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
Feb 5, 2012, 1:38 pm
#421
Join Date: Jun 2011
Location: AL
Programs: All of the Above
Posts: 1,374
Signed myself up for the Ink Bold w/ 50K. Said we'll let you know in 10 days. Called about an hour after applying and talked to the reconsideration line to see if I could expedite it (got bills to pay that I want to get it for the 5x points). They asked me a range of questions (how long in biz, annual rev, annual profit, etc), came back, asked how much I needed to charge every month (since it's a charge card), told them probably with this card only about $5K a month, back on hold, came back and said approved with $15K "limit", even though it's a charge card. Also said she'd overnight me the card, so hopefully I will get it Tuesday. Nice job Chase.
Also applied for the Mrs. for Sapp Pref (was afraid the offer may go down soon, but wanted to wait until after I received my 7% bonus, so it wouldn't be before the annual fee was due next year). Approved instantly online. Haven't asked for the card to be expedited because the Mrs. hates talking on the phone to CC companies. In about 2 months we'll knock out the spending requirements, and get another 100K UR points.
Also applied for the Mrs. for Sapp Pref (was afraid the offer may go down soon, but wanted to wait until after I received my 7% bonus, so it wouldn't be before the annual fee was due next year). Approved instantly online. Haven't asked for the card to be expedited because the Mrs. hates talking on the phone to CC companies. In about 2 months we'll knock out the spending requirements, and get another 100K UR points.
Feb 6, 2012, 12:59 pm
#422
Join Date: Nov 2001
Location: Minneapolis,MN,USA
Posts: 58
Caution on the United MileagePlus Explorer Chase Visa card offer of 60,000 bonus miles (50K on first use, 10K after $25K of use), first year free, $95/year after that. If you cancel your card before you get a chance to use those miles, your miles will EXPIRE! They won't be posted to your account for 6-8 weeks, so it looks like you get about a 10 month window to use the miles if you can do it.
the offer:
https://www.theexplorercard.com/MPYoureIn60kAFW.aspx
the terms: click details buttons on lower L of screen
the offer:
https://www.theexplorercard.com/MPYoureIn60kAFW.aspx
the terms: click details buttons on lower L of screen
Mileage Expiration:
Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the MileagePlus Program Rules.
Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the MileagePlus Program Rules.
Feb 6, 2012, 1:13 pm
#423
Join Date: Aug 2011
Programs: many
Posts: 1,437
Caution on the United MileagePlus Explorer Chase Visa card offer of 60,000 bonus miles (50K on first use, 10K after $25K of use), first year free, $95/year after that. If you cancel your card before you get a chance to use those miles, your miles will EXPIRE! They won't be posted to your account for 6-8 weeks, so it looks like you get about a 10 month window to use the miles if you can do it.
the offer:
https://www.theexplorercard.com/MPYoureIn60kAFW.aspx
the terms: click details buttons on lower L of screen
the offer:
https://www.theexplorercard.com/MPYoureIn60kAFW.aspx
the terms: click details buttons on lower L of screen
Feb 6, 2012, 10:10 pm
#424
Join Date: Jun 2011
Location: AL
Programs: All of the Above
Posts: 1,374
Got my first Biz Chase card today, and tried to add it to my personal Chase account login. Shockingly, it wouldn't work. I call Chase up to add it, and they say "No can do sir. Our IT dept isnt as good as Am Ex's". Ok, maybe I made the last part up.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
Feb 7, 2012, 4:29 am
#425
Join Date: Oct 2006
Location: Okinawa
Posts: 2,611
Got my first Biz Chase card today, and tried to add it to my personal Chase account login. Shockingly, it wouldn't work. I call Chase up to add it, and they say "No can do sir. Our IT dept isnt as good as Am Ex's". Ok, maybe I made the last part up.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
Feb 7, 2012, 5:49 am
#426
Join Date: Apr 1999
Location: Northport, NY
Posts: 1,732
Got my first Biz Chase card today, and tried to add it to my personal Chase account login. Shockingly, it wouldn't work. I call Chase up to add it, and they say "No can do sir. Our IT dept isnt as good as Am Ex's". Ok, maybe I made the last part up.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
But seriously....come on Chase. I can log on to Am Ex and see all my biz and personal accounts together. But you're going to make me have 2 different logins to remember? That makes no sense. And so now does that mean my UR points won't automatically go into my personal chase account? That's disappointing.
Feb 11, 2012, 6:56 am
#427
Join Date: Feb 2012
Posts: 4
Chase app timing
I'm aiming to build up my MileagePlus account and got the United Explorer a few weeks ago in mid-January with a 50k sign-up bonus. Now I've been sold on the merits of the Sapphire Preferred for its no-foreign-transaction-fee and travel-friendly points structure (not to mention the 50k bonus).
Should I wait a few months to apply for another Chase card? Would they even accept my app if I tried? I'm worried that if I wait, the 50k bonus will expire, reducing the appeal.
Thoughts?
Should I wait a few months to apply for another Chase card? Would they even accept my app if I tried? I'm worried that if I wait, the 50k bonus will expire, reducing the appeal.
Thoughts?
Feb 11, 2012, 7:22 am
#428
Join Date: Jan 2012
Location: ORD
Programs: US Air Silver, UA, WN CP, PC Plat, Hilton Gold, BW Diamond
Posts: 43
I (Newbie) applied for the Explorer on 1/5/12 and for the Sapphire on 1/11/12. I had no idea what I was doing and just applied for them because I wanted the bonus. Instant approval on Explorer and transferred credit to the Sapphire from an old no fee Chase card. I also picked up the OnePass 4/2011.
