CSR - Reapply or Call?

[Xtina]

So i was denied thanks to the 5/24 rule and in unusually bad form, I didnt check my credit report until after this. One of my cards has since fallen off and i am not at 4/24.
I still want this card - should i reapply or call the reconsideration line? What do you think?

 

[MickiSue]

Reapply = another HP. But if that's not an issue, I'd go ahead.

 

[Xtina]

Reapply = another HP. But if that's not an issue, I'd go ahead.

my score is well over 800 so im not worried. i think i will reapply. thanks!

 

[smittytabb]

my score is well over 800 so im not worried. i think i will reapply. thanks!

I'd call reconsideration, not reapply for sure.

 

[dukerau]

I'd call reconsideration, not reapply for sure.

If the issue is that OP was at 5/24 and is now at 4/24, I'd just reapply. May get auto approval rather than having to convince a Chase rep to repull bureau and ignore the 5/24 from before.

 

[Viet Travelers]

Call recon again. Do not reapply. Tell them that you are willing to relocate CL. Then tell them that you are under 5/24 now that the other account is seasoned.

 

[Xtina]

Call recon again. Do not reapply. Tell them that you are willing to relocate CL. Then tell them that you are under 5/24 now that the other account is seasoned.

didnt get auto approved this time. will wait and then call reconsideration line when i get the next letter.

DID sign up my mom, she got auto approved. i will be using her card until i get my own. so for now, not amazing but netter than nothing - thats for sure!