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
#5116
Join Date: Oct 2015
Posts: 115
I was in branch and was pre-approved for CSR and CFU cards. I asked them to apply for both. They did apply for CSR first and after applying pre-check approval button went away for CFU but ended up applying for CFU as well.
Status line tells 2 weeks for CSR but 7-10 business days for CFU. CFU looks like denial but was pre-approved when I went into branch. Will speaking to a rep help?
Status line tells 2 weeks for CSR but 7-10 business days for CFU. CFU looks like denial but was pre-approved when I went into branch. Will speaking to a rep help?
#5117
Join Date: Jun 2014
Posts: 102
1 app left: which UR card?
So, I tried to apply for the new CSR a few months ago, but was denied because I was 5/24; I got to thinking today that one of my 5 I was an authorized user of a card that was closed in January and will fall off my 5/24 at the ends of next month.
So, assuming I have 1 app left for the next 6-8 months which direction should I go: CSR, CFU, CSP? Currently only chase cards I'm holding (and ever had) are ink+ and mileageplus. Also, I'm trying to get 5 of us to Europe next summer, and am sitting on about 240k UR points (shooting for 300k for flights), so I'm leaning CSR...any thoughts? Only thing that worries me is being this late in the year and utilizing both travel credits before cancelation; my brother got a late calendar app on the cities prestige and because of a weird statement date coinciding with the calendar year only got 1 credit for his $450 annual fee.
Any help is appreciated!
So, assuming I have 1 app left for the next 6-8 months which direction should I go: CSR, CFU, CSP? Currently only chase cards I'm holding (and ever had) are ink+ and mileageplus. Also, I'm trying to get 5 of us to Europe next summer, and am sitting on about 240k UR points (shooting for 300k for flights), so I'm leaning CSR...any thoughts? Only thing that worries me is being this late in the year and utilizing both travel credits before cancelation; my brother got a late calendar app on the cities prestige and because of a weird statement date coinciding with the calendar year only got 1 credit for his $450 annual fee.
Any help is appreciated!
#5118
Join Date: Aug 2016
Posts: 165
How soon to call Chase recon?
A relative just got the we need to review your application further/7-10 days notification after applying for a Chase Freedom Unlimited. Already has CSR and Freedom. Came to ask me knowing I play the points game. Problem is, I'm not really a churner and have never been initially denied or had to speak to recon line.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
Last edited by Teckelspass; Nov 21, 2016 at 9:50 pm
#5119
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
A relative just got the we need to review your application further/7-10 days notification after applying for a Chase Freedom Unlimited. Already has CSR and Freedom. Came to ask me knowing I play the points game. Problem is, I'm not really a churner and have never been initially denied or had to speak to recon line.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
#5120
CSR for the signup bonus. Duh Even if you only get one $300 annual fee credit you only paid $150 for 100,000 UR points, and that assumes you see no value in Priority Pass, rental car coverage, etc. etc. etc.
Neil
Neil
#5121
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
I was in the same boat (good score, under 5/24, thinking about proactively rebalancing credit lines). I decided to wait out the 7-10 day message and let things run their course without calling and was approved a few days later. Around 5 days after the application the card suddenly appeared in my online profile. I received the message indicating card approval around the same time.
#5122
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
So, I tried to apply for the new CSR a few months ago, but was denied because I was 5/24; I got to thinking today that one of my 5 I was an authorized user of a card that was closed in January and will fall off my 5/24 at the ends of next month.
So, assuming I have 1 app left for the next 6-8 months which direction should I go: CSR, CFU, CSP? Currently only chase cards I'm holding (and ever had) are ink+ and mileageplus. Also, I'm trying to get 5 of us to Europe next summer, and am sitting on about 240k UR points (shooting for 300k for flights), so I'm leaning CSR...any thoughts? Only thing that worries me is being this late in the year and utilizing both travel credits before cancelation; my brother got a late calendar app on the cities prestige and because of a weird statement date coinciding with the calendar year only got 1 credit for his $450 annual fee.