Feb 11, 2012, 8:29 am
#429
Join Date: Jul 2010
Location: DCA/IAD/BWI
Programs: UA 2P, Marriott Plat, Hyatt Plat, National EE, Avis PC
Posts: 314
Do you have any other recent apps with Chase or otherwise? Do you have any other Chase cards?
Feb 11, 2012, 9:13 am
#430
Join Date: May 2010
Location: WAS
Programs: Lotz
Posts: 1,534
2 every 60 days. Preferably one every 30.
Feb 11, 2012, 9:19 am
#431
Formerly known as gwhit21
Join Date: Jul 2011
Location: Tx
Programs: All of them.
Posts: 167
As long as you don't haven't done any Chase apps before the United and your credit is in good condition they will approve you for the Sapphire.
I consulted a true newbie last week and he was instantly approved for the United then 5 min. later approved for the Sapphire via the reconsideration phone call.
Just be ready to explain why you want the Sapphire. That's easy enough it's a great card.
I consulted a true newbie last week and he was instantly approved for the United then 5 min. later approved for the Sapphire via the reconsideration phone call.
Just be ready to explain why you want the Sapphire. That's easy enough it's a great card.
Feb 11, 2012, 11:12 am
#432
Join Date: May 2011
Programs: As many as I can!
Posts: 344
If this is your first Chase application or if you haven't applied for a lot of Chase cards recently, you should be fine. You'll have to call the reconsideration line to get approved, but it should be fairly easy.
Good Luck!
Good Luck!
Feb 11, 2012, 2:08 pm
#433
Join Date: Feb 2012
Posts: 4
Thanks, all! The UA card was indeed my first Chase app and I have good credit. So I'll wait another couple weeks before getting SP.
Feb 12, 2012, 3:11 am
#434
Suspended
Join Date: Aug 2011
Posts: 364
I applied for the Chase Southwest Airlines Business card last week to get the 16 RR credits & a free flight. Yesterday I received the rejection letter that said I was rejected because of: too many requests or opened accounts with us.
A little background:
*I have a Chase (no fee) UA card that I've had for at least three years
*I applied for, and received, the Chase British Airways (BA) card in November
*I have not applied for any other Chase cards in the past 12 months
Being an optimistic person I decided to call the # on the rejection letter and plead my case. The lady I talked to said the only reason I was rejected was because I had applied for & received a Chase card (BA card) within the last six months. She said a credit report was NOT pulled. I told her I really needed the card for my business spending (true), that my credit was very good (true) and that I had been a loyal Chase customer for many years (true).
She then preceded to question me about my business income. She wanted gross & net figures from my 2008 & 2009 tax returns. I gave her the actual figures. She then asked what my other income was because the figures I gave her didn't add up to what I put on the application. I proceeded to give the other sources of income I have that are not taxable. She also asked me how long I had been self employed. Finally, she said: I will approve your application with a $5K CL and you should receive your card in 7-10 days.
My wife thinks I'm crazy, of course. Hey, I'm a fighter, what can I say. Having an arbitrary "one card per six months" rule seems crazy to me. But, it's their business to run as they see fit.
I'm not 100% positive if this policy is really a "policy" or something she concocted but I've read similar stories on the LONG Chase BA thread so I'm guessing it's probably true.
Of course, YMMV.
MORAL? Don't give up just because you were declined.
A little background:
*I have a Chase (no fee) UA card that I've had for at least three years
*I applied for, and received, the Chase British Airways (BA) card in November
*I have not applied for any other Chase cards in the past 12 months
Being an optimistic person I decided to call the # on the rejection letter and plead my case. The lady I talked to said the only reason I was rejected was because I had applied for & received a Chase card (BA card) within the last six months. She said a credit report was NOT pulled. I told her I really needed the card for my business spending (true), that my credit was very good (true) and that I had been a loyal Chase customer for many years (true).
She then preceded to question me about my business income. She wanted gross & net figures from my 2008 & 2009 tax returns. I gave her the actual figures. She then asked what my other income was because the figures I gave her didn't add up to what I put on the application. I proceeded to give the other sources of income I have that are not taxable. She also asked me how long I had been self employed. Finally, she said: I will approve your application with a $5K CL and you should receive your card in 7-10 days.
My wife thinks I'm crazy, of course. Hey, I'm a fighter, what can I say. Having an arbitrary "one card per six months" rule seems crazy to me. But, it's their business to run as they see fit.
I'm not 100% positive if this policy is really a "policy" or something she concocted but I've read similar stories on the LONG Chase BA thread so I'm guessing it's probably true.
Of course, YMMV.
MORAL? Don't give up just because you were declined.
i will have to cancel my AMEX gold and premier rewards cards cos annual fee is coming up, they are not useful for me and they wouldn't let me change to a different card and only the charge cards. so even if they waive the annual fee which i doubt cos i haven't used them for many months now i will cancel them.
Feb 12, 2012, 7:26 am
#435
Join Date: Feb 2012
Location: Ohio
Programs: Marriott Gold, Hilton Gold, UA Silver; 800K+ points 2012
Posts: 115
Upon cancellation of your credit card account your miles will expire according to the MileagePlus Program Rules
- John