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
Mar 3, 2012, 12:01 pm
#511
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Her'es one I haven't seen before.
Just starting to hit Chase cards with the last app (everyone but Barclays hits Experian for me, and I've been focusing on other issuers till now).
Applied for two Chase cards, first approved instantly, second denied for too many apps (expected). Called recon, after a couple questions they approved my second card. Got a letter today informing me that my second app was still being denied for too many apps.
Any ever have this happen before? Recon approves you, but you still get denied?
Just starting to hit Chase cards with the last app (everyone but Barclays hits Experian for me, and I've been focusing on other issuers till now).
Applied for two Chase cards, first approved instantly, second denied for too many apps (expected). Called recon, after a couple questions they approved my second card. Got a letter today informing me that my second app was still being denied for too many apps.
Any ever have this happen before? Recon approves you, but you still get denied?
Mar 3, 2012, 12:12 pm
#513
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Mar 3, 2012, 10:43 pm
#514
Join Date: Jun 2011
Posts: 1,147
Is the min. wait for time between Chase apps one month from being accepted for a card or one month from applying for a card? I applied for the Sapphire Preferred on 29 January and do not have the card yet (I applied with no US credit history because a CSR told me they could pull Canadian credit. I was denied as expected, and called the reconsideration line. The rep said they could not in fact pull Canadian credit, but even though I had no US credit score yet, my 5 months of paying off my BoA MasterCard was enough for the rep to approve me with the min limit, pending a copy of my SSN card and address. I sent that off and a couple of weeks later they also asked me for a passport copy, so I'm still waiting for approval of that). So, do you think I can apply for the UA Mileage Plus Explorer yet, or do I have to wait 30 days from approval/when I actually get the Sapphire Preferred?
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
Mar 4, 2012, 3:45 pm
#515
Join Date: Oct 2002
Posts: 676
The marriott's card just seems like a hell of a deal. annual fee is 85 dollars(waived the first year), and each year you get a free night at a category 1-5 hotel. a category 5 hotel usually costs $250+ for a night.
Again, it comes with 70000 signup, a free night at a category 1-4 hotel and no annual fee for first year just for signing up and making one purchase. I wouldnt suggest the marriott card to someone as a main card, get the sapphire preferred first.
...
Mar 4, 2012, 3:48 pm
#516
Join Date: Oct 2002
Posts: 676
Is the min. wait for time between Chase apps one month from being accepted for a card or one month from applying for a card? I applied for the Sapphire Preferred on 29 January and do not have the card yet (I applied with no US credit history because a CSR told me they could pull Canadian credit. I was denied as expected, and called the reconsideration line. The rep said they could not in fact pull Canadian credit, but even though I had no US credit score yet, my 5 months of paying off my BoA MasterCard was enough for the rep to approve me with the min limit, pending a copy of my SSN card and address. I sent that off and a couple of weeks later they also asked me for a passport copy, so I'm still waiting for approval of that). So, do you think I can apply for the UA Mileage Plus Explorer yet, or do I have to wait 30 days from approval/when I actually get the Sapphire Preferred?
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
Mar 4, 2012, 4:48 pm
#517
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
So, do you think I can apply for the UA Mileage Plus Explorer yet, or do I have to wait 30 days from approval/when I actually get the Sapphire Preferred?
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
CreditKarma is already generating a credit score for me given that it's now been about 6 months since I got my first US credit card.
Mar 4, 2012, 4:59 pm
#518
Join Date: Jul 2010
Posts: 305
Experian shows me with 4 inquiries in the past 17 months, only 1 by Chase (which is strange, since I've gotten explorer/freedom and Ink Bold in the past 7 months). I want Sapphire Preferred before the 50K offer ends, and just got freedom less than a month ago. Should I apply for the Sapphire now anyway?
Mar 4, 2012, 6:45 pm
#519
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Experian shows me with 4 inquiries in the past 17 months, only 1 by Chase (which is strange, since I've gotten explorer/freedom and Ink Bold in the past 7 months). I want Sapphire Preferred before the 50K offer ends, and just got freedom less than a month ago. Should I apply for the Sapphire now anyway?
As far as only having one inquiry from Chase, they just pulled another bureau for your ink card. Assuming you got the explorer and freedom at the same time.
Mar 4, 2012, 6:52 pm
#520
Join Date: Mar 2006
Location: RDU
Posts: 812
I know for a fact that Chase allows two apps in a 30-day period if you've never had a Chase card (or it's been a very long time since the last one). But, they will still deny your second online app. You have to call in to get the second app approved. It should work for you.
The first time, I moved $6,500 from my recently downgraded Sapphire for my new Hyatt card. Second time, I moved the remaining $5,000 from my Sapphire (and closed it) and also moved $11,500 from my MileagePlus Select Visa (and closed it also) and now have a $16,500 cl on my new Explorer card. I also have a OnePass Plus mastercard that is about 1.5 yrs old. My other remaining card is a Priority Club Select Visa.
