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Old Aug 21, 14, 9:10 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Applying for Chase Credit Cards [Consolidated]
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Useful Chase Telephone Numbers
(800) 432-3117 General Application Status Line, automated
(800) 436-7927 Alternative General Application Status Line, automated
(888) 245-0625 Personal Reconsideration Line with a live rep
(888) 609-7805 Alternative Personal Reconsideration line with live rep
(888) 871-4649 Alternative Personal Reconsideration with live rep
(800) 453-9719 Business Credit Card Reconsideration Line with live rep
(800) 432-3117 General Card Services and Application Status, automated
(800) 955-9900 General Card Services and Application status, automated
(888) 298-5623 Credit Reallocation Office (Personal cards)
(800) 453-9719 Credit Reallocation Office (Business cards)
(888) 622-7547 Executive Offices
Twitter: @ChaseSupport
Can I apply for a specific Chase card and earn the bonus again after doing so previously?
It depends. A Chase card may be "churned" when an entirely new version becomes available. (For example, the Visa version of a card is generally treated as a separate product from the MasterCard version.) Note that simple variations among bonus offers do not amount to new versions/products for purposes of this rule.

Customers may also be able to "churn" the same card by waiting for a certain period between cancellation and reapplication. For many years, Chase's policy was not public, and FTers devoted much discussion and speculation to this topic, both in this master thread and in the various card-specific threads. Until 2014, there was rough consensus that a two-year wait between cancellation and reapplication is sufficient to allow earning the bonus a second time.

However, beginning in 2014 Chase began including explicit language in its offers, such as the following from a standard Sapphire Preferred offer:
Quote:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.
Great! So if I received the same card more than 2 years ago, I can apply again and get the bonus, right?
No. Apart from the normal considerations (such as your credit rating), there are three key considerations:
  • If you still have your old card of the same type, you're ineligible.
  • The 24 months are measured not from the date of your previous application (or approval date, if different), but instead from the date you received the bonus on the previous card, which may be 3-4 months later than the approval date.
  • Chase's policy does not indicate whether there is also a minimum waiting period between cancellation and reapplication, and there is not yet sufficient anecdotal evidence from FTers to draw firm conclusions. At a minimum, a prudent churner will wait at least a week or two after cancellation before reapplying so that all of Chase's systems fully reflect that closure. (See first bullet point above.)

Finally, note that if you reapply too soon, Chase may still issue you the new card. (This differs from other card issuers, such as Citibank, which denies such applications outright.) In this case, Chase typically notifies you by letter within a month or two after approval that, as a previous cardholder, you will not receive the bonus a second time.
I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close one account before applying for another?
The consensus among FTers is that you are more likely to hurt your chances by closing an account unilaterally. Instead, wait to see if you application is approved; if not, you can always contact the reconsideration department and offer to close another account or reallocate a portion of your existing credit line.
Current retention bonuses for not canceling a card
http://www.flyertalk.com/forum/chase...all-cards.html

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Old Jun 24, 13, 11:24 am   #1126
 
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 962
Quote:
Originally Posted by kmcbrid2 View Post
Just called in and was told I was denied. I'm traveling right now so won't see the rejection letter for several weeks should I call the reconsideration line now without seeing why I was rejected?

Yes, call and see if you can provide some answers that will sway them.

Did you call the automated line prior to reaching a rep? If so, what did it say? Was it "let you know in 2 weeks" or "let you know in 7-10 days"?
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Old Jun 24, 13, 11:31 am   #1127
 
Join Date: Nov 2012
Posts: 102
Quote:
Originally Posted by kmcbrid2 View Post
Just called in and was told I was denied. I'm traveling right now so won't see the rejection letter for several weeks should I call the reconsideration line now without seeing why I was rejected?
Did you call the automatic line and did it say that you were rejected? My Bold app went from saying 2 weeks to 7-10 days, but still said app is being reviewed. According to the dansdeals forum, the 7-10 days message is a reject. Although I'm wondering if they will mention that in the call or just in the letter.
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Old Jun 24, 13, 12:01 pm   #1128
 
Join Date: Jul 2012
Location: SE Asia
Posts: 936
I didn't get the automated response but rather went directly to a rep who checked the status for me and told me I had been rejected.

Just got off the line with the reconsideration rep and told me I was rejected because I had just received a bold card within the last 30 days and my credit history shows I have applied for 15 credit cards this past year so they feel I have sufficient credit.

