[Expired 2009 offer]100,000 miles for new BA Chase VISA
Nov 19, 2009, 4:41 pm
#841
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
So I got a letter today saying that the application was denied, and the reason it gave was "Income not supported by credit bureau data". It was my understanding that the credit report has no info about income, only info regarding your credit lines....so how could they possibly be able to give that as a reason?
Nov 19, 2009, 4:47 pm
#842
Join Date: Dec 2005
Location: NYC
Programs: SPG, AA, BA, CO, UA, US, B6, DL, Amex MR, HH
Posts: 1,009
Insufficient in terms of being able to have enough income to pay back everything listed on the credit report? Or insufficient in that they think that I lied when telling them my income?
Nov 19, 2009, 4:50 pm
#843
Join Date: Oct 2004
Location: BNA
Posts: 2,076
My brother and dad both got approved with very generous credit lines, but the message on the automated system now says that mine is under "review." I guess I should call that back door number? I have quite a bit of credit through Chase on other cards, so would be happy if they could reallocate some of it.
Nov 19, 2009, 5:03 pm
#844
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,089
12 days
12 days from app. date to received date. 
Anyone know, for sure, if US MINT coin purchases are still showing up as a "Purchase" or is it now a "Cash Advance"? That thread is closed.
Anyone know, for sure, if US MINT coin purchases are still showing up as a "Purchase" or is it now a "Cash Advance"? That thread is closed.
Nov 19, 2009, 5:10 pm
#845
Join Date: Jul 2003
Location: CT/ Germany - Ich spreche deutsch
Programs: UA 1K, Bonvoy LTTE, HH Dia, HY Expl
Posts: 4,657
Mine finally arrived today. Got the Signature version and agent confirmed both 50k miles options. When I asked about the annual fee being waived he said there was no note in the file but the account had not been charged the fee. (which is normally done when the card goes out) Will keep my fingers crossed that I too don't have to pay the annual fee for the first year.
Nov 19, 2009, 5:17 pm
#846
FlyerTalk Evangelist
Join Date: Dec 2004
Posts: 23,999
For those of you that were denied and are giving up, do you currently have any Chase cards? Did you try seeing if they would reallocate credit from a different card?
Nov 19, 2009, 5:18 pm
#847
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
So what's everyone thinking as far as when to cancel these?
360 days in to avoid the second year annual fee?
Some shorter period after the miles post, just to get it off their credit file for the next good opportunity?
Keeping it long term because the 1.25 miles is better than many other cards?
I'll probably take the second option as I just intend to charge my $2K and go back to my Schwab 2% Visa.
360 days in to avoid the second year annual fee?
Some shorter period after the miles post, just to get it off their credit file for the next good opportunity?
Keeping it long term because the 1.25 miles is better than many other cards?
I'll probably take the second option as I just intend to charge my $2K and go back to my Schwab 2% Visa.
Nov 19, 2009, 5:22 pm
#848
Join Date: Jul 2007
Location: Berlin
Programs: BA Gold; Accor Plat; IHG Diamond-Amb; Meliá & HH & Marriott Gold
Posts: 5,450
I don't think it can be quite as simple as that. A family member who was given that reason has an (actual and stated) income of $120,000 and current card balances below $5,000 with other credit and no negative credit history items.
Nov 19, 2009, 5:24 pm
#849
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,089
So what's everyone thinking as far as when to cancel these?
360 days in to avoid the second year annual fee?
Some shorter period after the miles post, just to get it off their credit file for the next good opportunity?
Keeping it long term because the 1.25 miles is better than many other cards?
I'll probably take the second option as I just intend to charge my $2K and go back to my Schwab 2% Visa.
360 days in to avoid the second year annual fee?
Some shorter period after the miles post, just to get it off their credit file for the next good opportunity?
Keeping it long term because the 1.25 miles is better than many other cards?
I'll probably take the second option as I just intend to charge my $2K and go back to my Schwab 2% Visa.
Nov 19, 2009, 5:29 pm
#850
Join Date: May 2004
Programs: AA Gold
Posts: 1,263
I will have to pay the $75 fee!
Husband & I were both approved and cards arrived today. When we called to activate the 50,000 miles for first purchase with 50,000 for $2000 spend were verified but we were both told that we would have to pay the $75 fee, even though I told him that I understood that fees were being waived. Any suggestions as to how to get the fees waived?
Nov 19, 2009, 6:05 pm
#851
Join Date: Sep 2007
Posts: 37
I am thinking about transferring $2000 from my PAYPAL premier account to personal account with this card as payment. Is it going to meet the second 50000 miles requirement? Also, is it going to show up as purchase or cash advance on my card?
Nov 19, 2009, 6:06 pm
#852
Join Date: Feb 2008
Posts: 940
Husband & I were both approved and cards arrived today. When we called to activate the 50,000 miles for first purchase with 50,000 for $2000 spend were verified but we were both told that we would have to pay the $75 fee, even though I told him that I understood that fees were being waived. Any suggestions as to how to get the fees waived?
Nov 19, 2009, 6:08 pm
#853
FlyerTalk Evangelist
Join Date: Dec 2004
Posts: 23,999
So the automated system said my application was under review, and I just called to see what the deal was. I got a Chase Mileage Plus Visa four months ago, which seems to be the issue. They offered to close my MP Visa and approve me for this one, though. Anyone have any experience as to whether they'd take away the UA miles they've already issued me, and also whether I'd receive the full sign up bonus for this card (I assume I would)?
Nov 19, 2009, 6:27 pm
#854
Join Date: Feb 2008
Posts: 940
So the automated system said my application was under review, and I just called to see what the deal was. I got a Chase Mileage Plus Visa four months ago, which seems to be the issue. They offered to close my MP Visa and approve me for this one, though. Anyone have any experience as to whether they'd take away the UA miles they've already issued me, and also whether I'd receive the full sign up bonus for this card (I assume I would)?
Nov 19, 2009, 6:31 pm
#855
FlyerTalk Evangelist
Join Date: Dec 2004
Posts: 23,999
Tread carefully. If you close your United Mileage card before 6 months, they will take away the UA miles from your account. This was stated in the T&C of the credit card, and I think I read somewhere that Chase had pulled people's miles from their accounts. You would be eligible for the BA miles though, if you've never had a BA card before (or maybe even if you had, but there has been some contradictory info posted here, so I can't be sure).