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
Nov 16, 2014, 1:43 pm
#2671
Join Date: Jan 2010
Location: CHI
Posts: 129
I would greatly appreciate some opinions regarding my recent apps.
I applied for 2 personal SW cards a few days ago. One was immediately approved with a high CL, the other had a pop-up asking me to call as soon as possible and gave a reference number. It was late and I decided to check the automated status the next day instead of calling. The auto status still says pending with notice expected within 2 wks, and does note that one of my 2 apps is approved.
My question is should I call in the regular recon line at this point (0625), or try to call the number that was in the pop-up message, or just wait it out and see what happens?
I did neglect to write down the number in the message, but from some research I think it's possibly the verification dept. at 800-527-7419.
I applied for 2 personal SW cards a few days ago. One was immediately approved with a high CL, the other had a pop-up asking me to call as soon as possible and gave a reference number. It was late and I decided to check the automated status the next day instead of calling. The auto status still says pending with notice expected within 2 wks, and does note that one of my 2 apps is approved.
My question is should I call in the regular recon line at this point (0625), or try to call the number that was in the pop-up message, or just wait it out and see what happens?
I did neglect to write down the number in the message, but from some research I think it's possibly the verification dept. at 800-527-7419.
Nov 17, 2014, 2:22 am
#2672
Join Date: Jan 2012
Location: Florida
Programs: Hyatt Diamond, Hilton Diamond, Club Carlson Gold, Choice Elite Platinum
Posts: 433
Ugh. I think I just made the worst mistake in history. Applied, received, met the spend for the 70K Chase Ink Plus. I left the country forgetting to put the payment on autopay. I just checked my account and my payment is 5 days late! I immediately paid the balance.
Does anyone have any experience with this? Did I just lose 70,000 points because my account was not kept up to date (this is my first billing cycle). I messed up. I feel terrible.
Does anyone have any experience with this? Did I just lose 70,000 points because my account was not kept up to date (this is my first billing cycle). I messed up. I feel terrible.
Nov 17, 2014, 7:17 am
#2673
Join Date: Sep 2014
Posts: 70
I would just call Chase and let them know you made a mistake. I've had this happen with other new accounts (not necessarily with Chase) and it was never an issue.
Nov 17, 2014, 8:41 am
#2674
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Nov 17, 2014, 9:18 am
#2675
Join Date: Mar 2007
Posts: 375
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 17, 2014, 2:27 pm
#2676
Join Date: Aug 2012
Posts: 467
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 17, 2014, 4:03 pm
#2677
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
But when they decide you have opened too many cards in the last 6 months, there is no changing their mind. Moving CLs, closing cards, nothing will get them to approve you. All you can do is wait it out, which yes, means no new apps in the meantime with any bank.
Citi is probably more strict on this than Chase. I went from iron clad denial by Citi to instant approval on 2 Citi cards, 2 weeks apart, by waiting until my HPs and recently issued cards fell below 6 for 6 months.
Going cold turkey on apps for several months is horrible, but sometimes it's all you can do.
Nov 17, 2014, 4:19 pm
#2678
Join Date: Aug 2012
Posts: 467
The only thing you can say is the different benefits of each card. No baggage fee, primary car insurance, Gold or Platinum status, etc.
But when they decide you have opened too many cards in the last 6 months, there is no changing their mind. Moving CLs, closing cards, nothing will get them to approve you. All you can do is wait it out, which yes, means no new apps in the meantime with any bank.
Citi is probably more strict on this than Chase. I went from iron clad denial by Citi to instant approval on 2 Citi cards, 2 weeks apart, by waiting until my HPs and recently issued cards fell below 6 for 6 months.
Going cold turkey on apps for several months is horrible, but sometimes it's all you can do.
But when they decide you have opened too many cards in the last 6 months, there is no changing their mind. Moving CLs, closing cards, nothing will get them to approve you. All you can do is wait it out, which yes, means no new apps in the meantime with any bank.
Citi is probably more strict on this than Chase. I went from iron clad denial by Citi to instant approval on 2 Citi cards, 2 weeks apart, by waiting until my HPs and recently issued cards fell below 6 for 6 months.
Going cold turkey on apps for several months is horrible, but sometimes it's all you can do.
, how many recons should I do before I should give up?
Nov 18, 2014, 8:05 am
#2680
Join Date: Jun 2012
Programs: AA EXP, Hyatt Globalist, *A Silver
Posts: 4,896
Has any previous CSP owners been successful in re-applying and receiving the CSP sign on bonus again?
Nov 18, 2014, 8:38 am
#2681
Join Date: Jul 2013
Posts: 4
Does anybody know if you can still use the trick of applying for the United Explorer card with a new frequent flyer number and later merge your frequent flyer accounts? Can this method allow you to apply for the card more frequently than every 2 years?
Nov 18, 2014, 9:09 am
#2682
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
