May 17, 2013, 10:08 pm
Last edit by: beltway
This thread is now archived. For later discussion, see the threads starting at May 2015 (now also closed) and January 2017 (current, with updated wiki).
Applying for Chase Credit Cards- Archived 2008-5/2015
May 15, 2015, 7:21 pm
#3361
Join Date: Oct 2012
Posts: 9
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.
May 15, 2015, 7:39 pm
#3362
Join Date: Jan 2014
Posts: 565
Well, if Chase Really implements a policy that says 5 HP in two years means no new cards, that would be really crimping a lot of people's activities. Let see if anyone else reports this.
May 15, 2015, 9:20 pm
#3363
Join Date: Feb 2015
Posts: 111
Just applied for CSP and approved. Card on the way.
Want to get the Ink plus and the Freedom as well. Do not have any other chase cards. Good credit score.
1. Is that too many too soon?
2. For the Ink Plus, does a new biz qualify? Have single prop LLC, but no tax returns filed. Essentially, chase has no way of knowing the income so it can be $1 or 10 or 100,000.
Want to get the Ink plus and the Freedom as well. Do not have any other chase cards. Good credit score.
1. Is that too many too soon?
2. For the Ink Plus, does a new biz qualify? Have single prop LLC, but no tax returns filed. Essentially, chase has no way of knowing the income so it can be $1 or 10 or 100,000.
May 16, 2015, 9:29 am
#3364
Join Date: Oct 2013
Location: NYC
Posts: 47
Apologies for cross-posting, but I just applied for the card through this link:
https://www.theexplorercard.com/50k50AFWIC/allbenefits and was instantly approved.
My most recent Chase United Plus Explorer card was approved in October 2013, so less than 24 months ago. Any opinions on whether I'll get the 50K points with this recent approval? I'm obviously reluctant to go for the (admittedly low) $2000 spend in 3 months if I won't get the points in the end and I'm nervous to send them a SM in case it alerts them to my situation.
https://www.theexplorercard.com/50k50AFWIC/allbenefits and was instantly approved.
My most recent Chase United Plus Explorer card was approved in October 2013, so less than 24 months ago. Any opinions on whether I'll get the 50K points with this recent approval? I'm obviously reluctant to go for the (admittedly low) $2000 spend in 3 months if I won't get the points in the end and I'm nervous to send them a SM in case it alerts them to my situation.
May 16, 2015, 9:39 am
#3365
Join Date: Jan 2014
Posts: 565
Apologies for cross-posting, but I just applied for the card through this link:
https://www.theexplorercard.com/50k50AFWIC/allbenefits and was instantly approved.
My most recent Chase United Plus Explorer card was approved in October 2013, so less than 24 months ago. Any opinions on whether I'll get the 50K points with this recent approval? I'm obviously reluctant to go for the (admittedly low) $2000 spend in 3 months if I won't get the points in the end and I'm nervous to send them a SM in case it alerts them to my situation.
https://www.theexplorercard.com/50k50AFWIC/allbenefits and was instantly approved.
My most recent Chase United Plus Explorer card was approved in October 2013, so less than 24 months ago. Any opinions on whether I'll get the 50K points with this recent approval? I'm obviously reluctant to go for the (admittedly low) $2000 spend in 3 months if I won't get the points in the end and I'm nervous to send them a SM in case it alerts them to my situation.
May 16, 2015, 10:09 am
#3367
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
My spouse applied for the Sapphire got a pending review. Called two different reconsideration lines in the wiki and was told too many applications within 2 years and not just counting Chase cards. She said 4 in not even 2 years. is this pretty common? Both calls on the reconsideration lines said the same thing even after I reduced the credit line on two cards by a total of about $12,000.
May 16, 2015, 10:10 am
#3368
Join Date: Feb 2014
Posts: 188
Recently applied for Southwest Biz and United Biz on the same day. Approved for Southwest, but just got denail letter for United.
Should I recon? And any chance they will hard pull again to review?
Should I recon? And any chance they will hard pull again to review?
May 16, 2015, 10:31 am
#3369
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
As for Chase's too-many-apps rejection, unfortunately I don't think that is triggered by a specific number of applications in a certain number of months. Instead, I think it depends on the individual applicant's financial landscape. Case in point: I have had about 8 applications (all successful; not all but most were with Chase) in the last 24 months, yet I was just approved by Chase for an IHG card. Of course, I don't alienate Chase by manipulating my credit limits.
Yes, you have a chance, but we could offer better advice if we had an inkling about what Chase was getting at during their questioning. Anyway, remember that "pending" isn't a rejection. I get that more than not, and always get approval.
May 16, 2015, 10:31 am
#3370
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
These comment of "more evidence" are in direct contradiction of the OPs.
May 17, 2015, 5:57 am
#3371
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
RNE, unless you are being deliberately obtuse or argumentative, no one can seriously take your position with merit.
The debate is not *WHETHER* you get approved and it has never been about that. It is can you be approved instantly with the computer app, or do you have to call in and talk to someone and then be approved.
There will be people who will be:
*denied instantly
*pending - but then denied
*pending - then approved
*instantly approved.
Lowering your CL doesn't some how make your bankruptcy 6 months ago disappear and make you a better candidate. It makes auto approval easier.
Lowering your CL increases the chance of moving from the *pending - then approved* category to the *instantly approved* category. Again, not about *whether* you are approved, but whether it is instant or not.
May 17, 2015, 9:36 am
#3374
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Do you have an app link for that? C'mon Carl, this is RNE you are talking about. This can't be a serious question. 
May 17, 2015, 9:49 am
#3375
Join Date: Oct 2013
Location: NYC
Posts: 47
Wishful thinking, in the off chance that it wasn't firmly enforced. I have had luck with other cards in the past, but given the consensus here that Chase will not overlook my history it seems like it was pointless to try. But the hit to my credit score for one hard pull is minimal and temporary, so I figured it was worth a shot.