[Expired 2009 offer]100,000 miles for new BA Chase VISA
Nov 17, 2009, 7:22 pm
#736
Join Date: Sep 2003
Location: Here Today Gone Tomorrow
Programs: NW Silver, CO Silver,SPG Gold, USMint Presidential, Chase/BA 100k, Airtran Wendy's cups
Posts: 815
Here is the scoop:
-Fico 724
-College Student
-Chase CC holder for 2 years, always pay in full, never late
-Chase doubled my limit over the course of the 2 years, without my request
-Household income 85K, Chase customers for many years
My banker back home was encouraging me to apply for a 2nd card several months ago and told me that he would personally request a reconsideration if I was denied (I didnt apply because there was no signup bonus
) I will ask him to send a letter when I fly home next week.
-Fico 724
-College Student
-Chase CC holder for 2 years, always pay in full, never late
-Chase doubled my limit over the course of the 2 years, without my request
-Household income 85K, Chase customers for many years
My banker back home was encouraging me to apply for a 2nd card several months ago and told me that he would personally request a reconsideration if I was denied (I didnt apply because there was no signup bonus
) I will ask him to send a letter when I fly home next week.You have 7083 monthly income. Whats your monthly debt. If it exceeds 40-50% (depending on chase's policy) you will be denied. Don't forget to add the projected payment of the new card your applying for. Your denial letter will tell you the reason. Mine said "Too many credit or loan accounts have been opened recently."
Nov 17, 2009, 7:24 pm
#737
Join Date: Jul 2007
Location: Expat in SIN
Programs: UA Plat, TK Gold, *G
Posts: 1,452
Nov 17, 2009, 7:31 pm
#738
Join Date: Jun 2002
Location: Smellington, NZ
Programs: AA EXP 2MM, UA 2P, Marriott LTPP
Posts: 1,453
I got rejected due to too many inquiries. FICO score > 750, HHI > $100k, DTI is about 18%. It's just as well as I still have about $10k I need to put on two different SPG amex cards to get the combined 30k bonus. I'll reapply for this one after I hit my spend targets on the SPG cards.
Nov 17, 2009, 7:33 pm
#739
Join Date: Sep 2003
Location: Here Today Gone Tomorrow
Programs: NW Silver, CO Silver,SPG Gold, USMint Presidential, Chase/BA 100k, Airtran Wendy's cups
Posts: 815
Nov 17, 2009, 7:36 pm
#740
Join Date: Jul 2007
Location: Expat in SIN
Programs: UA Plat, TK Gold, *G
Posts: 1,452
Does it matter if a Chase banker asks for reconsideration or if you just type the letter yourself?
Nov 17, 2009, 7:37 pm
#741
Join Date: Sep 2003
Location: Here Today Gone Tomorrow
Programs: NW Silver, CO Silver,SPG Gold, USMint Presidential, Chase/BA 100k, Airtran Wendy's cups
Posts: 815
I got rejected due to too many inquiries. FICO score > 750, HHI > $100k, DTI is about 18%. It's just as well as I still have about $10k I need to put on two different SPG amex cards to get the combined 30k bonus. I'll reapply for this one after I hit my spend targets on the SPG cards.
Nov 17, 2009, 8:04 pm
#742
Join Date: Oct 2008
Location: LAX
Programs: UA 1K , Delta Gold
Posts: 114
the offer is dead ?
Nov 17, 2009, 8:08 pm
#743
Join Date: Jul 2007
Location: Expat in SIN
Programs: UA Plat, TK Gold, *G
Posts: 1,452
Nov 17, 2009, 8:28 pm
#744
Join Date: Sep 2003
Location: Here Today Gone Tomorrow
Programs: NW Silver, CO Silver,SPG Gold, USMint Presidential, Chase/BA 100k, Airtran Wendy's cups
Posts: 815
It better to have a banker go to bat for you. Never send a letter unless you are sending it to a high ranking VP. You should be calling the 800 number on the letter and plead your case.
Nov 17, 2009, 8:31 pm
#745
Join Date: Feb 2009
Location: SEA
Programs: Alaska MVPG 100K, IHG Ambassador, Hilton Diamond, Hyatt Globalist, Marriott Titanium
Posts: 1,704
* One partner airline only (not British Airways)
* British Airways plus a partner airline
* Two or more oneworld...
AS is not a Oneworld partner, so the third option will not work. The actual experience may be difference. Anyone has done that?
+1. I also notice JL has more availability from YVR rather than from SFO and LAX. I do not know why. Being from Seattle and considering it is a free ride (except for some taxes and charges), I shouldn't complain going to YVR.
Nov 17, 2009, 8:33 pm
#746
Join Date: Feb 2009
Location: SEA
Programs: Alaska MVPG 100K, IHG Ambassador, Hilton Diamond, Hyatt Globalist, Marriott Titanium
Posts: 1,704
No such thing. I look at 20-40 credit reports a day and I can tell you income is not in them. 80% of the time they don't even list your employer. How would the credit agencies know how much you make. You were denied probably due to DTI. You didn't state enough income to support all your reported debts.
Nov 17, 2009, 9:31 pm
#747
Join Date: Oct 2008
Location: Austin, TX
Programs: IHG Spire Elite, Marriott Titanium, AA Plat, WN A-List Preferred
Posts: 267
Basically, I think normal practice is for it to be charged immediately and no one really has any clue whether it will or won't be waived (even if the agents are saying so, I'm not sure they are basing that on anything except it not having been charged right away).
Nov 17, 2009, 11:09 pm
#748
Join Date: Sep 2009
Programs: AA Gold, 1MM; Hyatt Explorist; MR Gold; HH Diamond
Posts: 535
Never give up!
I was denied the first 2 times (1 on the initial application and 1 phone denial), but I remained persistent and was finally approved for the card on the 3rd try. I first found out that I was denied by calling the 1-800 number, so I then called a lending rep and explained my situation to him. He sent my application in for reconsideration, but was denied again after a couple day. I called up once again and talked to a very friendly lady who sent in a 2nd reconsideration (she told me that reps say they aren't allowed to do this, but in actuality they really can) with an approval request for me. The next day I was approved for the platinum card! Don't give up, just keep calling until you find the right rep to give you the card.
I think I was having trouble because of my 6 hard inquiries in the last 4 months.
I think I was having trouble because of my 6 hard inquiries in the last 4 months.
Last edited by rendezvous; Nov 17, 2009 at 11:15 pm
Nov 17, 2009, 11:15 pm
#749
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
Upthread there is a post about the agent informed the poster the clock (of 93 days) started when the account is OPEN - which is obviously earlier than the activation date.
From previous Chase cards experiences, the statement date USUALLY tied to Application Date, but not 100%. For sure it has NOTHING to do with activation date.
Nov 17, 2009, 11:28 pm
#750
Join Date: Sep 2009
Programs: AA Gold, 1MM; Hyatt Explorist; MR Gold; HH Diamond
Posts: 535
Your application date most likely.
Upthread there is a post about the agent informed the poster the clock (of 93 days) started when the account is OPEN - which is obviously earlier than the activation date.
From previous Chase cards experiences, the statement date USUALLY tied to Application Date, but not 100%. For sure it has NOTHING to do with activation date.
Upthread there is a post about the agent informed the poster the clock (of 93 days) started when the account is OPEN - which is obviously earlier than the activation date.
From previous Chase cards experiences, the statement date USUALLY tied to Application Date, but not 100%. For sure it has NOTHING to do with activation date.