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
Aug 31, 2010, 7:08 pm
#76
Join Date: Sep 2000
Programs: OnePass
Posts: 885
I am debating whether to apply for a new Continental card. I had one back in 2005-2006 and am thinking that it might be off their radar.
Sep 3, 2010, 1:43 pm
#77
Join Date: Mar 2000
Posts: 5,651
Unfortunately the Chase persons one talks do not know themselves the reasons--they just guess/ make things up to sound smart.
Tried for the BA 100,000 in November and was rejected. Tried for the Sapphire recently and was rejected. I only have 2 current Chase cards - Cash PlusRewards cards which pay 5% cashback on groceries, pharmacy, gas, grandfathered in, as these are not offered anymore. They are over 3 years old with never any late payments. My credit score 740-750.
First CSR said rejected because "too many inquiries. and that over 4 is too many" 2nd CSR said "too many inquiries," but couldnt say how many was too many. I tried to explain to her, asking how can you know its "too many" if you cant specify the number of how many would make it "too many." There must be a threshold. She couldn't understand this point, just stating that they look at the total picture. I do have quite a few inquiries, but after being denied for the BA 100k and now the Sapphire, I am dismayed. So will I have to wait another 6 months or longer, apply again, only to be rejected again? Advice other than trying to find a sympathetic CSR?
Amex had no problem approving me this week after I was denied for the Chase.
First CSR said rejected because "too many inquiries. and that over 4 is too many" 2nd CSR said "too many inquiries," but couldnt say how many was too many. I tried to explain to her, asking how can you know its "too many" if you cant specify the number of how many would make it "too many." There must be a threshold. She couldn't understand this point, just stating that they look at the total picture. I do have quite a few inquiries, but after being denied for the BA 100k and now the Sapphire, I am dismayed. So will I have to wait another 6 months or longer, apply again, only to be rejected again? Advice other than trying to find a sympathetic CSR?
Amex had no problem approving me this week after I was denied for the Chase.
Sep 3, 2010, 3:08 pm
#78
Join Date: Jun 2005
Posts: 344
I applied for and was approved for a Chase Continental MC three months ago.
I had a Chase United MC, but closed the account because I didn't want to pay the annual fee. I closed the account maybe 2 years ago.
Today an offer for a Chase United Visa comes. 30,000 United miles after $250 in purchases within 3 months.
My question: If I apply for the new Visa card, will I be approved, or denied because I have gotten a Chase card in the last 6 months, or because I am not a first time Chase United card customer (although I read the terms of the offer and it doesn't say anything about first time customer).
Is a MC account different from a Visa account?
Any insight would be appreciated.
Thanks
I had a Chase United MC, but closed the account because I didn't want to pay the annual fee. I closed the account maybe 2 years ago.
Today an offer for a Chase United Visa comes. 30,000 United miles after $250 in purchases within 3 months.
My question: If I apply for the new Visa card, will I be approved, or denied because I have gotten a Chase card in the last 6 months, or because I am not a first time Chase United card customer (although I read the terms of the offer and it doesn't say anything about first time customer).
Is a MC account different from a Visa account?
Any insight would be appreciated.
Thanks
Sep 3, 2010, 3:56 pm
#79
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 8,537
I received a United MP card in April and a Continental OP card in May, so this policy is definitely not uniform.
YMMV
YMMV
Sep 3, 2010, 4:04 pm
#80
Join Date: Jun 2010
Location: JFK, EWR, LGA, GVA
Programs: AMEX Gold MR into Avios, MileagePlus; AAdvantage; Skypesos
Posts: 115
Hopefully my mileage will be equal
Sep 3, 2010, 4:47 pm
#81
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 8,537
Some people have received a targeted offer of 50000 for the United MP card, though 30000 is all that's offered on United.com
See last page of this thread:
http://www.flyertalk.com/forum/unite...motion-30.html
See last page of this thread:
http://www.flyertalk.com/forum/unite...motion-30.html
Sep 7, 2010, 1:37 pm
#82
Suspended
Join Date: Dec 2006
Location: USA
Programs: All major programs
Posts: 1,403
I had opened a Chase Marriott card at the end of last year and wanted to switch over to a Chase UA card in March. I was initially denied, but when I called in and got through three levels of CSRs, someone was finally able to authorize my new Chase UA card. In theory, my Marriott card was supposed to be closed, but it still appears to be open, just with a $100 credit limit while my new UA card has the credit limit that the Marriott card originally had. The lower level CSRs were adamant that there was no way to get the denial reconsidered but being persistent paid off. Even got the new card bonus on the UA one in addition to the new card bonus on the Marriott one.
