Late last week I applied for both the Southwest Personal and Business cards with the goal of hitting the minimum spend on both early in 2014 and securing a companion pass for nearly 2 years. The personal card was approved instantly, and the business card was pending.
I called the business reconsideration line, was asked a few questions by the phone rep, and was put on hold for a couple minutes while my application was processed. The rep came back and told me my application had been denied! This is the first non-Barclay denial I have gotten… but I was prepared: I asked if I could move credit from another card to open this account… he said no. I asked if I could cancel a card to open this one instead… he said no again. I decided to cut my losses there and thank him for his time. Hang up, call back. When I called back, I was connected with another rep. I gave her my social, she pulled up my app, and immediately said “I see my colleague has already reviewed your application, there is nothing I can do.”
Is this a new policy? Did I just get unlucky with my phone reps? Should I try calling back again?
The same thing happened to me about a month ago. The second rep I spoke to confirmed the information from the first. I called a third time and same answer. The rep seemed annoyed at that point. I definitely have more luck with Amex reconsideration than Chase.
I definitely got the annoyed tone from the second rep too. I never have had a problem with Chase recon before… I’ve called for personal and business cards and have always been approved. Never have even had to close a card to get approved and only needed to move credit one time! Definitely would be a bummer if they are starting to be more strict about approvals and reconsideration calls.
looks like Chase got their playbook from the other banks
I got through the Chase Reconsideration line last week. Though the bigger story is that the reconsideration number seems to have been mysteriously pulled from all of the large blogs…
I got through to a rep, just didn’t have any luck. Also – were you calling personal or business? It definitely seems that something fishy is going on.
I’ve heard that Chase has a $20,000 cap on total credit lines (though I’m sure that varies by customer), and they may also have a limit on total number of cards. How many business cards do you already have?
You could try waiting to see if the 50,000 point bonus is offered again in the first half of 2014 and if it is, closing a Chase business card and reapplying for this one.
I would bet that number is different for each customer as well. I only have 1 other business card with them, so I don’t think that’s it (also – I was applying for one under a different business name). I’m hoping the sign-up will come back sometime in the first 1/2 of 2014 and I will definitely make a second attempt at it then.
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