long Islander View Post
Did you speak with a senior credit analyst? Do you have a Chase checking or savings account?
Did not get transferred to another analyst. Not sure if he was senior.

Yes, have chase checking+savings.

EDIT: To add FICO of 800+
vrbaba is offline  
Old Jun 3, 15, 11:27 am
  #119  
 
Join Date: Aug 2011
Posts: 479
[QUOTE=vrbaba;24912487]
Yes, have chase checking+savings. QUOTE]

And still you got denied. That's harsh.
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Old Jun 3, 15, 2:49 pm
  #120  
 
Join Date: Jan 2014
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Chase Freedom denied

Because the Freedom bonus sign-up increased recently, I submitted my application for it last night. I called recon today and the analyst said it was declined.

780+ FICO. I have CSP and United Club active with Chase and pay on time. Only six credit cards within the last two years (starting from around December 2013). No apps within the last six months.

The analyst said there is no chance for recon. Now I have an extra wasted hard pull on my inquiry. I'm really bummed.

*Anything* I can do whatsoever? Except garden until next year?
Ruhr is offline  

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