highops

Call recon and have them look card by card and drop the AU cards.

If the first rep refuses HUCA.

My wife was approved for CSR using this method.

STS-134

No. Closing an account does not make the entry drop off your credit report (pull it for yourself and see). You have to call recon and specifically ask them to exclude it.

NYCRuss

If an AU account is closed, it is still on credit reports until it is removed. So you have two options.

1. Close the AU account and get each of the three major credit bureaus to delete it because you are not responsible for the account. Then contact Chase again.
2. Leave things as is, and recon for the AU accounts to be ignored.

The second option is easier.

beltway

Indeed, that is precisely the recommendation in the wiki:

purdue1015

Excellent, thank you!!

Anlun

I applied for the Ink+ using my SSN on 9/10. 3 weeks prior (within 30 days) I had applied and was approved for CSR. I am currently at 2/24. I applied in person at Chase, and the application went to pending. Against the advice of the wiki, I called once I got home. The representative told me that I was denied due to having opened a previous card within 30 days and having high credit utilization. I explained that I have a wedding coming up and it's an unusual and short term cause of the high utilization but she can note I always pay it off in full early, and I'm willing to transfer credit line from CSR if needed. Long story short she stated that she changed my application from denied to "System Verification" and I can call back on Monday (9/12) for an update. When I call the automated line it says my card is under review and I will get a decision in writing in the mail in 2 weeks. Advice? Should I wait the two weeks, or should I call back Monday?

sig05

Applied for CSR. At 4/24 and got decision pending, which was disappointing. I'm guessing it's due to 2 existing Chase cards with high credit limits - both around 25k.

Wonder if it's worth calling to shift credit limits.

muji

I would be proactive and call Chase now before a final decision is made.
Those are really high credit limits. If you don't need them that high, you should get them reduced.

STS-134

That's nothing, I have friends with 100k aggregate limits with Chase. If I were to apply for a second Chase card (I currently only have the CSR), I would bet on having $65k or more in aggregate credit with Chase.

sig05

Followed your advice and confirmed my suspicion it was high credit limits. They wanted me to transfer my credit line by 2,000 to push the card through. Was approved immediately after agreeing to transfer credit.

sig05

FYI - (888) 245-0625 – Personal Reconsideration Line with a live rep

Number no longer in service.

PumpkinSmasher

This is interesting. I was wondering for the cards that don't apply to 5/24 if Chase was starting to crack down at all on people who had a lot of new accounts/inquiries but this solidifies that they may not be. Anyone else well over 5/24 apply for other Chase cards that the rule doesn't apply to have success?

I definitely want to apply for the Fairmont card before Chase changes anything. Possibly the Marriott Business card too.

sdsearch

I think you're may be over complicating how Chase might work.

Chase has 5/24 on most but not all cards.

Then totally separately (on all cards) they have policies on inquiries, but remember that only inquiries on whichever bureau they pull count. Unlike card accounts (which go to all 3 bureaus), inquiries tend to only go to one bureau. So if not all your inquiries are on the same bureau, or if Chase pulls a different bureau than the one where most of your inquiries are, Chase won't see as many inquiries.

So it's two very simple policies that are independent, but interact on many cards, while inquiry counting is the only "anti-churning" policy on a few cards. But how that remaining (inquiry counting) "anti-churning" policy will affect each person varies greatly, because of the bureaus issue. One person will have the bad luck of Chase pulling the only bureau that has all their inquiries, while another person who applied for way more cards may have the good luck of Chase pulling a bureau that has hardly any of their inquiries. (This is possible because what bureau each bank pulls varies depending on several factors, including --but not necessarily limited to -- what state one lives in.)

That's why inquiry counting is very inconsistent across applicants, and is quite likely a reason why Chase added 5/24 on top of it, because 5/24 is a technique which works the same no matter what bureau they use for a given applicant.

Why, then, would Chase need to add yet another layer specifically for those cards that don't have 5/24 yet? I don't think they have, and I think you're seeing the inconsistency of existing layers and the confusion that inconsistency causes can lead to the illusion that policies are changing, when it's simply the existing (inquiry counting) policies have always produced inconsistent results (unless a bank pulls all 3 bureaus).

RobertHanson

Most of my HPs, with the exception of a few AS and Barclays apps, are on EXP.

PumpkinSmasher

You're probably right. I've just been a bit paranoid after having two recent applications rejected (one from Citi that was done before 8/28 and one from Barclays) after never previously having anything be denied. Both seemed to indicate too many recent applications/accounts.

On the flip side, I have never been denied a card from Chase and I have a very long relationship with them. Have had my personal account with them for 9 years, have had credit cards with them for 4 (including business credit cards for 3) and a business checking account. I just had concerns that perhaps Chase might start going the same route and I wanted to apply for at least another card or two before all of their cards go 5/24.

As a datapoint, I have 15 new accounts in the last 24 months, which I don't think is too crazy based on other posts I've seen.