When Chase Recon approves you but you're still not approved.....
So, I have had my personal and business checking accounts with Chase for months now, trying to get in with them for a CC. Last app was 6 months ago for a personal card, which was declined. My recon consisted of me describing how well my business is doing and how much money is being brought in, in general, and how I'd love the card for various reasons. At that time, the analyst said, "but you're not applying for a business card" and it was ultimately declined. So this time, this time I thought I'd do things differently and get a business card first so that I might have an "in" with them and garden for a while before trying for a personal card (this is what I did with Amex and it worked out just fine). I thought surely it wouldn't be declined as I have an outstanding banking relationship with Chase, a good CC profile overall with perfect payments, though I do have some credit dings (now finally over 2 years old, which is the amount of time they said to wait before trying again) that are still there and have been the reason for denial in the past. Anyway.... the applicaiton for the card was declined so I called recon. The analyst asked me probably 20 questions about the business, and I was put on hold several times. Ultimately she said that although she recognizes some bad things on my CR, she sees they are aging (over 2 years old) and she was happy to approve for $5k for an Ink card. Then there was silence. She was confused. She asked for another couple minutes because the system wasn't letting her override the decision. Eventually she said she would have to call me back, as she's not experienced this problem before. She called me back an hour later. Her manager, a senior analyst, had to get involved and decided to decline. Does anyone have experience with this? An analyst that actually approves you (or tries to) and then he or she can't? What to do? Let it go? Call again? Call EO?
SkinMatters wrote:
Yes-Its-Me wrote:
Why did the Sr. analyst decide to decline the transaction?. Did they say? I'd call back again or if you have a Chase branch near you, go into the branch and have a business banker call the lending department directly on your behalf. You have a much better chance getting approved doing it this way. Essntially, the business banker is almost reconning on your behalf if they open your account for you and know your business well. All the best and keep us posted on results.Senior analyst cited the baddies from >2 years ago that the original analyst was more than willing to overlook because of the amount of time passed. Is it time to contact EO? Does anyone have any luck ever with Chase EO? Otherwise I like the suggestion to contact business banker...@Skinmatters, I'd still go in and talk to a business banker about the application... If that fails then that is when you can reach out to their EO. But business banker first- I will keep fingers crossed for you and let us know the outcome!!
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