Sep 4, 2015, 8:47 am
Last edit by: beltway
This thread is now archived. For ongoing discussion and the current/updated wiki, see Applying for Chase Credit Cards, 2017 onward. For the archived predecessor thread, see Applying for Chase Credit Cards- Archived 2008-5/2015
Archived: Applying for Chase Credit Cards- May 2015- Jan 2017
Sep 20, 2016, 11:49 am
#4861
Join Date: Jul 2013
Posts: 1,784
Well, yeah, if you applied on 2 different days, you would of course get 2 HPs. Or did you mean both apps were on Sat, and Chase didn't do the second Credit check until Tuesday?
I haven't heard of them ever doing that in the past. But all of the past norms are out the window now.
I haven't heard of them ever doing that in the past. But all of the past norms are out the window now.
Sep 20, 2016, 12:31 pm
#4862
Join Date: Jan 2016
Programs: Ink/Sapphire/Freedom/SPG
Posts: 338
Well, yeah, if you applied on 2 different days, you would of course get 2 HPs. Or did you mean both apps were on Sat, and Chase didn't do the second Credit check until Tuesday?
I haven't heard of them ever doing that in the past. But all of the past norms are out the window now.
I haven't heard of them ever doing that in the past. But all of the past norms are out the window now.
Sep 20, 2016, 12:57 pm
#4863
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Two CB s were hit. On Experian, they combined both HP into one, but on Equifax it shows two HP the same day (saw them on his CK smartphone app). So Equifax did 2 same day HP and Experian 1 for 2 requests with exact same info from the bank. But for you having different day HP? that is weird.
Sep 20, 2016, 10:15 pm
#4864
Join Date: Jul 2016
Programs: CSP, IHG, United MileagePlus, BA, AA, Marriott, Hyatt, SPG, HH
Posts: 15
Just got denied
I applied for the CSR last week and got the "we'll let you know" letter yesterday then received the "too many cards in 24 months" letter today. Unless they're counting a Spencer's store card (I applied for a line of credit for an interest free financing deal and didn't even know I was getting a card) I'm only at 4/24. I suspect they're seeing my AU cards. I'll be calling the reconsideration line tomorrow. My feeling is that if I can show that their reason is not valid they should cave in.
Sep 20, 2016, 10:56 pm
#4865
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,056
I went to my local branch but didn't have any preapproved offers on file for the CSR. I applied online on Friday and got the 7-10 day message. However, I just checked my online account and the CSR is appearing there! I had been checking a few times during the day. For what it's worth, I also received an e-mail early this morning saying that Chase would let me know of their decision within 30 days.
Before the application I was at 4/24.
Before the application I was at 4/24.
Sep 21, 2016, 6:47 am
#4866
Join Date: Jan 2016
Programs: Ink/Sapphire/Freedom/SPG
Posts: 338
I have a friend who did the same as you. He applied in branch without Pre-approval and was denied for CSR. I told him to go for one non 5/24 Chase Card to avoid heart break. He decided to go for Marriott Business online and got pending and then auto-approved 6 days later without calling recon. Calling automated line said CSR 7-10 for decision (he received denial letter for 5/24) and MB said 2 weeks and was days later approved.
Two CB s were hit. On Experian, they combined both HP into one, but on Equifax it shows two HP the same day (saw them on his CK smartphone app). So Equifax did 2 same day HP and Experian 1 for 2 requests with exact same info from the bank. But for you having different day HP? that is weird.
Two CB s were hit. On Experian, they combined both HP into one, but on Equifax it shows two HP the same day (saw them on his CK smartphone app). So Equifax did 2 same day HP and Experian 1 for 2 requests with exact same info from the bank. But for you having different day HP? that is weird.
let's see if it merges.
But more worried about calling recon for CSR, as all pointers say do not call.
Sep 21, 2016, 1:35 pm
#4867
Join Date: Jul 2016
Programs: CSP, IHG, United MileagePlus, BA, AA, Marriott, Hyatt, SPG, HH
Posts: 15
Denied
I applied for the CSR last week and got the "we'll let you know" letter yesterday then received the "too many cards in 24 months" letter today. Unless they're counting a Spencer's store card (I applied for a line of credit for an interest free financing deal and didn't even know I was getting a card) I'm only at 4/24. I suspect they're seeing my AU cards. I'll be calling the reconsideration line tomorrow. My feeling is that if I can show that their reason is not valid they should cave in.
