Originally Posted by
gpapadop
Got Southwest card in August and Chase Sapphire card earlier this year along with the BA card (2nd time which was immediately canceled after I was told a no go for another 100k). Chase initially declined me for the SW card. I had to sacrifice/cancel my long held seldom used Amtrak card for them to approve me for the SW card. I think I will not be approved for this UA card so soon as I am somehow "in their radar" as frequent cc bonus earner (have had many Chase cards over the years).
SW card has 20k credit limit. If I lower it before applying, does it count as a hard pull? Or leave it alone and use that as leverage if they initially turn me down?
What to do? Lay low or give it a shot?
I would keep the 20K limit on the SW card. If you get turned down, call the recon line (# in the reject letter) and ask them to move some of the SW CL (10K may be a good amount) to the new card. Let them know that you want the UA card since you plan to fly UA/CO instead of SW should they ask why you want the UA card.
Note: I have been successful in getting a couple acceptances for my wife by calling the recon line in the letter (BA 100K, CO 50K) when she was orginally turned down. The first time, she had to close out the UA card. The 2nd time, we reallocated part of the CL on one of the cards to her new BA card.