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Applying for Chase Credit Cards- Archived 2008-5/2015

Applying for Chase Credit Cards- Archived 2008-5/2015

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Old Jan 22, 17, 3:03 am   -   Wikipost
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Old Feb 28, 12, 2:48 pm
  #481  
 
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Originally Posted by kevinjrwagner View Post
Will chase just exchange my Explorer card for the Hyatt card? That would avoid a credit pull, right?
Also I forgot to add that Chase usually requires the account to be open for 12 months before they will let you product change to something else. I'm not sure if this applies to you, but figured I'd mention it.
longhorn11 is offline  
Old Mar 1, 12, 10:44 am
  #482  
 
Join Date: Oct 2002
Posts: 668
Originally Posted by mnscout View Post
There is no link. You need to access your United account to get their targeted offer. The chances are if you have any United miles in your account, you will receive it after you log in. If you have Continental miles, you could transfer a few miles to United to trigger the offer.
Can you use the targeted offer to apply for someone else who has a United account but without any miles? I have miles but my spouse doesn't...at least not yet. Trying to figure out how to get miles into her account without flying. Rental car, perhaps...
Ducati is offline  
Old Mar 1, 12, 10:56 am
  #483  
 
Join Date: Oct 2002
Posts: 668
In order to get both the United and Sapphire, I should apply for the United first and then the Sapphire or is it the other way around? How long do I have to wait between each application? Can I apply on the same day?
Ducati is offline  
Old Mar 1, 12, 11:14 am
  #484  
 
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Originally Posted by Ducati View Post
In order to get both the United and Sapphire, I should apply for the United first and then the Sapphire or is it the other way around? How long do I have to wait between each application? Can I apply on the same day?
You can apply on the same day, you'll just need to call the recon line on the 2nd application. I would apply for whichever one you want the most first, to at least get that card approved. Then apply for the 2nd card and give the reconsideration department a call to explain things.
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Old Mar 1, 12, 1:43 pm
  #485  
 
Join Date: Oct 2002
Posts: 668
Originally Posted by longhorn11 View Post
You can apply on the same day, you'll just need to call the recon line on the 2nd application. I would apply for whichever one you want the most first, to at least get that card approved. Then apply for the 2nd card and give the reconsideration department a call to explain things.
Thanks! What sort of explanation do I give?
Ducati is offline  
Old Mar 1, 12, 2:17 pm
  #486  
 
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Originally Posted by Ducati View Post
Thanks! What sort of explanation do I give?
Well the CSP has no FTF and a number of other benefits. Tell them you want it for international travel. If they ask why the United Card, just say that's your primary airline and you like all of the benefits they provide with the card (priority boarding, club passes, etc.).

Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.

Obviously don't call up and just say you'd like 100k points.
longhorn11 is offline  
Old Mar 1, 12, 2:58 pm
  #487  
 
Join Date: May 2010
Programs: Hyatt Plat, Hilton Gold
Posts: 241
I applied for a freedom card a week ago. Tried calling in the automatic line and just got no decision has been made please wait type message. I only have sapphire pref card from chase. Is there any other number I can call to get a decision?

I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
Altoid is offline  
Old Mar 1, 12, 4:03 pm
  #488  
 
Join Date: Oct 2002
Posts: 668
Originally Posted by longhorn11 View Post
Originally Posted by Ducati View Post
Thanks! What sort of explanation do I give?
Well the CSP has no FTF and a number of other benefits. Tell them you want it for international travel. If they ask why the United Card, just say that's your primary airline and you like all of the benefits they provide with the card (priority boarding, club passes, etc.).

Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.

Obviously don't call up and just say you'd like 100k points.
Thanks again for your poignant responses. I called 888-245-0625 and the CSR said that the second card was declined. But since customers are allowed to have two apps in 30 days, she approved the second card. The CSR never asked why I needed the second card. She was very courteous and helpful.

Last edited by Ducati; Mar 1, 12 at 4:36 pm
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Old Mar 1, 12, 6:33 pm
  #489  
 
Join Date: Feb 2012
Posts: 30
Originally Posted by Altoid View Post
I applied for a freedom card a week ago. Tried calling in the automatic line and just got no decision has been made please wait type message. I only have sapphire pref card from chase. Is there any other number I can call to get a decision?

I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
For Chase, call this number to get connected directly to an analyst who can approve it: 888-245-0625
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Old Mar 1, 12, 8:24 pm
  #490  
 
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Originally Posted by Ducati View Post
Thanks again for your poignant responses. I called 888-245-0625 and the CSR said that the second card was declined. But since customers are allowed to have two apps in 30 days, she approved the second card. The CSR never asked why I needed the second card. She was very courteous and helpful.
Sure thing! Glad it worked out for you, sounds like you got a nice CSR.
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Old Mar 2, 12, 4:12 am
  #491  
 
Join Date: Nov 2011
Location: MEX
Posts: 944
Just a warning to all:

Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.

All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.

No late payments, no abuse, no dormant cards for 3 months. Careful, all.
Viajero Millero is offline  
Old Mar 2, 12, 4:18 am
  #492  
 
Join Date: Jan 2011
Programs: CO, BA, UA, AA, PC, HH, MARRIOT, HYATT, MR, STARWOOD
Posts: 287
Originally Posted by Bachovas View Post
Just a warning to all:

Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.

All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.

No late payments, no abuse, no dormant cards for 3 months. Careful, all.
As Paul Harvey used to say, and now the rest of the story-please. Like-how much did you inflate your income by or-how many thousands of gift cards did you buy?
finite7777 is offline  
Old Mar 2, 12, 8:13 am
  #493  
 
Join Date: Nov 2011
Location: MEX
Posts: 944
Not a single gift card. 2 of the 3 cards at <5% utilization. Other card I was using for everything and got to about 95% utilization. Before they closed one of the <5% cards on Monday I was using about 35% of my total credit line with the bank.

Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
Viajero Millero is offline  
Old Mar 2, 12, 10:12 am
  #494  
 
Join Date: Oct 2002
Posts: 668
When getting these cards, I always call to reduce my line of credit to say $7,000. I don't need a $16,000 limit on a single card.
Ducati is offline  
Old Mar 2, 12, 12:45 pm
  #495  
 
Join Date: Feb 2003
Posts: 6,914
Originally Posted by Bachovas View Post
Not a single gift card. 2 of the 3 cards at <5% utilization. Other card I was using for everything and got to about 95% utilization. Before they closed one of the <5% cards on Monday I was using about 35% of my total credit line with the bank.

Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
95% utilization is really not a great idea, IMHO. I'd try to move some of the credit lines around to avoid that if I wanted to use one card that much.

That said, I'm curious whether you had a lot of new credit, or high utilization ratios, with cards from other issuers. As I recall, somebody wrote to FTG a week or so ago saying Chase has closed him down because he'd opened a number of new accounts -- which were apparently the proverbial straw that broke the camel's back -- with Citi.
beltway is offline  

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