Any help is appreciated!
So, assuming I have 1 app left for the next 6-8 months which direction should I go: CSR, CFU, CSP? Currently only chase cards I'm holding (and ever had) are ink+ and mileageplus. Also, I'm trying to get 5 of us to Europe next summer, and am sitting on about 240k UR points (shooting for 300k for flights), so I'm leaning CSR...any thoughts? Only thing that worries me is being this late in the year and utilizing both travel credits before cancelation; my brother got a late calendar app on the cities prestige and because of a weird statement date coinciding with the calendar year only got 1 credit for his $450 annual fee.
Any help is appreciated!
#5124
Join Date: Oct 2015
Posts: 115
I was in branch and was pre-approved for CSR and CFU cards. I asked them to apply for both. They did apply for CSR first and after applying pre-check approval button went away for CFU but ended up applying for CFU as well.
Status line tells 2 weeks for CSR but 7-10 business days for CFU. CFU looks like denial but was pre-approved when I went into branch. Will speaking to a rep help?
Status line tells 2 weeks for CSR but 7-10 business days for CFU. CFU looks like denial but was pre-approved when I went into branch. Will speaking to a rep help?
#5126
Join Date: Jul 2016
Location: Dallas, TX
Programs: WN A-List Pref, Hilton Diamond, Marriott Gold, IHG Plat
Posts: 460
#5127
Join Date: Sep 2012
Posts: 4,431
My family member is currently 5/25, with the 5th falling off on 11/28. It was a TD Bank Target card, which I'm not even sure counts against 5/24, but I don't want her to apply if it's a guarantee rejection. But since applications are good for 30 days, is there any downside to applying now, and if rejected for 5/24, wait until 11/29 to call in? I'm just worried that waiting until 11/29 will potentially result in first statement closing in January rather than December.
#5128
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
A relative just got the we need to review your application further/7-10 days notification after applying for a Chase Freedom Unlimited. Already has CSR and Freedom. Came to ask me knowing I play the points game. Problem is, I'm not really a churner and have never been initially denied or had to speak to recon line.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
Many with the 7-10 day wait notice will be approved w/in the week. My wife applied for a Chase card last week and got the 7-10 day notice and was auto approved 2 days later. It probably won't hurt for him to call recon. though. They may want to move CL around. Ck. the wiki for phone #s.
I was in the same boat (good score, under 5/24, thinking about proactively rebalancing credit lines). I decided to wait out the 7-10 day message and let things run their course without calling and was approved a few days later. Around 5 days after the application the card suddenly appeared in my online profile. I received the message indicating card approval around the same time.
A 7-10 day message received online immediately after applying is in no way indicative of approval or denial PERIOD.
The 7-10 day message from the automated response line is the one that has the negative connotation (yes I know there have been exceptions, but that's not relevant to what I'm pointing out here).
Last edited by Ed Janowsky; Nov 22, 2016 at 4:24 pm
#5129
Join Date: Aug 2016
Posts: 165
Folks, EVERYONE applying online who is not instantly 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 (yes I know there have been exceptions, but that's not relevant to what I'm pointing out here).
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 (yes I know there have been exceptions, but that's not relevant to what I'm pointing out here).
#5130
Join Date: Jul 2013
Posts: 1,784
A relative just got the we need to review your application further/7-10 days notification after applying for a Chase Freedom Unlimited. Already has CSR and Freedom. Came to ask me knowing I play the points game. Problem is, I'm not really a churner and have never been initially denied or had to speak to recon line.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
So, can he call the recon line immediately or should he wait x amount of time? FWIW he is not 5/24 and has excellent credit score, but I suspect he simply has too large a CL with Chase and will need to reallocate some credit. Don't know if that impacts the decision.
Thanks for any input.
What I know for sure is there is an excellent chance you will have a very unpleasant experience if you call, even if you do eventually get approved. AFAIK, there is no reason to call before getting an answer to your app. If denied, perhaps needing to move credit etc., you can do that after a denial letter.