How to Ask for Reconsideration
Dec 14, 2012 | 11:59 pm
#1
Original Poster
Join Date: Mar 2011
Posts: 33
How to Ask for Reconsideration
My wife recently applied for SW Rapid Rewards card and got instant approval. A few days later she applied for a SW RR Business card and we just received notice that she was turned down. The ironic part is that she does have a legitimate business.They said "too many applications or open accounts with us(Chase)" All we have are a Chase Sapphire and Chase Ink Bold.
The letter gave us a number to call for reconsideration but I'm not sure what to say to them. We'd really like to get a companion pass next year since our daughter just got married and moved to NY. We plan on flying SW from Seattle to NY a lot and the companion pass would be helpful.
Any suggestions on what to say in the reconsideration call?
The letter gave us a number to call for reconsideration but I'm not sure what to say to them. We'd really like to get a companion pass next year since our daughter just got married and moved to NY. We plan on flying SW from Seattle to NY a lot and the companion pass would be helpful.
Any suggestions on what to say in the reconsideration call?
Dec 15, 2012 | 12:10 am
#2
Join Date: May 2012
Location: New York
Programs: Marriott Lifetime Titanium, Hertz Pres. Circle, HHonors Diamond
Posts: 564
When you say "we", do you also mean that she is the primary (not secondary) cardholder for the Sapphire and Ink Bold card? Chase does seem to limit the amount of cards you get in a short period of time. I was able to get 2 cards this year and 5 months later was trying to get a third but was denied unless I cancelled one of my existing cards. Did she apply for any other Chase cards recently besides the SW RR Personal?
Just be prepared to any questions they may have on the business (how long, income, etc.). Other than that, I would tell them that you will be flying with Southwest a lot (which is true) and want to get the business credit card to separate your expenses.
Just be prepared to any questions they may have on the business (how long, income, etc.). Other than that, I would tell them that you will be flying with Southwest a lot (which is true) and want to get the business credit card to separate your expenses.
Dec 15, 2012 | 7:30 am
#3
Join Date: Jan 2012
Posts: 757
Most of the time they will make you move credit around or close another card. If you want to keep the cards open have reasons for them that don't sound abusive (e.g. I like the Ink card for the no-forex, but I expect an uptick in domestic travel both personally and for the business so we want to match the spend with the partner's card).
After they go through their questions is the time to broach re-allocating credit. If that is a no go, then offer to sacrifice a different card.
Finally, remember HUCA is an option if you have an inflexible rep (Hang up, call again - "for some reason I was disconnected . . . ") Chase is pretty easy to deal with though.
After they go through their questions is the time to broach re-allocating credit. If that is a no go, then offer to sacrifice a different card.
Finally, remember HUCA is an option if you have an inflexible rep (Hang up, call again - "for some reason I was disconnected . . . ") Chase is pretty easy to deal with though.
Dec 15, 2012 | 8:39 am
#4
Formerly known as cagalindo
Join Date: Sep 2010
Location: MCO TPA
Programs: Citi AA/HH/TYP Amex SPG/HH & Chase SP/PC
Posts: 1,335
just call and ask them to check the status of the application.. if your credit is good they will say blah blah blah you have really good credit we just need to move some around... if there is another issue they will tell u and then u just tell them blah blah blah its because i really want this card and please reconsider because i have really good credit and because i never miss any of my payments, blah blah blah