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 1, 2013, 6:49 pm
#1201
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
Why not get the 70k Marriott linked here?
I'm about to apply for Chase Marriott Rewards Visa Signature (EMV-signature, 50k bonus + 1 free nite, 5x, 3x, 1x, points, waived 1st annual fee, offer linked from Marriott site). My own and my spouse's credit reports are locked. Anyone have experience with:
1) which to unlock (looks like Experian is most often pulled first by Chase), or all? Costs $10 apiece to unlock.
2) Spouse won't be on the app for another card, should I unlock her reports as well? Costs a little more again.
1) which to unlock (looks like Experian is most often pulled first by Chase), or all? Costs $10 apiece to unlock.
2) Spouse won't be on the app for another card, should I unlock her reports as well? Costs a little more again.
Aug 1, 2013, 7:23 pm
#1202
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,087
Welcome to FT.
If your credit history is kind of young I'd pay the fee & keep the card. It takes quite a few years to build a solid credit history.
If your credit history is kind of young I'd pay the fee & keep the card. It takes quite a few years to build a solid credit history.
Hi all, I am brand new to the forum, but I am looking for advice for a specific scenario.
I have a Chase Mileage Plus Explorer with a CL of $8,000. I signed up about a year ago when there was a big (55,000pt) sign-up bonus. I have used it for most purchases over the past year (about $800/month). I also just applied for and was approved for a Chase Sapphire Preferred card (CL $5,000) with the 40k pt bonus. I think I would rather use the CSP as my primary card, so I don't want to pay the annual fee on the MP card. I would rather not cancel it and lose my credit history, but if I have to I will. I contacted Chase via direct message online asking what my options were. I even suggested downgrading to a no-fee card (like this one). They replied that there are no options to convert to a no-fee card available and no programs or offers to reduce the fee.
Does anyone have any advice? Probably the best thing to do would be to just cancel it. If that is the case, I have one more question.
One of the perks to the MP card is that I get two passes to the United Club every year. If I wait until my second year on the MP card starts, I presume they will send me the two United club passes. Then, before the first month is over can I cancel the card, and get the annual fee refunded while keeping the two United Club passes?
Thanks in advance,
greeney
I have a Chase Mileage Plus Explorer with a CL of $8,000. I signed up about a year ago when there was a big (55,000pt) sign-up bonus. I have used it for most purchases over the past year (about $800/month). I also just applied for and was approved for a Chase Sapphire Preferred card (CL $5,000) with the 40k pt bonus. I think I would rather use the CSP as my primary card, so I don't want to pay the annual fee on the MP card. I would rather not cancel it and lose my credit history, but if I have to I will. I contacted Chase via direct message online asking what my options were. I even suggested downgrading to a no-fee card (like this one). They replied that there are no options to convert to a no-fee card available and no programs or offers to reduce the fee.
Does anyone have any advice? Probably the best thing to do would be to just cancel it. If that is the case, I have one more question.
One of the perks to the MP card is that I get two passes to the United Club every year. If I wait until my second year on the MP card starts, I presume they will send me the two United club passes. Then, before the first month is over can I cancel the card, and get the annual fee refunded while keeping the two United Club passes?
Thanks in advance,
greeney
Aug 1, 2013, 7:36 pm
#1203
Join Date: Feb 2009
Posts: 6,607
Also important to note is that at the beginning of the call, he stated that I had too many credit inquiries over the past 12 months. My credit score is 786. In addition to the Chase cards below, I have been approved for 8 other cards in the past 8 months, all of which remain open.
In 7 years of churning ( and my entire life before that) this was the only card that ever turned me down.
I was so mad I immediately applied and was approved for 2 different non Chase cards
My advice is to move on and come back to Chase in 6 months or so.
Aug 1, 2013, 8:24 pm
#1204
Join Date: Jul 2013
Location: PDX
Programs: DL, UA, lotsa hotels
Posts: 79
Why not get the 70k Marriott linked here?
Aug 1, 2013, 8:36 pm
#1205
Join Date: Jul 2013
Location: PDX
Programs: DL, UA, lotsa hotels
Posts: 79
(Updated 2013-08-02 8:42 AM PDT) Oh, now I see the Experian page. Guess I shouldn't have tried to find it after my long yesterday... Will give it a try soon.