Mar 5, 2012, 12:31 pm
#521
Join Date: Feb 2012
Posts: 30
Persistence pays off
Mar 5, 2012, 9:12 pm
#522
Join Date: Jul 2009
Location: SEA
Posts: 2,556
Getting the Marriott card you can get 70,000 points + a free category 1-4 hotel (out of 8 categories) night certificate (which is good, however, for only 6 mos.). When you renew the Marriott card (a $65 fee is incurred) you then get a free category 1-5 hotel night certificate (which is valid for one year).
Mar 5, 2012, 9:27 pm
#523
Join Date: Feb 2003
Posts: 8,135
Getting the Marriott card you can get 70,000 points + a free category 1-4 hotel (out of 8 categories) night certificate (which is good, however, for only 6 mos.). When you renew the Marriott card (a $65 fee is incurred) you then get a free category 1-5 hotel night certificate (which is valid for one year).
Mar 7, 2012, 2:56 pm
#524
Join Date: Jul 2008
Location: USA
Programs: SPG HH AA PLT AS MVPG
Posts: 142
Data Point ...
With 2 seldomly-used Chase cards open (and no Chase applications in the past 10 months), I applied for a Chase Sapphire Preferred and a Chase Ink (Classic) business card on the same day. In addition, I applied 2 other cards from two other banks, also on the same day. The Sapphire card was approved instantly. I received a Pending Decision notification on the Ink card.
On the day I received my Sapphire card (with a healthy credit line), I also received a decline letter from Chase on my Ink application (reason: Too much credit opened with Chase). I called for reconsideration on the Ink card ... and here is where the Data Point comes in ...
The agent, while talking with me, hard-pulled my credit again. In this second pull, he could see that I had applied for 2 other cards, in addition to the Chase cards, on the same day -- which defeated the whole idea related to "applying on the same day." He had lots of questions about that, but he did eventually grant me the Ink card.
I've asked Chase and other banks for reconsideration a few times in the past and have never seen a second hard-pull on my credit history ... So, at least for me, this was a new wrinkle that has me re-thinking application strategy.
With 2 seldomly-used Chase cards open (and no Chase applications in the past 10 months), I applied for a Chase Sapphire Preferred and a Chase Ink (Classic) business card on the same day. In addition, I applied 2 other cards from two other banks, also on the same day. The Sapphire card was approved instantly. I received a Pending Decision notification on the Ink card.
On the day I received my Sapphire card (with a healthy credit line), I also received a decline letter from Chase on my Ink application (reason: Too much credit opened with Chase). I called for reconsideration on the Ink card ... and here is where the Data Point comes in ...
The agent, while talking with me, hard-pulled my credit again. In this second pull, he could see that I had applied for 2 other cards, in addition to the Chase cards, on the same day -- which defeated the whole idea related to "applying on the same day." He had lots of questions about that, but he did eventually grant me the Ink card.
I've asked Chase and other banks for reconsideration a few times in the past and have never seen a second hard-pull on my credit history ... So, at least for me, this was a new wrinkle that has me re-thinking application strategy.
Mar 7, 2012, 3:04 pm
#525
Join Date: Dec 2011
Posts: 207
Data Point ...
With 2 seldomly-used Chase cards open (and no Chase applications in the past 10 months), I applied for a Chase Sapphire Preferred and a Chase Ink (Classic) business card on the same day. In addition, I applied 2 other cards from two other banks, also on the same day. The Sapphire card was approved instantly. I received a Pending Decision notification on the Ink card.
On the day I received my Sapphire card (with a healthy credit line), I also received a decline letter from Chase on my Ink application (reason: Too much credit opened with Chase). I called for reconsideration on the Ink card ... and here is where the Data Point comes in ...
The agent, while talking with me, hard-pulled my credit again. In this second pull, he could see that I had applied for 2 other cards, in addition to the Chase cards, on the same day -- which defeated the whole idea related to "applying on the same day." He had lots of questions about that, but he did eventually grant me the Ink card.
I've asked Chase and other banks for reconsideration a few times in the past and have never seen a second hard-pull on my credit history ... So, at least for me, this was a new wrinkle that has me re-thinking application strategy.
With 2 seldomly-used Chase cards open (and no Chase applications in the past 10 months), I applied for a Chase Sapphire Preferred and a Chase Ink (Classic) business card on the same day. In addition, I applied 2 other cards from two other banks, also on the same day. The Sapphire card was approved instantly. I received a Pending Decision notification on the Ink card.
On the day I received my Sapphire card (with a healthy credit line), I also received a decline letter from Chase on my Ink application (reason: Too much credit opened with Chase). I called for reconsideration on the Ink card ... and here is where the Data Point comes in ...
The agent, while talking with me, hard-pulled my credit again. In this second pull, he could see that I had applied for 2 other cards, in addition to the Chase cards, on the same day -- which defeated the whole idea related to "applying on the same day." He had lots of questions about that, but he did eventually grant me the Ink card.
I've asked Chase and other banks for reconsideration a few times in the past and have never seen a second hard-pull on my credit history ... So, at least for me, this was a new wrinkle that has me re-thinking application strategy.