Sep 21, 2016, 3:49 pm
#4868
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
Sep 21, 2016, 10:25 pm
#4869
Join Date: Jan 2016
Posts: 17
Seems there's ways around the 5/24 without private client or a preapproval. I applied and was declined immediately due to being at 7/24 3 of which are just authorized users. I stayed polite but implied if I couldn't get the card I would move my 75k in deposits and would no longer be interested in refinancing my mortgage. I received a personal call from a credit team manager later in the day and was approved for 30k and overnighted a new chase sapphire reserve and received it the next day. Just a little info to add to the codex.
Sep 22, 2016, 7:02 am
#4870
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
As recommended, I visited Branch, saw I was preapproved.
At 5/24, but 1 is AU.
Instant approval plus CL of $31K!
Wife and I have CSR! Now spend and burn!
Tried to hook me into CPC. Told me that $250K is a guideline but not a firm requirement.
She was happier than I was when I got approved, she gets a commission. Anyone know how much?
At 5/24, but 1 is AU.
Instant approval plus CL of $31K!
Wife and I have CSR! Now spend and burn!
Tried to hook me into CPC. Told me that $250K is a guideline but not a firm requirement.
She was happier than I was when I got approved, she gets a commission. Anyone know how much?
Sep 22, 2016, 9:54 am
#4871
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
As recommended, I visited Branch, saw I was preapproved.
At 5/24, but 1 is AU.
Instant approval plus CL of $31K!
Wife and I have CSR! Now spend and burn!
Tried to hook me into CPC. Told me that $250K is a guideline but not a firm requirement.
She was happier than I was when I got approved, she gets a commission. Anyone know how much?
At 5/24, but 1 is AU.
Instant approval plus CL of $31K!
Wife and I have CSR! Now spend and burn!
Tried to hook me into CPC. Told me that $250K is a guideline but not a firm requirement.
She was happier than I was when I got approved, she gets a commission. Anyone know how much?
Last edited by Ed Janowsky; Sep 22, 2016 at 11:58 am
Sep 22, 2016, 10:01 am
#4872
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
went crazy on saturday , thought of going all out and applying CSR although m 5/24 and know i might not get it. got the 7-10 day message.
Then thought why to waste a credit hit, lets apply for IHG too :-)
Still waiting no idea whats going on in the background.
Any new leads? Breakthroughs?
Then thought why to waste a credit hit, lets apply for IHG too :-)
Still waiting no idea whats going on in the background.
Any new leads? Breakthroughs?
EVERYONE applying online who does not get auto-approved gets a 7-10 day message. It's the message seen on the computer screen after applying where it states that if you're approved, you'll receive your card in 7-10 days. Unfortunately this has been confused OVER AND OVER AGAIN with the 7-10 day message associated with calling the automated response line.
A 7-10 message received online immediately after applying is in no way indicative of approval or denial PERIOD.
The 7-10 message from the automated response line is the one that has the negative connotation.
Sep 22, 2016, 11:35 am
#4873
Join Date: Jul 2013
Posts: 1,784
). We didn't bother to check anything at all. Today the card appeared on her Chase webpage. 
Sep 22, 2016, 1:11 pm
#4874
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
Seems there's ways around the 5/24 without private client or a preapproval. I applied and was declined immediately due to being at 7/24 3 of which are just authorized users. I stayed polite but implied if I couldn't get the card I would move my 75k in deposits and would no longer be interested in refinancing my mortgage. I received a personal call from a credit team manager later in the day and was approved for 30k and overnighted a new chase sapphire reserve and received it the next day. Just a little info to add to the codex.
It's not really "a way around" 5/24, it's just a way of ensuring your 5/24 count is correct (since it shouldn't include AUs, but at first denial it often does).
Sep 22, 2016, 2:02 pm
#4875
Join Date: Sep 2013
Posts: 401
So I applied for a Ritz card last night around 3am and the website said 7-10 days. I called the application status line after lunch today and it told me, "2 weeks." I then called up the recon line (888-609-7805) and the rep told me he had, "limited information on it," and, "can't do anything with the app in this state."
Should I call recon again tomorrow? Does this sound like it's being kicked higher up the ladder to approve for extra credit? I'd really prefer to get this card by Tuesday so I can book a large wedding at one of the Ritz properties.
I'm at 3/24 (even though Ritz isn't covered under 5/24), 810 FICO (Bankcard 8 of 790), 2% DTI, and a CPC, in case that might help.
Thanks
Should I call recon again tomorrow? Does this sound like it's being kicked higher up the ladder to approve for extra credit? I'd really prefer to get this card by Tuesday so I can book a large wedding at one of the Ritz properties.
I'm at 3/24 (even though Ritz isn't covered under 5/24), 810 FICO (Bankcard 8 of 790), 2% DTI, and a CPC, in case that might help.
Thanks
