Originally Posted by
jetbridgejesus
applied for csr biz despite being 6/24 personal and 9/24 w biz cards. Got approved after email "we'll reach out to you" or whatever. Confirmed biz name, email and address. then approved me for measly 10k minimum. Surprised I got approved. CPC. with 3 biz (now 4 biz cards) 2 personal. Investments w chase as well. Makes me wonder if 5/24 is even a thing if you already have chase biz cards. They did do a hard pull.
Originally Posted by
jetbridgejesus
I just approved for csr biz at 6/24. 9/24 if including non reported biz cards.
nice work. happy u got approved. but wat were ur stats going in? new accnts + HP for x/6 x/12 6/24?
6/24 doesnt seem too high but depends on dates. hence asking for stats.
9/24 biz could matter but i assume all 9 are NOT chase biz? but wat about the HP from those biz apps? gonna assume chase didnt see a good chunk of that.
Originally Posted by
jetbridgejesus
Not really using my biz cards much. dormant after bonus. I get some deposits into my biz account but not much. CPC with lots of deposits. Self directed investments in mid 6 figs. Was also just declined for personal chase Marriott card last week. IMO I think theyre stretching approvals a bit w csr biz approvals. but who knows.
surprised to see this DP. wat were the rejection reasons? 5/24? assuming ur stats were the same w/ CSR biz app? also assuming u got 2 x HP?
yes, chase biz approvals are def YMMV vs personal criteria + PUJs. 5/24 is also no longer consistently applied but its still a thing. and used esp for cobrands. but its not the same as before and new card launches tend to have way more flexibility w/ approvals. that is why detailed DPs are needed.
Originally Posted by
MDtR-Chicago
I think there may be something to the theory that the CSR Business card is easier for approvals than other Chase business cards.
Previous to this card, the only way I could get approved for any Ink was to have no more than 2 open Chase business cards of any kind and also proactively lower credit limits before applying.
This time, I had 3 open cards (Marriott, CIU, CIC), one of which had a credit line well in excess of minimums, and I was instantly approved with my highest Chase business credit line ever.
Rumor is that the 200k SUB offer is going away in the morning, so this might be a good time to try an application if you're on the fence about it.
(At 3/24 right now, so not a test of that limit...)
nice. happy u got approved. wat were ur stats going in? new accnts + HP for x/6 x/12 3/24?
its not just a theory. there has been very clear DPs showing way more flexibility w/ approval criteria for the new CSR biz vs INKs.
and before the INK train went under lifetime rule, chase made approvals much stricter w/ limits. and it did matter how many other chase biz cards u had open.
http://www.doctorofcredit.com/report...d-applications
see this DP thread:
http://www.reddit.com/r/churning/com...aset_fall_2024
Originally Posted by
dhuey
Same boat for me, regarding an application for my wife. I'm not optimistic. Didn't work for us with Ink Preferred. Our credit scores are high, but I think we are on their churners list.
Oh well, it was a fun run while it lasted. I think we'll have to move our churning activities over to Citi or Capital One.
any updates? also, wat were the rejection reasons for CIP? wat were ur stats going in? new accnts + HP for x/6 x/12 x/24? did u have other chase biz cards open?
Originally Posted by
Thunderroad
I applied for CSRB at nearly last minute yesterday and got 7-10 day notice. 800+ rating, under 5/24. long history with many Chase cards. Closed 2 of my 4 Ink cards last year. No Chase applications in last couple of years. But successfully applied for Citi and BofA cards a couple of months ago. So not optimistic.
any updates? also, wat were ur stats going in? new accnts + HP for x/6 x/12 x/24?
Originally Posted by
mhr1
Applied for a Chase INK card. Didn't realize I still had all my credit bureaus frozen. To my suprise the card got approved - no hard pull.
I do have multiple other chase cards and also had 1 business cards. But it seems that chase is not doing a hard pull anymore in certain cases.
surprised to see this DP but i have seen similar reports. no PUJ? wats ur INK history? did u have any INKs open during app?
but happy u got approved. wat were ur stats going in? new accnts + HP for x/6 x/12 x/24?
Originally Posted by
buylowsellhigh
Applied for CSRB today. Currently at 1/24 personal (for a mortgage), no new cards opened for 2-3 years. 20 year business with low 8 figures a year of sales. No instant approval, got the 7-10 day message (I do have a fraud notice on my credit report). Credit inquiry came in instantly. Waiting game begins.
Originally Posted by
buylowsellhigh
Day 0 - Online Application. On screen showed 7-10 days, Emailed me a 7-10 day notice. Instant credit pull.
Day 1 - Called "Recon" line auto message said 7-10 days, hung up without pressing 0.
Day 2 - Received call from Chase asking for more info, some of it repeats of online app, some of it new questions. They asked for company's net income but i did not have that info on me. Was placed on hold but got disconnected.
Day 3 - Called "Recon" line auto message said 7-10 days, i pressed 0 and told an operator i got disconnected. Operator checked and only asked 1 question, which card I want to allocate from. They identified a sparingly used card and asked said they can lower that limit $15k. I was then told the application will continue to process, expect to hear back soon.
Originally Posted by
buylowsellhigh
Maybe its the norm now for fraud prevention. I have 9 amex business and 4 chase business cards even applied using the existing login and this is the first time for me.
Edit: I did also get nailed multiple times with identity theft in the last 3 years. Clean credit history (all removed) but it does have a fraud alert.
any updates?
ur fraud alerts will always prevent instant approvals and put eyes on ur accnts.
luckily, u have very low stats and sounds like chase is willing to work w/ u vs straight rejection. moving CL from another card is a good sign.
also, u already have 4 chase biz cards? which ones? its good to see no issues from that.