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
Jan 3, 2016, 5:31 pm
#2491
Suspended
Join Date: Sep 2014
Posts: 3,072
No, some people who get that message get sent straight to lending when they call. There was one in the Chase IHG thread earlier today (who got denied after calling).
Jan 4, 2016, 9:03 am
#2492
Join Date: Jul 2013
Posts: 1,784
Yes, finally approved with a very large credit line. Can't imagine that "the holidays" creates a 6 week lag. Chase is just very strange lately. Their fraud department called her, and asked a series of questions to "verify her identity". Following which they sent a snail mail demand that she mail in a copy of her drivers license, and a utility bill with her address. Then it took a month after that to get the approval.
This despite the fact that she has a checking account with them, and several Chase ccs, including a CSP that she uses regularly every month.
This despite the fact that she has a checking account with them, and several Chase ccs, including a CSP that she uses regularly every month.
Jan 4, 2016, 1:35 pm
#2493
Join Date: Jun 2012
Programs: AA EXP, Hyatt Globalist, *A Silver
Posts: 4,896
What are my odds of getting approved for a second UA MP Explorer (25 months since getting bonus) vs. CSP (30 months since getting bonus, but denied on last app on the 27th month)? I have multiple cards opened in the last 24 months. If I had to pick one, which should I go for? I'd transfer the CSP pts to UA miles.
Jan 4, 2016, 1:35 pm
#2494
Join Date: Aug 2015
Posts: 2,061
in my case, likely better not to call
Jan 4, 2016, 1:38 pm
#2495
Join Date: Jan 2015
Location: SFO
Programs: PetCo Pals Rewards
Posts: 531
What are my odds of getting approved for a second UA MP Explorer (25 months since getting bonus) vs. CSP (30 months since getting bonus, but denied on last app on the 27th month)? I have multiple cards opened in the last 24 months. If I had to pick one, which should I go for? I'd transfer the CSP pts to UA miles.
Jan 4, 2016, 1:55 pm
#2496
Join Date: Jun 2012
Programs: AA EXP, Hyatt Globalist, *A Silver
Posts: 4,896
Jan 4, 2016, 2:16 pm
#2497
Suspended
Join Date: Sep 2014
Posts: 3,072
Received my new MileagePlus card today, and when I went to activate it in Apple Wallet, the last four digits of a phone number from 1997 popped up as a verification option.
Chase has a long memory, indeed.
(I haven't had that number in ~12 years, and it doesn't appear in the contact info. section of my Chase account. This is my first Chase card or account ever, so it must be from an old account at some bank that Chase bought.)
Chase has a long memory, indeed.
(I haven't had that number in ~12 years, and it doesn't appear in the contact info. section of my Chase account. This is my first Chase card or account ever, so it must be from an old account at some bank that Chase bought.)
Jan 4, 2016, 2:33 pm
#2498
Join Date: Jan 2015
Location: SFO
Programs: PetCo Pals Rewards
Posts: 531
Generally, calling increases chance of denial. If you can wait it out (potentially 4+ weeks), it's better to let your application work it's way through the system.
Jan 4, 2016, 6:25 pm
#2499
Join Date: Mar 2005
Location: ORD
Posts: 835
My brother keeps receiving targeted Ink offers from Chase via mail. He already has an Ink card. I think he would be ok applying even with the 5/24 rule. Should he apply?
I told him to go for it. But wanted to see what others thought.
Thanks!
I told him to go for it. But wanted to see what others thought.
Thanks!
Jan 4, 2016, 6:33 pm
#2500
Join Date: Jun 2014
Location: SNA, VCE
Programs: AA Lifetime Platinum, Hyatt Plat, Marriott Gold, United
Posts: 129
+1! If there is one consistent point in this thread it is to be patient with any Chase app that isn't auto approved. If there is a verification issue, they will eventually mail a letter requesting whatever they want (in my last successful app with them twice before they were satisfied, even though I have several open accounts with them!) Calling can only decrease your chances.
Jan 4, 2016, 7:48 pm
#2501
Join Date: Dec 2015
Posts: 80
Have pre-approval offers for both CSP and Freedom. I just applied for CSP a few minutes ago and got auto approved for 32k CL. I have a 12k CL on my chase Ink. My total chase CL is now $44k. I wanted to go ahead and apply for Freedom, too, tonight, but I'm now worried that the CL is too high. What should I do? I'd like to get the Freedom done tonight so I don't have 2 hard pulls. But if my overall CL is too high, then I'm worried it will take too long to get them to lower it. Should I send a SM or call? Or will that just call attention to my accounts?
Does Chase just automatically move CL if you get approved for another card but are hitting a high overall CL?
Does Chase just automatically move CL if you get approved for another card but are hitting a high overall CL?
Would very much like to app for the CSP and United Club Card at same time if truly only 1 pull. If not I will just app for one and wait a year for the other.
Last edited by Budoka; Jan 4, 2016 at 8:09 pm
Jan 5, 2016, 2:42 am
#2502
Join Date: Mar 2015
Location: SF
Posts: 32
Applied online for CSP on Jan 1, got the "You're almost done! Please call... " message on screen after submitting the application. I had read enough FT posts to know not to call 
.
Next, called the automates application status line within 5 minutes just to see the status, and it said "You will be notified in writing within 2 weeks". I keep checking the status regularly, and it's been the same since. Ah well.
3 apps in the last 24 months, also have a Freedom. TU FICO: 752. Possible to get rejected over a thin file, though.
. Next, called the automates application status line within 5 minutes just to see the status, and it said "You will be notified in writing within 2 weeks". I keep checking the status regularly, and it's been the same since. Ah well.
3 apps in the last 24 months, also have a Freedom. TU FICO: 752. Possible to get rejected over a thin file, though.
Jan 5, 2016, 8:24 am
#2503
Join Date: Jul 2013
Posts: 1,784
Applied online for CSP on Jan 1, got the "You're almost done! Please call... " message on screen after submitting the application. I had read enough FT posts to know not to call .
Next, called the automates application status line within 5 minutes just to see the status, and it said "You will be notified in writing within 2 weeks". I keep checking the status regularly, and it's been the same since. Ah well.
3 apps in the last 24 months, also have a Freedom. TU FICO: 752. Possible to get rejected over a thin file, though.
. Next, called the automates application status line within 5 minutes just to see the status, and it said "You will be notified in writing within 2 weeks". I keep checking the status regularly, and it's been the same since. Ah well.
3 apps in the last 24 months, also have a Freedom. TU FICO: 752. Possible to get rejected over a thin file, though.
Jan 5, 2016, 8:36 am
#2504
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
It can take nearly a month. Be patient. I stopped checking at all and let it do its thing. Ended up with 2 approvals!
Jan 5, 2016, 10:42 am
#2505
Join Date: Dec 2010
Posts: 1,310
Applied 12/12, credit was run that same day.
Approved 1/4
Got 30 day notice, did not call in. Finally approved after 23 days.
FYI - I did receive an application in the mail with an offer code.
Have applied for 10+ cards in the last year.
EDIT: Ink Plus 60k no fee first year
Approved 1/4
Got 30 day notice, did not call in. Finally approved after 23 days.
FYI - I did receive an application in the mail with an offer code.
Have applied for 10+ cards in the last year.
EDIT: Ink Plus 60k no fee first year
Last edited by Jesperss; Jan 5, 2016 at 12:31 pm