Aug 2, 2022, 2:59 pm
C1 application process (all cards)
Nov 14, 2021, 7:42 pm
#47
Join Date: Jan 2013
Location: Austin, TX
Posts: 169
similar situation
I was instantly approved with an 810 credit score and almost two dozen open cards, low single digit credit utilization. Only one new card in past 18 months, and I am (now that I’m approved) at 3/24. One more data point. I buy into the theory that they are going easy on points and miles enthusiasts to suck us in from Amex and CHase. I did have one existing card with Cap One, one of my oldest cards that I don’t use for regular spending but have a small recurring monthly payment on. I’m sure that helped.
800+, ~20 open cards, 3/6, 4/24. ~8k monthly spend (mortgage + other) , no MS, no balance.
What would be the prognosis?
Last edited by ddjen11; Nov 14, 2021 at 7:53 pm
Nov 14, 2021, 7:56 pm
#48
Join Date: Jan 2013
Location: Austin, TX
Posts: 169
Nov 15, 2021, 12:39 am
#50
Join Date: Oct 2015
Posts: 226
Well, yes i use this strategy from time to time - about to do this for Amex. That said, it is because amex IS sensitive to mo for subs. Wouldn’t have enough left on the prepaid pax front to cover the high spend.
Nov 15, 2021, 2:57 pm
#51
Join Date: Jul 2016
Location: ORD
Programs: Hyatt Globalist, IHG Platinum, Bonvoy Platinum, Hilton Gold - cheapass economy flyer!
Posts: 241
I was auto-denied (6/24 but with biz cards also) for Venture X, for having too many revolving lines of credit (ahem). I called the customer service line for reconsideration, the gentleman wrote down my basis for wanting the card, and said I'd hear back within a few weeks. I immediately received another email informing me that I had been denied and they knew I was disappointed. I did not receive multiple emails from Experian etc. informing me that someone checked my credit, so apparently Cap1 was sure enough of the denial that it saw no need to run my credit again. I guess that's good...
Nov 15, 2021, 8:39 pm
#52
Join Date: Jan 2013
Location: Austin, TX
Posts: 169
I was auto-denied (6/24 but with biz cards also) for Venture X, for having too many revolving lines of credit (ahem). I called the customer service line for reconsideration, the gentleman wrote down my basis for wanting the card, and said I'd hear back within a few weeks. I immediately received another email informing me that I had been denied and they knew I was disappointed. I did not receive multiple emails from Experian etc. informing me that someone checked my credit, so apparently Cap1 was sure enough of the denial that it saw no need to run my credit again. I guess that's good...
Nov 16, 2021, 1:50 pm
#54
Join Date: Sep 2019
Posts: 143
C1 application process (all cards)
I was auto-denied (6/24 but with biz cards also) for Venture X, for having too many revolving lines of credit (ahem). I called the customer service line for reconsideration, the gentleman wrote down my basis for wanting the card, and said I'd hear back within a few weeks. I immediately received another email informing me that I had been denied and they knew I was disappointed. I did not receive multiple emails from Experian etc. informing me that someone checked my credit, so apparently Cap1 was sure enough of the denial that it saw no need to run my credit again. I guess that's good...
Same thing happened to me. I called and the rep was very nice but before I even hung up the phone got another denial but no additional credit pull. The same too many revolving lines of credit. I have never had issues with Amex or chase. - credit score 750-800, never delinquent and annual salary approaching 7 figures
Go pound sand - I will take my business elsewhere
Nov 16, 2021, 3:07 pm
#55
Join Date: Jul 2016
Location: ORD
Programs: Hyatt Globalist, IHG Platinum, Bonvoy Platinum, Hilton Gold - cheapass economy flyer!
Posts: 241
Nov 16, 2021, 5:20 pm
#56
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
Same thing happened to me. I called and the rep was very nice but before I even hung up the phone got another denial but no additional credit pull. The same too many revolving lines of credit. I have never had issues with Amex or chase. - credit score 750-800, never delinquent and annual salary approaching 7 figures
Go pound sand - I will take my business elsewhere
Go pound sand - I will take my business elsewhere
Last edited by UA Fan; Nov 16, 2021 at 5:49 pm
Nov 16, 2021, 7:07 pm
#59
Join Date: Feb 2018
Location: Flyover Country
Programs: Hilton Diamond, Free Range Airline Chicken
Posts: 202
I was instantly approved. I have over twenty cards open, and at least half a dozen are regularly used. I had one new card in the Spring, but otherwise have no new cards for over a year. One thing that might have helped me is that I have another C1 card that has been open for over twenty years with a perfect payment history. To ensure it is seen as active, I have a small monthly fee charged to it, and occasionally put a larger charge or two on it. That may have helped me.
Last edited by Mike B; Nov 16, 2021 at 7:14 pm
Nov 16, 2021, 10:52 pm
#60
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
I'm wondering if it has to do with overall revolving credit potential. I'm not sure people want to post that here, but while it could be related in part to the number of cards, it could be the total open credit, which can be pretty large with only a few cards.
