Sep 4, 2015, 8:47 am
Last edit by: beltway
This thread is now archived. For ongoing discussion and the current/updated wiki, see Applying for Chase Credit Cards, 2017 onward. For the archived predecessor thread, see Applying for Chase Credit Cards- Archived 2008-5/2015
Archived: Applying for Chase Credit Cards- May 2015- Jan 2017
Jun 30, 2015, 10:42 am
#751
Join Date: Jun 2015
Posts: 132
Best Time to Apply for New Card
I'm considering applying for either the Chase Ink Plus or the CSP.
Maybe a crazy question...Is there a better chance of immediate online approval if you apply during regular working hours, or during non-regular working hours?
I have a Chase Freedom VISA Sig. opened 8 years and 827 FICO.
.
Maybe a crazy question...Is there a better chance of immediate online approval if you apply during regular working hours, or during non-regular working hours?
I have a Chase Freedom VISA Sig. opened 8 years and 827 FICO.
.
Jun 30, 2015, 11:01 am
#752
Join Date: Feb 2014
Location: LAX
Programs: United Silver, Marriott Lifetime Titanium, Hilton Diamond, IHG Diamond
Posts: 988
Sounds like you should just apply. Unless you opened a lot of cards recently, you seem like the type that would easily be approved
Jun 30, 2015, 11:17 am
#754
Join Date: Jun 2015
Posts: 9
Thanks! Was actually planning on delaying the AoR until 91 days after my last two apps, but the Freedom offer was ending and the Platinum offer (via snailmail) was expiring even sooner. It ended up working out well.
Amex Plat was 100k for 3k/3mo, so lower than the standard offer/spend. Luckily there's a promo going on right now in my area for $500 VGC that basically allows me to MS what I need to with a decent profit (before considering points earned on the MS). Also, I had some other decent sized purchases/expenses to help (new mattress, auto insurance).
I've learned a lot from FT and hope to be able to contribute some in the future!
Amex Plat was 100k for 3k/3mo, so lower than the standard offer/spend. Luckily there's a promo going on right now in my area for $500 VGC that basically allows me to MS what I need to with a decent profit (before considering points earned on the MS). Also, I had some other decent sized purchases/expenses to help (new mattress, auto insurance).
I've learned a lot from FT and hope to be able to contribute some in the future!
Jun 30, 2015, 11:19 am
#755
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
^ Great, things aren't as glum on the Chase Personal front as I had thought. Thanks for posting that.
Jun 30, 2015, 12:03 pm
#756
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,576
I still think the key is reduced limits and auto approval (similar to Barclay) for best chance and was thoroughly surprised it was auto approved because of the hefty AOR less than 3 months ago.
Jun 30, 2015, 4:12 pm
#760
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
I am putting on a conference later this year at a Hyatt property and thought i'd get the credit card to maximize points earning potential. So I applied for the Chase Hyatt card.....
Today, I get the decline letter with reasons given:
Too many credit accounts in relation to my income
They have already extended all of the credit that they can to me
I'm torn as to whether I want to ask for reconsideration. I've never been declined before, so I was kind of surprised.
Also, I could pull credit off the Marriott or Sapphire card and put it on the Hyatt card.
Today, I get the decline letter with reasons given:
Too many credit accounts in relation to my income
They have already extended all of the credit that they can to me
I'm torn as to whether I want to ask for reconsideration. I've never been declined before, so I was kind of surprised.
Also, I could pull credit off the Marriott or Sapphire card and put it on the Hyatt card.
Jun 30, 2015, 6:56 pm
#761
FlyerTalk Evangelist
Join Date: Apr 2009
Location: Bye Delta
Programs: AA EXP, HH Diamond, IHG Plat, Hyatt Plat, Marriott Plat, Nat'l Exec Elite, Avis Presidents Club
Posts: 16,264
Jun 30, 2015, 8:00 pm
#762
Join Date: Feb 2014
Posts: 188
Data: Instant approval for Chase IHG card for $29,000. Two open Southwest cards and open Ritz Carlton. Lowered my credit limit on all 3 existing cards more than a month ago.
maybe a dozen inquiries in last 12 months.
Adding to my data point above: after my IHG instant approval, I got an Amex instant approval. Then decided what the heck for another Chase app, since the hp's will be merged.
Shockingly, was instantly approved for the 2nd card (BA 50k offer) with another $29k credit line...
maybe a dozen inquiries in last 12 months.
Adding to my data point above: after my IHG instant approval, I got an Amex instant approval. Then decided what the heck for another Chase app, since the hp's will be merged.
Shockingly, was instantly approved for the 2nd card (BA 50k offer) with another $29k credit line...
Last edited by cashcow; Jun 30, 2015 at 8:23 pm
Jun 30, 2015, 8:20 pm
#763
Join Date: Jun 2015
Posts: 3
6 Chase cards, 3 Chase cards in the last 3 months... so they definitely know about them. 2 of them in the last week and a half. Both after calling reconsideration and shifting credit.
Jul 1, 2015, 4:31 am
#764
formerly htang333
Join Date: Apr 2014
Location: Wi-Fi
Programs: Virtuoso, Top Ranked: Four Seasons (Top 25 Advisor), AMAN (Top 50), Rosewood, Hyatt Prive, etc.
Posts: 1,455
Agreed, esp since AF is now $125. I'll likely cancel my CSP this year as I don't see enough benefits to pay AF again (I kept it this year b/c I happened to be in the middle of a trip delay claim when AF came up).
CSP has excellent travel insurance coverage, but last I checked several other Chase cards offer the same benefits (or similar enough - the big one for me is coverage on award tickets, which only Chase cards provide).
I do hope TYP adds a few useful hotel partners.
CSP has excellent travel insurance coverage, but last I checked several other Chase cards offer the same benefits (or similar enough - the big one for me is coverage on award tickets, which only Chase cards provide).
I do hope TYP adds a few useful hotel partners.