Many readers commented on a recent post about Chase not allowing them the ability to go through a reconsideration process on a denied credit card application.
We know that they’ve been tightening business credit card approvals, but I found it surprising that they wouldn’t even allow a reconsideration process for some card applications.
There are probably certain denial reasons that the reps are trained to not even allow a reconsideration process given that they know it won’t be overturned. Honestly, I’m not sure that this change bothers me – if they internally made the absolute decision that certain denial reasons won’t be overturned, I’m happy to save my time and effort as well on the call.
Last ink (P2 first ink using ssn only), HUCA’d 4 times, approved 3k
what’s huca?
Hung up called again
Any reports on getting personal applications denied as well? Was on ink train for last 3-4 years. Having hard time getting approved for prime Visa card. Denial Reason: somebody may be trying to use my identity.
Upon calling fraud specialist, they always mention you’ll either receive card or letter in mail. Well so far it’s been only denial mails.
Citibank made it almost impossible for a reconsideration with a Wawa card application.
She has a 800 credit score and they denied her for insufficient credit, what a joke.
Tried calling the # listed and the recording wont even speak to you without a credit report in your hands, and still no option even after you get one.
You’re on the wrong page, buddy. This article is about Chase.
Also, who is the “she” in your story? kek
Can we pressure Chase to reconsider this?
Call Jamie and if he says “No” just HUCA until he changes his mind.
Call the CEO reconsideration line
When you have those rando 20 year old YouTubers say call 10 times eventually Chase gets annoyed enough
I smell the government sniffing around.
I just smell cost cutting. Hiring people to say no over and over on a phone is idiotic given how rare an approval is given from Chase recon anymore.
Yes. I doubt it makes any difference because the ones they won’t recon are the ones they were always going to deny on recon. The only difference is it used to take 57 minutes and 3 HUCAs for 4 reps to say “NO.” Now it doesn’t.
I’d wager their analytics team convinced some exec that customers going through recon (human override) are not profitable and/or more risky.
They want the algorithms to make the call, minimizing human intervention, likely with more agent training on “when to override”. These trainings take time to propagate across their front line staff & will become the norm soon.
This is a revenue optimization move.
Umm, we’re about to go into an era of immense deregulation, unless… said company offends dear leader, then all bets are off… they’ll soon be audited.. to the max.
Some people were trying too hard though. Recently getting a card 3 weeks prior and calling in 4-5 times to try and reconsider. I know a lot of us can try and know when to let it go for a while but some people run it into the ground for others.
If everyone did drip-drip-drip, certain methods would remain undetected and alive for everyone. But, as you say, some people don’t play the long game. Like Veruca Salt, they want it now. And, it hoses everyone. Like the Air Canada PYB thing. Everyone got hosed.
Only time I had to ask for “reconsideration” recently from Chase was to confirm that one of my 5/24 was as authorized user my wife’s card, would be a bummer if this type of clarification not directly related to credit risk/worthiness would no longer be considered
Wonder if they are tightening up in anticipation of more credit delinquencies
With how much consumer debt the US carries, this is a fair assumption.
Had this happen to me a few weeks ago. No issue with it but for some reason the last was incredibly snide about it.