Totally agree. Chase also doesn't like it when people do the minimum spend, then put the card into their sock drawer and stop using it. He should put regular daily spending on it if he wants to look good to Chase six months from now.
In answer to your other question (OP) about how long the banks look at past inquiries, the
answer is that they look basically at the past year, which doesn't mean you have to wait a whole year to try again, but be at least somewhat aware of how many inquiries you've had.
(You can get a free copy of your relevant credit report within 60 days of any denial (or really credit decision, since the reporting agency only knows there was an inquiry, not a denial) -- Chase usually pulls Experian, and you can find the link on their website under the FAQs.)
Originally Posted by
Happy
Chase is giving your husband a chance to prove himself to the bank that he is credit-worthy. And you think they should give your husband more cards just because the bank is willing to start a "trial" so to speak?
Credit history takes time to establish and a slew of new applications from someone who has very little credit history before may not help his case.
He needs to put some day to day charges on his shiny new Chase card and thus establishes his payment history with the bank. After a period of time (no specified rule here), he should be able to get another Chase card easier. But he has to show Chase he is a good risk for the bank first.