May 17, 2013, 10:08 pm
Last edit by: beltway
This thread is now archived. For later discussion, see the threads starting at May 2015 (now also closed) and January 2017 (current, with updated wiki).
Applying for Chase Credit Cards- Archived 2008-5/2015
Jun 3, 2014, 5:36 pm
#2116
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
It's difficult to get more than one Chase business card. Not so with the personals. If you want to keep a card, you should put a little spending on it. Though perhaps that won't matter for your CSP application. I wouldn't keep any Amazon card open. But I'm biased.
Jun 4, 2014, 7:07 am
#2117
Join Date: Jul 2012
Location: PIT
Posts: 26
Hi all, I applied for the Chase southwest business and personal cards on Monday the 2nd. Got pending review for both applications. (Going to go for the CP.) I checked the automated numbers today and they are both still in pending review. Should I wait it out a couple more days or go ahead and call a rep? I do casual computer repair work on the side for the business that I've been doing for a few years now with ~$300.00 annual revenue. I also have a five year old amazon card with them that I occasionally use just to keep for AAoA. Last credit karma score was 785. I've been taking it pretty easy on applications as of late and my most recent was one AMEX card that I got instantly approved for in February.
Jun 5, 2014, 9:38 am
#2118
Join Date: Apr 2014
Location: ORD
Programs: AAdvantage, UA, Avios
Posts: 637
Churn and the cancel/keep card decision
Does a card have to be canceled to start the churn clock (if there is one) and is that reason alone to get rid of a card and throw away your bargaining token when applying for new credit with that bank?
Deciding on whether or not to hold MP card one more year considering I already paid the annual fee.
Deciding on whether or not to hold MP card one more year considering I already paid the annual fee.
Jun 5, 2014, 4:15 pm
#2121
Join Date: Feb 2003
Location: On strike
Posts: 8,134
Does a card have to be canceled to start the churn clock (if there is one) and is that reason alone to get rid of a card and throw away your bargaining token when applying for new credit with that bank?
Deciding on whether or not to hold MP card one more year considering I already paid the annual fee.
Deciding on whether or not to hold MP card one more year considering I already paid the annual fee.
Jun 5, 2014, 4:39 pm
#2122
Join Date: May 2014
Posts: 571
Jun 5, 2014, 9:21 pm
#2123
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,785
According to Credit Sesame, 2 HPs were made for 2 personal apps on the same day. This is the first we've experienced it. In each of the previous 3 times where we did this, only one HP was recorded. What's your experience recently?
Jun 5, 2014, 11:08 pm
#2124
Join Date: Aug 2013
Posts: 11
They pulled Experian and Equifax for me when I applied for the Ink Plus at the beginning of May. It was instant approval.
Jun 6, 2014, 3:31 am
#2126
Join Date: Feb 2013
Posts: 1,815
My husband and I have various offers on our cards and we do things the same.
Jun 6, 2014, 8:23 am
#2127
Join Date: Apr 2014
Location: ORD
Programs: AAdvantage, UA, Avios
Posts: 637
Jun 6, 2014, 9:47 am
#2128
Join Date: Apr 2014
Location: MDT
Programs: DL, AA
Posts: 390
This should be in a FAQ somewhere...
Inquiries are combined automatically by each bureau. However, they must be exact matches, down to the issuer's exact name and address.
Those two inquiries didn't combine because they are two different departments at Chase, and thus probably have different address or name details. If they were two personal cards, they probably would have combined.
Inquiries are combined automatically by each bureau. However, they must be exact matches, down to the issuer's exact name and address.
Those two inquiries didn't combine because they are two different departments at Chase, and thus probably have different address or name details. If they were two personal cards, they probably would have combined.
Jun 6, 2014, 10:49 am
#2129
Join Date: Aug 2013
Posts: 92
Chase Freedom denied? Any advice?
I applied for Freedom in branch last weekend. It was denied due to short credit history. I called in Recon line, verified some info, and got the reply that they still could not override the initial decision. Any advice on what kind of things should be said on Recon line? I'm a student with Citi Forward and BOA Secured for more than 6 months, always pay bills on time. Thanks!
Jun 6, 2014, 10:50 am
#2130
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,785
FWIW it was for Hyatt and Marriott this time (did not merge into one pull). Previously we had done BA + CSP (merged into one pull), SW + CSP (merged into one pull), and Marriott + AirTran (merged into one pull).