So I guess I will lay off chase for a while.
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Old Jun 24, 13, 2:07 pm   #1129
 
Join Date: Jan 2011
Programs: UA 1k, Marriott P
Posts: 910
I have CSP, Ink+, Ink Bold cards now.
I am thinking of getting Cash+Classic to avoid the fees, their limits are fine with me and I am not losing on any 5x cats. Plus no fees and the CSP still gives me points flexibility.

Is the best way to approach it - just apply for two cars (at the same time?) and if not approve bargain or if approve just cancel +bold?

Thanks!
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Old Jun 26, 13, 12:06 pm   #1130
 
Join Date: Nov 2010
Posts: 566
Following up on my chase southwest business app (yes, not UR, but still chase applications)- applied yesterday afternoon. Just, got the 7-10 days in writing from the automated line and the business reconsideration agent checked, said 7-10 days and said they didn't need any more information at this time, it's still under review. This is the first business card I've applied for.

Do I call reconsideration again and try a different agent? Wait a couple days and call again? Wait for the letter?
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Old Jun 27, 13, 9:18 am   #1131
 
Join Date: May 2009
Location: DFW
Programs: AAdvantage Platinum, Hilton HHonors Gold
Posts: 1,931
Quote:
Originally Posted by kmcbrid2 View Post
I didn't get the automated response but rather went directly to a rep who checked the status for me and told me I had been rejected.

Just got off the line with the reconsideration rep and told me I was rejected because I had just received a bold card within the last 30 days and my credit history shows I have applied for 15 credit cards this past year so they feel I have sufficient credit.

So I guess I will lay off chase for a while.
I got a similar answer last April; they mentioned that since I opened 3 chase cards within 7 months they wanted to see my relationship with the bank growing before accepting me again. Oh well, I have enough points for a while anyways. But missing out on the 5x hurts for now!
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Old Jun 30, 13, 4:23 pm   #1132
 
Join Date: Jan 2013
Posts: 201
Applied for Ink Bold 6/16 and was approved around 6/25. First business card ever; $0 revenue biz. I want to wait 30 days and apply for the United Explorer Business 50k offer. What do you think my chances are?

Currently holding 3 Chase personal cards and have opened 8 personal cards in the last 12 months.

Last edited by waingro; Jun 30, 13 at 5:22 pm.
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Old Jun 30, 13, 5:11 pm   #1133
 
Join Date: Jun 2011
Location: CHS
Programs: Delta Gold Medallion, SPG Platinum, Hyatt Diamond, Hilton Gold, Hertz President's Circle
Posts: 334
Quote:
Originally Posted by waingro View Post
Applied for Ink Bold 6/15 and was approved around 6/25. First business card ever; $0 revenue biz. I want to wait 30 days and apply for the United Explorer Business 50k offer. What do you think my chances are?

Currently holding 3 Chase personal cards and have opened 8 personal cards in the last 12 months.
Just curious, you applied 6/15 (before the 60k bonus) but were approved 6/25 (after the 60k bonus). Did you get the increased bonus? Or just the 50K?
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Old Jun 30, 13, 5:22 pm   #1134
 
Join Date: Jan 2013
Posts: 201
Quote:
Originally Posted by jmgriffin View Post
Just curious, you applied 6/15 (before the 60k bonus) but were approved 6/25 (after the 60k bonus). Did you get the increased bonus? Or just the 50K?
Sorry, I signed up 6/16, 1st day of 60k promo.
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Old Jul 1, 13, 10:16 am   #1135
V9
 
Join Date: Apr 2003
Location: IAD/DCA
Programs: UA 1K/MM, Marriott Pltm, Hyatt Diamond, spg Pltm
Posts: 301
I received my Ink Business card today. But the package does not have the Bonus miles information. Why does the CC companies always do this? Before we apply they put big words for how many bonus miles; after approval, they try to minimize the effect, and HOPE we forget?

Because I did not have written record, I just remember that I followed a "temporary" thread (In MilesBuss! ?) that would be taken away after the promotion ended in a few days. And the bonus points are 65000 (55000 + 10000). The condition is to spend certain amount in certain months.

Anyone can point out that thread still?