1) do they really close the old account. If they leave the account open with a $100 CL, that is fine with me.
2) if they do close the old account, is there a way to open it again without going through a credit pull.
Sep 7, 2010, 2:44 pm
#83
In memoriam
Join Date: Jan 2006
Posts: 4,020
Some people have received a targeted offer of 50000 for the United MP card, though 30000 is all that's offered on United.com
See last page of this thread:
http://www.flyertalk.com/forum/unite...motion-30.html
See last page of this thread:
http://www.flyertalk.com/forum/unite...motion-30.html
I have had many UAL Chase cards. Got the 50K promo email at a time (a few months ago) when I had closed them all. Got the 50K card with no problems. (it was just under six months from time of last UAL acct closing).
Recently applied for Conti Chase card. Never had one before. Turned down for some bogus reasons about inqueries. In times past would have certainly gotten the card.
Chase is nuts.
Not that the rest of the banks are so sane. 
Sep 7, 2010, 4:55 pm
#84
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
I am in a similar situation. I have 3 Chase cards and recently applied for Marriott 50K offer. I was declined because I had too many recent accounts. So I offered to reallocate some CL from my existing accounts but no go. But they did offer to close 1 of my account. However I was unable to close any because of various issues. Does anybody who has in been in similar situation please advise on -
1) do they really close the old account. If they leave the account open with a $100 CL, that is fine with me.
2) if they do close the old account, is there a way to open it again without going through a credit pull.
1) do they really close the old account. If they leave the account open with a $100 CL, that is fine with me.
2) if they do close the old account, is there a way to open it again without going through a credit pull.
2) No you cannot re-open the closed accounts after 30 days.
Sep 8, 2010, 9:34 am
#85
Suspended
Join Date: Dec 2006
Location: USA
Programs: All major programs
Posts: 1,403
Thanks for the info. Does it mean that I can reopen the account within 30 days? Also the account that I could close is a Signature card. So if they will leave only $100 on that, will that be an issue if I tried opening it again.
Sep 9, 2010, 10:54 am
#86
Join Date: Feb 2010
Location: NYC
Programs: UA, AA
Posts: 519
I couldn't resist the temptation (it's been only about five months from the last application), so I just went ahead and applied for Chase Hyatt card. Not surprisingly, I received the dreaded "application pending" message. 
I will update how it goes.
I will update how it goes.
Last edited by nydad; Sep 9, 2010 at 11:02 am
Sep 9, 2010, 10:59 am
#87
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Would probably run into the same problem you had in trying to open a new card. Bottom line, in my opinion, you will not be able to reach your goal of getting a additional card opened.
Sep 9, 2010, 11:35 am
#88
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Yes, with only $100 in it if you want to re-open a Visa Signature, you need to have 5K from somewhere else to re-allocate to this card in order to meet the minimum requirement.
I believe deant's assessment of your situation is probably on target.
Sep 13, 2010, 11:16 am
#89
Join Date: Feb 2010
Location: NYC
Programs: UA, AA
Posts: 519
Update:
Just learned that my Chase-Hyatt application was denied, based upon the number of inquires in the last two years (9 was the number). I asked reconsideration and the CSR told me that she would recommend approval if I close down one of my two Chase accounts (BA and UA). I gladly complied, and I am waiting for a final approval.
Last edited by nydad; Sep 14, 2010 at 1:08 pm
Sep 15, 2010, 11:54 am
#90
Join Date: Sep 2010
Posts: 165
Thanks for the update nydad. Let us know how the final approval goes!