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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

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Nov 7, 2014, 3:50 pm

#2656

Punjabi312

Join Date: Aug 2014

Posts: 13

Quick Question:

Listed Below Chase UA MP Card re 50K bonus
This new cardmember bonus offer is not available to either (i) current cardmembers of this business credit card, or (ii) previous cardmembers of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months.

I cancelled my card around 20 months ago because I did not want to pay the annual Fee.

What is likelihood of me getting the initial 50K bonus if I applied again.

The reason I am thinking of applying for the card again because I have Christmas Shopping, which will satisfy the initial charge needed to get the Bonus

Thank you

Nov 7, 2014, 4:39 pm

#2657

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by Punjabi312

Quick Question:

Listed Below Chase UA MP Card re 50K bonus
This new cardmember bonus offer is not available to either (i) current cardmembers of this business credit card, or (ii) previous cardmembers of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months. I cancelled my card around 20 months ago because I did not want to pay the annual Fee. What is likelihood of me getting the initial 50K bonus if I applied again. The reason I am thinking of applying for the card again because I have Christmas Shopping, which will satisfy the initial charge needed to get the Bonus

No reason to wonder or chance it. Contact Chase, explain your situation and ask if you will qualify for the bonus should you reapply now and be accepted. It would be good to document their response.

Nov 7, 2014, 5:20 pm

#2658

Happy

FlyerTalk Evangelist

Join Date: Jul 2003

Location: Florida

Posts: 29,763

Quote:

Originally Posted by Punjabi312

Obviously you meet condition i), if you also meet condition iii) which is very clearly stated - then you WILL get the bonus. Chase does not care you have had a bonus before, as long as the previous bonus is received MORE THAN 24 months ago.

Dont know why there is still confusion and apprehension on this front when Chase now makes it very clear in writing - 2 conditions must be met, and once they are, no need to ask Chase. If you still feel the need, then go ahead but the answer would 100% hinged on the above conditons, so either you do or you dont meet both conditons, what is the need to ask?

Nov 8, 2014, 10:52 pm

#2659

RedTeam10

Join Date: Nov 2008

Posts: 143

Quote:

Originally Posted by SquarePeg

Adding a data point re multiple apps w/ Chase. I applied for SW biz and personal on same day. The hard inquiries did not merge. Both are showing on Experian. YMMV.

Bummer... I am about to sign my wife up for both as well and was really hoping for only one HP for her.

Does the order in which I apply for the cards matter? She does have a legitimate business, however she is taking some time off since we have a new baby so the income is going to be quite low. I would like to avoid the reconsideration line if at all possible

Nov 9, 2014, 3:52 pm

#2660

best

Join Date: Mar 2000

Posts: 5,651

Any new experiences with the Chase turn down with "prior unsatisfactory experience" which they refuse to explain ?

Nov 13, 2014, 7:45 am

#2661

newbynewbynew

Join Date: Nov 2011

Posts: 450

if you get the "you will be notified of our decision in approximately two weeks" message and then it changes to “Application is being reviewed. We will notify you in 7-10 days”, assuming that means a declined app?

Nov 13, 2014, 4:24 pm

#2662

travel light

Join Date: Sep 2009

Programs: Far too many

Posts: 315

Quote:

Originally Posted by RNE

Shouldn't matter. I'd go ahead and apply if I were you.

Would your answer be the same if the business card was applied for ten days ago?

Nov 13, 2014, 6:05 pm

#2663

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by travel light

Would your answer be the same if the business card was applied for ten days ago?

Yes.

Nov 14, 2014, 3:20 pm

#2664

cakelover

Join Date: Feb 2011

Posts: 27

Does anyone know that how far apart if I want to apply for more than one Chase credit card? In Citibank Wiki section, it lists the days to wait to apply for 2nd or 3rd, etc. How about Chase?

Nov 14, 2014, 8:26 pm

#2665

mastermind85

Join Date: Aug 2012

Posts: 467

Denied for SW Business due to the amount of revolving credit lines opened up in the past year (11 overall, 9 are non-AU). Is that really that many? Had it reviewed over the phone. Any excuse I can use to get this reconsidered? I need the Biz before the end of the year...

Nov 15, 2014, 4:50 am

#2666

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by mastermind85

Yes, that's really a lot of newly opened cards. You can call every hour and ask for a reconsideration, but what you need is a convincing argument for why your business requires the SW card in particular! As a last resort, you could offer to close some of your cards.

RNE, wishing you luck; you'll need it.

Nov 15, 2014, 10:10 am

#2667

mastermind85

Join Date: Aug 2012

Posts: 467

Quote:

Originally Posted by RNE

How do other people larger aors then me then if I averaged about 4 per (citi execs were most of them) ? The 9 cards are not all chase (maybe 3 are chase) but they definitely looked at all my cards, not just chase.

Nov 15, 2014, 12:33 pm

#2668

SquarePeg

Join Date: Oct 2012

Location: BOS

Programs: MR, UR, AA, AS, HH Gold, SPG Gold, HGP, RR

Posts: 708

Quote:

Originally Posted by newbynewbynew

Yes, you'll need to call.

Nov 15, 2014, 12:42 pm

#2669

SquarePeg

Join Date: Oct 2012

Location: BOS

Programs: MR, UR, AA, AS, HH Gold, SPG Gold, HGP, RR

Posts: 708

Quote:

Originally Posted by mastermind85

I was given this same denial reason (number of inquiries, number of new accounts) and was asked why I was seeking so much credit. I replied that I was not seeking credit as she could see that I had plenty of credit lines available and that my usage was very responsible. I explained that I had applied for various cards the previous year because I was interested in the useful benefits being offered like hotel status, free checked bags, no foreign transaction fees etc. Be sure to point out your perfect credit history and existing relationship with Chase (if you have one). I was approved for the biz and personal.

Nov 16, 2014, 12:45 pm

#2670

Carl Christensen

Join Date: Apr 2014

Programs: Hilton - Diamond, IHG - Spire Amb

Posts: 901

data point on applications

5 current personal chase cards = 39k. 2 applied for this year
1 business (ink plus) 15k.

Last app 2 weeks ago for british avios.

applied for chase saph perf, got 'your app is being reviewed'. Immediately called, gave info, reviewed, more questions about old lines not being used and I offered to transfer some balance from old one to the new on (told them give me 10k on new card and you can take 7500k from old card).

Told hp in last 6 months= 8