Thanks!
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Old Jul 1, 13, 10:34 am   #1136
 
Join Date: Dec 2004
Posts: 5,505
Quote:
Originally Posted by V9 View Post
I received my Ink Business card today. But the package does not have the Bonus miles information. Why does the CC companies always do this? Before we apply they put big words for how many bonus miles; after approval, they try to minimize the effect, and HOPE we forget?

Because I did not have written record, I just remember that I followed a "temporary" thread (In MilesBuss! ?) that would be taken away after the promotion ended in a few days. And the bonus points are 65000 (55000 + 10000). The condition is to spend certain amount in certain months.

Anyone can point out that thread still?

Thanks!
V9 - You can get an easy "written" confirmation by logging in at Chase and asking through their message system. Just ask them to remind you of the terms of the sign-up bonus: number of points to expect, amount of spending required, and the time limit. That way you'll have some evidence in case things go haywire later.

If you're just nervous and want a quick answer you can call. A lot of people take screenshots while applying to avoid this issue.
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Old Jul 1, 13, 4:46 pm   #1137
V9
 
Join Date: Apr 2003
Location: IAD/DCA
Programs: UA 1K/MM, Marriott Pltm, Hyatt Diamond, spg Pltm
Posts: 301
Quote:
Originally Posted by rrgg View Post
V9 - You can get an easy "written" confirmation by logging in at Chase and asking through their message system. Just ask them to remind you of the terms of the sign-up bonus: number of points to expect, amount of spending required, and the time limit. That way you'll have some evidence in case things go haywire later.

If you're just nervous and want a quick answer you can call. A lot of people take screenshots while applying to avoid this issue.
Thanks!
I did call and it is $5000, 60K in 3 months - the agent had to find out although I trust her. I wrote it down this time.
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Old Jul 4, 13, 7:10 am   #1138
 
Join Date: Apr 2008
Location: BWI
Programs: US CP
Posts: 621
Does anyone know if Chase business pulls your CR when you apply, or when you call?

I applied for an Ink Plus today, along with an Amex and a Citi card. I got "Decision Pending" on the Ink, but when I called, found out that the business department is closed today for the holiday (stupid of me to forget). I'll call tomorrow, but will they see my other pulls from today, or only the report that was pulled when I originally applied?
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Old Jul 4, 13, 1:54 pm   #1139
 
Join Date: Mar 2008
Location: SEA
Programs: HHonors Diamond, Alaska, American, United
Posts: 44
Same Day Spouse Application -- Pending??

Perhaps someone can explain what happened here. DH and I decided to apply separately for Chase Sapphire Preferred cards (for the 40K points per card, which we would transfer 1:1 to Hyatt). Our credit scores are 815. We just refinanced our house (reducing our mortgage payment by $500/month), although I don't think that would affect our ability to obtain credit.

I applied online, and was instantly approved with a $31,500 credit limit. No authorized user. An hour later, I put in my husband's application (also no authorized user) and he got one of those dreaded "7-10 day" decision responses.

As far as our prior/current Chase credit card accounts are concerned:

1. I have the no-fee Chase Freedom ($17.5K limit) which I obtained many years ago from Waterhouse. It was a sock-drawer card. I use it now primarily for the 5% Chase Freedom bonuses. DH is an authorized user.

2. I also have the United Mileage Plus Explorer Card ($23K limit) which I applied for 7/8/12. Once I got the 55K mile bonus (50K + 5K for adding an AU), it went into the sock drawer.

3. DH also has a United Mileage Plus Explorer Card ($23K limit), applied for on 6/10/12. Once the bonus miles were credited, it went into the sock drawer. When it comes up for renewal (probably in August), he will close the account. DH and I are authorized users on each other's card.

4. The only other Chase card that DH has had was the British Air (100K bonus card). He closed that account in April 2011 (to avoid the annual fee).

Other than the United cards, all we applied for within the past 2 years have been: (1) Citibank American Advantage card (mine), for the 50K miles (Oct. 2012, $22K limit), and (2) an upgrade to his AMEX Hilton Surpass card about 5 months ago ($33K limit). Previously, we were heavily invested in Hhonors (he is a Diamond), but ever since the massive devaluation, we have been searching for alternative ways to cover our hotel stays.

Last edited by pashber; Jul 4, 13 at 2:45 pm.
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Old Jul 5, 13, 8:35 am   #1140
 
Join Date: Feb 2009
Posts: 505
sorry, posted to wrong thread!

Last edited by brownie20; Jul 5, 13 at 10:57 am. Reason: wrong thread
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