British Airways 100,000 bonus coming back

[myb821]

i was not approved instantly either...i called that number and they approved me. Will be my 5th open chase card...on the last one they made me reduce my other credit lines but this time she just approved it.

u called before they denied u?

[Yordai Dooma]

u called before they denied u?

Well i called to check status and the recording said they will mail my decision and will get it in 2 weeks. So i called the number and asked her the status. She put me on hold. Came back and said she can approve it.

[myb821]

Well i called to check status and the recording said they will mail my decision and will get it in 2 weeks. So i called the number and asked her the status. She put me on hold. Came back and said she can approve it.

will tat be dangerous i applied for two apps and one was instantly approved and the other is pending?

[yissie]

i was not approved instantly either...i called that number and they approved me. Will be my 5th open chase card...on the last one they made me reduce my other credit lines but this time she just approved it.

Lucky You!

[youthink]

Not approved instantly....Called same number the next day and only approved after moving available limit from my CO card. Guy said although my credit is good I had too many inquiries in the last year and when someone is shopping around for credit, it almost 'makes them wonder why.' They should really add a new category to credit reports for people who are just after the points.

Either way, approved.

[yaakov s]

Well i called to check status and the recording said they will mail my decision and will get it in 2 weeks. So i called the number and asked her the status. She put me on hold. Came back and said she can approve it.

that seems to be normal most people aren't getting instant approval , that doesn't mean they were going to deny you

[myb821]

that seems to be normal most people aren't getting instant approval , that doesn't mean they were going to deny you

will it be risky for me to call since i have two apps in?

[yaakov s]

will it be risky for me to call since i have two apps in?

if your nervous what's your rush , wait till you get an answer.

[yaakov s]

will it be risky for me to call since i have two apps in?

also not sure what you are worried about , they aren't adding another hard pull to your account. At worst if your denied and you call for reconsideration they will see that you have the cc you were approved for . Big deal your still ahead had you applied separately you would of had 2 hard pulls and by the second one you would of also had another Chase card already.

[youthink]

if your nervous what's your rush , wait till you get an answer.

will it be risky for me to call since i have two apps in?

  I say call right away. In my case they decided 'declined' in less than 24 hours after applying, but the phone call turned into 'approved.' They probably already decided, you don't have much to lose by calling.

[AsherO]

  I say call right away. In my case they decided 'declined' in less than 24 hours after applying, but the phone call turned into 'approved.' They probably already decided, you don't have much to lose by calling.

+1

[af725]

How long it supposed to take for the additional points to come in?

[yaakov s]

  I say call right away. In my case they decided 'declined' in less than 24 hours after applying, but the phone call turned into 'approved.' They probably already decided, you don't have much to lose by calling.

your correct that they are deciding within 24-48 hours,and initially declining many of the apps even though after a quick phone call they are overturning them .  I guess just waiting 2 weeks for snail mail wasn't good advice . Worst case hang up if they tell you they are still reviewing it .

Not that I'm sure why you are nervous like I mentioned earlier , you sound like you did something wrong

[AsherO]

Looks like I'm in trouble with Chase. I'm flagged as a credit risk with too many inquiries in 6 months and it looks like they won't be approving anything for me in the near future. Time to take my business elsewhere for the time being...

She actually told me that (in my situation?) the three apps at once are seen as a credit risk, even when I explained I was doing it for the bonus miles.

Looks like my trigger-happiness will cost me 100k BA...

[yaakov s]

Looks like I'm in trouble with Chase. I'm flagged as a credit risk with too many inquiries in 6 months and it looks like they won't be approving anything for me in the near future. Time to take my business elsewhere for the time being...

She actually told me that (in my situation?) the three apps at once are seen as a credit risk, even when I explained I was doing it for the bonus miles.

Looks like my trigger-happiness will cost me 100k BA...

sorry to hear that

[AsherO]

sorry to hear that

Oh well, time to explore my options with Citi, my Equifax report needs some lovin...

Anyone know of any banks that pull Equfax in NY? (Besides Amex, Barclay, BofA, Cap1, Chase, Citi and Discover).

[myb821]

so i called i applied for both the continental and united. the first person i spoke to said that she cant do anything the continental was declined the united was approved for 12k credit line. and i asked if i could split the cl between the two and she said she couldnt do anything for me. I hung up and called back spoke to someone else he told me both cards are of the same product and could only give me one, he gave me the option of which card i wanted. I told him to give the continental. so he said he closed the united and gave me the continental. sat night i will call back and try get the united card reopened

[yaakov s]

Looks like I'm in trouble with Chase. I'm flagged as a credit risk with too many inquiries in 6 months and it looks like they won't be approving anything for me in the near future. Time to take my business elsewhere for the time being...

She actually told me that (in my situation?) the three apps at once are seen as a credit risk, even when I explained I was doing it for the bonus miles.

Looks like my trigger-happiness will cost me 100k BA...

was the BA part of this trifecta or you fell out of grace before the BA offer came about

[yaakov s]

so i called i applied for both the continental and united. the first person i spoke to said that she cant do anything the continental was declined the united was approved for 12k credit line. and i asked if i could split the cl between the two and she said she couldnt do anything for me. I hung up and called back spoke to someone else he told me both cards are of the same product and could only give me one, he gave me the option of which card i wanted. I told him to give the continental. so he said he closed the united and gave me the continental. sat night i will call back and try get the united card reopened

why didn't you follow Dans directive if you don't get what you want call back again , what would a 3rd phone call cost you . Unless reopening a closed CC is feasible , I'm not familiar with that issue (actually not familier with most issues related to CCs)

[myb821]

why didn't you follow Dans directive if you don't get what you want call back again , what would a 3rd phone call cost you . Unless reopening a closed CC is feasible , I'm not familiar with that issue (actually not familier with most issues related to CCs)

i probably should have i am going to call back now see what happens