I apped for the Chase Southwest Premier and the Chase United yesterday. Both came back with 30 days.. then the dreaded 7-10 day on the automated line.
I then called the recon number and got a wonderfully nice man. He said they were declined for derog on credit report EQ... my lowest score at 639. I only have one and its FP from 2011 and I have tried to no avail to get it removed. Letters, calls, emails, nothing. My util is 9%. I have a few store cards, comenity as a fact and three synch. Bank of America that was secured and I was able to get it unsecured yesterday as well. It went from $400 secured to $1200 unsecured. I have two cap1 QS1 with 1300 each and a secured Discover with a 2500 limit.
I was sweet as pie with him and he went over my report and noted that there was only that one derog. NO late payments no other issues at all. He asked if I could hold for a few minutes, maybe five so he could recon the app. I said absolutely. He came back with approvals for both with 5k SL. I almost fell out of my chair. Southwest was immedialtely available on my chase mobile app- I bank with them currently. The United was sent to verification and I was transferred and requested to send them a copy of my drivers license which I instantly did.
I am totally over the moon. In the past two days I have gotten the following approvals or clis. Almost 25k increase in credit. Totally shocked.
Amazon 800 to 5000
Walmart 200 to 4000
Old Navy 300 to 4000
BOA secured 400 to UNsecured 1200
Chase Southwest 5000 APR 16.24 Thats Low!!!
Chase United 5000
What an awesome couple of days!!!
This board works!!!
Started at the bottom now we're here!!