duranza

http://www.flyertalk.com/forum/chase...solidated.html
check the Wiki.. half way down...

zippy the pinhead

Applied using the link in the wiki on 7/17/2014; 80K points just deposited today, even though the first statement hasn't even closed yet. Coincidentally I had sent a payment (via ACH push), which I intended to shake the points loose, but I don't think it has hit yet so they are probably unaware of it.

msp3

Applied through wiki, got 80,000 bonus this (2nd) statement. Met minimum spend kinda late on the first billing cycle.

Brugge

Yes, I have seen this in that Wiki:

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

But it is out of date. Chase now has a published policy, at least on some cards, that to earn a second bonus one must apply at least 2 years after receiving the first bonus.

But that only applies to the time period between apps, not the time period after canceling. Last Feb I got a second SW cc, and the full bonus, having only waited 6 months after canceling the first SW card. But more than 2 years after getting my first bonus.

Still I'm not certain that's a valid data point any more, since Chase has now clarified part of their policy, as stated above. But as far as I know, they have only clarified the between bonus time period, not the after canceling time period. So maybe it doesn't matter any more. Or maybe it's YMMV?

Happy

Chase changes the rule to use the clock from last time getting the bonus and the clock is a long one, 24 months. I would not worry about when the card is canceled as long as you do not have the card when you reapply.

Brugge

I got my bonus well over 24 months ago. The card is still open. Your thinking is that I can cancel it now, and reapply in a few weeks while the enhanced offer is still on, and get the bonus?

Happy

Read up thread and find this data point - some one canceled his Visa and applied his MC the next day. He initially had some issues with Chase but he prevailed.

NOTE: The card the poster canceled was a VISA.

If yours already converted to an MC, you might need to give it some rest which no body could know how long unless some one tries it. Though I would guess that it is better to give it at least 30 days or more time lapse. The last thing you want to see is Chase REOPEN your canceled card which the bank could do if the previous card is only closed for 30 to 60 days.

beltway

I've updated the wiki in the master Chase Applications thread to reflect our current understanding.

I would give it a minimum of a week or two. Otherwise, one risks having an app rejected because one part of the Chase system isn't fully up to date & still shows the previous card as open instead of closed. Yes, one could try calling recon if that happens, but historically Chase has been tough on obvious churners (unlike Citi, whose CSRs are openly indifferent to identical open cards held by the same customer).

SPLP007

I had a Freedom for a few years -- when i saw new rule I CANCLD and APPLIED next day -- got bonus

At same time cnld a UA card -- opened new UA did not get bonus as I had BONUS 13 MONTHS AGO --I was told this in a sm --- never did the spend

Brugge

Excellent data points. Thanks so much. ^

hightide

I knew this was coming! This is my first time applying for any IHG. Chase cards applied for (all instantly approved) within the past 12 months: Hyatt (Nov '13), United (Jan '14) and Ink Plus (Apr '14).

"Learn what we're doing to help keep you secure.
Please call us as soon as possible at U.S. 1-800-527-7419 or International 1-302-594-8200 Mon-Sat 8am-10pm ET and Sunday 10am-9pm ET to discuss your application with a Customer Support Specialist.

Please reference # when you call.

You are nearly finished! As a loyal cardmember, it's important that we meet your purchasing needs.
We just have a few more questions regarding your request for credit.

We look forward to speaking with you."


Anyone got this message recently? What would you suggest me to say? Thanks in advance!

zippy the pinhead

It probably means they have given you all the credit they can comfortably extend, and want to speak with you about redistributing the various amounts allocated to your existing lines in order to carve out some room for the new card you're requesting. Just call them.

hightide

Thanks
Just rang them. He rep first verified my past addresses (have a couple of them) etc then approved me right away by moving credit from an existing line.

Now how do I get them to match the 80k miles? (I only got 60k)

HiYoSilver

Similar to what they told me this morning, though in my case Chase's concern was my "ability to pay" (ratio of all income to all debts). I applied yesterday and they pulled Experian. I called in and was told denied, mostly because my wife and I own two houses with mortgages. The rep said they looked at my income only, but both mortgages, because both show on credit report. Anyway, I asked the rep to add my sole proprietor business income. Although it is not much, it was enough to improve that ratio to get an approval.

They only gave me $2k CL (smallest have I ever gotten). CSR said I could get it increased without another pull by calling in to consolidate another Chase card (close and move the credit line over). Not a big deal for me as I don't plan on using this card for everyday spend. I got it mainly for IHG platinum status, more points for paid stays and the annual free night cert.

Bottom line: approved for 80k points after $1k spend. Thanks to all of you for this thread, and the other Chase threads!

HiYoSilver

Did you use the "new Mastercard application" link in the Wiki?