Originally Posted by
billybayswater
Was approved for a second MP Explorer card (got the bonus on the first one about 26 months ago and closed before the annual fee hit), but it was difficult. Currently have the CSP (opened 2 years ago), Freedom (3 years ago), Hyatt (in September) and BA (a couple of months ago). Of these, the CSP is the only card I really use, but spend is fairly low. Also, opened the Citi Prestige in early April and another US Airways card sometime in January or February.
After the application it was pending review and I called recon and was told after review a senior credit analyst would need to review. Called a few days later and got the same answer. Requests to reallocate credit were mostly ignored--someone else had to look at the app. Had about 65k in credit with Chase at the time.
I was eventually approved at 15k, but it took around 10 days. I have relatively high income (~170k) and a J.P. Morgan Private Bank account, which may have helped, but I think I'm at the ceiling with Chase and will not be able to open another card for awhile.
Thanks billybayswater for your data point, this is very helpful. I wonder after the associate ignored your request to reallocate, how they end up approving your card? Is it after they sent your application for a senior analyst to review?
Some data point of mine to share. I just applied the UA personal and Ink last week and few days later already got the denied letter stating that too many requests in past. I was surprised as I don't usually get the letter so soon, it seems the process tightened and they can quickly reject applications. I still haven't received a denied letter for the Ink application, don't know if that's a good sign or it just takes more time.
Now after reading the posts I worried to call and get the reject message again. Thanks billybayswater for your success story and I am hoping to learn what you did so that I may do the same and get approval for the UA card also.
Thanks very much for any tip and help
