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FlyerTalk Forums Thread Wiki: Applying for Chase Credit Cards- Archived 2008-5/2015
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Old May 12, 15, 7:26 pm   #3346
  
Join Date: Mar 2015
Location: California
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Quote:
Originally Posted by sungchiahao View Post
I just got my CSP card, but I am not seeing my signup bonus conditions arriving in the welcome package. Where do I get the signup bonus terms?
You're correct. I just checked my CSP paper works. There was no mentioning of the signup bonus. However, I signed up in the branch and confirmed the bonus right there.

To be sure, I always call the CC company (or in this case, Chase accepts secure messaging online) and ask them to confirm the signup bonus.
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Old May 12, 15, 7:42 pm   #3347
  
Join Date: Mar 2015
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Quote:
Originally Posted by kasan08 View Post
Got the UA card signon bonus 2 years plus 2 months ago and cancelled the card two weeks ago. is it now safe to apply for it again? My concern is that I received the UA card refer ad email 3 days ago and I can still be able to log in the chase refer system with my old UA card info, so i am not sure if my old card is still in their system..
I agree with what Brugge said.

If you need to be very sure, you can call Chase. Let them know you have paid off all balances on this card and you have accrued no new charges on the card. And ask them to remove the card from online account history. If they ask why, let them know the card has been closed, and you no longer need to see it online (which is your case). It should be immediately marked, and may take up to two days for it to disappear from your account.

Last edited by Bluebirdie; May 17, 15 at 11:28 pm Reason: Heed to sethb's comment and edited wording
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Old May 13, 15, 7:12 am   #3348
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Quote:
Originally Posted by Bluebirdie View Post
I agree with what Brugge said.

If you need to be very sure, you can call Chase. Let them know you have paid off all balances on this card and you have accrued no new charges on the card. And ask them to make the card delinquent. If they ask why, let them know the card has been closed, and you no longer need to see it online (which is your case). It should be immediately delinquent, and may take up to two days for it to disappear from your account.
I don't think "delinquent" is the word you mean.
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Old May 13, 15, 3:47 pm   #3349
  
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I closed my Chase SW Plus account around 8 months ago. Got the bonus points back in 2011. Would it be safe to apply again and get the new 50K bonus amount?
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Old May 13, 15, 5:14 pm   #3350
  
Join Date: Sep 2013
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Quote:
Originally Posted by olouie View Post
I closed my Chase SW Plus account around 8 months ago. Got the bonus points back in 2011. Would it be safe to apply again and get the new 50K bonus amount?
It depends. If 2011 was more than 24 months ago, then you should be fine. If 2011 was less than 24 months ago, then you need to wait.
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Old May 13, 15, 7:19 pm   #3351
  
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Applied and got pending. Called recon. Went through a fairly extensive Q&A with no issues. Rep said they need another 1-2 days for a senior rep to look at my application. Haven't had this happen before. Do I have any chance of this getting approved?
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Old May 13, 15, 10:41 pm   #3352
  
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Originally Posted by Travel22 View Post
Applied and got pending. Called recon. Went through a fairly extensive Q&A with no issues. Rep said they need another 1-2 days for a senior rep to look at my application. Haven't had this happen before. Do I have any chance of this getting approved?
You didn't tell us what your total Credit Line is with Chase. It sounds like your are at your max CL with them, and only a Senior Credit Analyst can approve your app at that CL level. If so, it's time to start trimming your Chase CL.
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Old May 14, 15, 10:34 am   #3353
  
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I'm not sure if a data point is needed here, but I can confirm that reducing your total CL seems to prompt instant approval. (Obviously, if your income and FICO are adequate) I have been at about $75K CL for over a year. Every single app I had to call in and move credit around for approval. I finally whacked $42K off. Low and behold...Instant approval today with $35K CL. Probably going to have to trim that a bit now, too.
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Old May 14, 15, 10:39 am   #3354
  
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Originally Posted by flyaxa View Post
I'm not sure if a data point is needed here, but I can confirm that reducing your total CL seems to prompt instant approval. (Obviously, if your income and FICO are adequate) I have been at about $75K CL for over a year. Every single app I had to call in and move credit around for approval. I finally whacked $42K off. Low and behold...Instant approval today with $35K CL. Probably going to have to trim that a bit now, too.
And yes, that's the problem with trimming your TCCL. The more you trim it, the higher the CL they give you on your next card, and so the more you have to trim it again.
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Old May 14, 15, 2:17 pm   #3355
  
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Quote:
Originally Posted by Brugge View Post
And yes, that's the problem with trimming your TCCL. The more you trim it, the higher the CL they give you on your next card, and so the more you have to trim it again.
is there a way of reducing credit limits online or do i need to call in?
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Old May 14, 15, 3:13 pm   #3356
  
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Quote:
Originally Posted by grantsi View Post
is there a way of reducing credit limits online or do i need to call in?
You can do it through instant message. When doing so also let them know if you would like them to disable automatic credit line increases for the account(s)
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Old May 14, 15, 3:34 pm   #3357
  
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I called after getting the pending notice. Got asked some questions and after they said it would take a few days I asked for a credit line exchange (CLE). Within 5 minutes of doing that I was approved after moving some credit around and new card is on its way.
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Old May 15, 15, 5:15 pm   #3358
  
Join Date: Sep 2013
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Quote:
Originally Posted by Lumpylump76 View Post
This is either something all new, or just Chase seeing you not using the cards they already gave you.
So if 5 in 2 years is too many, I guess 5 in 3 months won't fly either.

Hopefully this isn't some new Chase policy, or I'm most likely never getting another Chase card for the rest of my life.
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Old May 15, 15, 5:30 pm   #3359
  
Join Date: Jan 2014
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Quote:
Originally Posted by Brugge View Post
So if 5 in 2 years is too many, I guess 5 in 3 months won't fly either.

Hopefully this isn't some new Chase policy, or I'm most likely never getting another Chase card for the rest of my life.
Would love to see folks doing 5BM getting locked out of Chase for a couple of years.
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Old May 15, 15, 7:21 pm   #3360
  
Join Date: Oct 2012
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Quote:
Originally Posted by Lumpylump76 View Post
How many Chase cards do you have, how old are they, and how much usage have you put on them?

This is either something all new, or just Chase seeing you not using the cards they already gave you.
5 Chase, varying age, youngest is 18 months old. Usage on most is fairly frequent. They did say it was any new cards, not just new Chase cards.
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