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One month estimated response time (by mail) afer applying for RR Visa

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One month estimated response time (by mail) afer applying for RR Visa

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Old Jul 24, 2018, 2:42 pm
  #1  
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Join Date: Mar 2009
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One month estimated response time (by mail) afer applying for RR Visa

I haven't applied for a CC in many years so found this interesting.

Went to this site https://creditcards.chase.com/a1/sou...Dual?CELL=653G
filled out their credit check info and was told I will get a response via US mail in about a MONTH.

My credit ratings are in the 800's

Anyone know why so slow to check me out?
bukzin is offline  
Old Jul 24, 2018, 6:49 pm
  #2  
 
Join Date: Jun 2018
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Fairly standard. Call back to the Chase credit card application status line in a few days and it'll update to either 7-10 days (denial) or 2 weeks (approval).
aquanine is offline  
Old Jul 25, 2018, 5:34 am
  #3  
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When you do not get something approved online within a few minutes, they apparently want to check something out before moving forward. They give themselves a month to cover their a$$.
NoStressHere is offline  
Old Jul 25, 2018, 5:50 am
  #4  
 
Join Date: Sep 2013
Location: Peoria
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Originally Posted by NoStressHere
When you do not get something approved online within a few minutes, they apparently want to check something out before moving forward.
That may explain why I was approved in a few minutes; I am sure its because I am a long-time Chase cardholder already.
Peoriaman1 is offline  
Old Jul 25, 2018, 6:15 am
  #5  
 
Join Date: Feb 2014
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Originally Posted by bukzin
My credit ratings are in the 800's
Could be your history with Chase or credit cards in general. If you don't meet the 5/24 guidelines they may want to review this some more.
jeffandnicole is offline  
Old Jul 25, 2018, 7:15 am
  #6  
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Originally Posted by jeffandnicole
Could be your history with Chase or credit cards in general. If you don't meet the 5/24 guidelines they may want to review this some more.
From what I have read, if you exceed the 5/24 - the application will be declined.
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Old Mar 18, 2019, 10:38 pm
  #7  
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Originally Posted by NoStressHere
From what I have read, if you exceed the 5/24 - the application will be declined.

What is the 5/24 rule? Also, is my rating down graded because I auto pay the outstanding balance each month?
bukzin is offline  
Old Mar 19, 2019, 4:57 am
  #8  
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Originally Posted by bukzin
What is the 5/24 rule? Also, is my rating down graded because I auto pay the outstanding balance each month?
5/24 means you have gotten 5 new cards within 24 months. That includes being an authorized user.

As to auto pay. Not a problem. We do that on all cards and have maybe 30 cards - most not in use of course.

But, as said earlier... if not approved right away, they have some questions.
NoStressHere is offline  
Old Mar 19, 2019, 9:23 am
  #9  
nsx
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This happens all the time to me. I regard it as normal. For example they may decide to reduce credit limits on an existing account and then issue the new card.

There’s an automated phone line you can call for status. You key in your SS number and it tells you pending or approved or not. Expect a decision within 10 days.

Another method is to logon to your chase account where you may see the new card.
nsx is offline  


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