I don't see a way to generate a "one-time PIN" for unlocking. Of course, I have the PINs assigned when I locked it down, one for each bureau. I have unlocked them before, which was a PITA, and a one-time PIN would be nice.
Say I have this one-time PIN, there's no place in an on-line app to put it. Send on a faxed app?
I don't see a way to generate a "one-time PIN" for unlocking. Of course, I have the PINs assigned when I locked it down, one for each bureau. I have unlocked them before, which was a PITA, and a one-time PIN would be nice.
Say I have this one-time PIN, there's no place in an on-line app to put it. Send on a faxed app?
Last edited by DrJohn999; Aug 2, 2013 at 9:44 am Reason: Update
Aug 2, 2013, 12:52 pm
#1206
Join Date: Jul 2013
Location: PDX
Programs: DL, UA, lotsa hotels
Posts: 79
We select the credit bureau we pull from at random, so it may not be Experian we use. However, you will need to first apply for the card, then you will need to contact our Lending Dept to determine who we pulled from. If it was Experian, you can give them the PIN. If not, you'll need to unlock that bureau & call our Lending Dept back. Their number is 888-609-7805.
Response came within 10 mins of posting. The number given is the "Alternative Personal Reconsideration line with live rep" number shown at the top of this thread. I'll post later on how it goes with them.
Aug 2, 2013, 3:51 pm
#1207
Join Date: Jul 2013
Programs: United, southwest, ihg, club Carlson, hyatt
Posts: 7
I want to add an Ink, but just got rejected 90 days ago due to accounts being too new, and business being too new. I wonder if applying for an Ink Cash/Classic vs an Ink Bold for a first card with them would make a difference as one is obviously targeted more towards start ups or even smaller businesses. Guess I'll find out in 90 more days when I apply for Freedom and Ink Classic.
rep told me to try applying for one of the other cards. i applied for the plus the same day and did another recon call. they approved me after asking the standard questions again.
Aug 2, 2013, 3:54 pm
#1208
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
have you tried an ink plus? i applied for the ink bold and was told to wait 2 weeks, called recon same day and after going through standard questions they said the charge card is their premier business card and my business didn't have high enough revenues.
rep told me to try applying for one of the other cards. i applied for the plus the same day and did another recon call. they approved me after asking the standard questions again.
rep told me to try applying for one of the other cards. i applied for the plus the same day and did another recon call. they approved me after asking the standard questions again.
Aug 2, 2013, 9:48 pm
#1209
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,087
Answering my own question. From @ChaseSupport via Twitter:
We select the credit bureau we pull from at random, so it may not be Experian we use. However, you will need to first apply for the card, then you will need to contact our Lending Dept to determine who we pulled from. If it was Experian, you can give them the PIN. If not, you'll need to unlock that bureau & call our Lending Dept back. Their number is 888-609-7805.
Response came within 10 mins of posting. The number given is the "Alternative Personal Reconsideration line with live rep" number shown at the top of this thread. I'll post later on how it goes with them.
Aug 2, 2013, 9:59 pm
#1210
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Same, I laughed when I read that tweet. Chase has never pulled anything but Experian for me. Actually, everyone except Barclays pulls Experian for me, to the point I froze it just to keep anything off of there I can.
Aug 3, 2013, 12:02 am
#1212
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Aug 3, 2013, 9:45 am
#1213
Join Date: Jul 2013
Location: PDX
Programs: DL, UA, lotsa hotels
Posts: 79
Aug 3, 2013, 9:54 am
#1214
Join Date: Aug 2006
Posts: 73
first chase denial
I also faced a lot of resistance with my Ink Plus application for having too many recent cards. My first JPMC credit cards were Freedom Visa, CSP Visa, and Palladium Visa, all opened right around March 2012 when I first opened my JPM Private Bank accounts. I added the Ink Bold in November 2012 then United MP Explorer around March 2013. Last month I downgraded my CSP Visa to a Freedom MC, waited a few days, then got instant approval on a CSP MC (hoping to get another sign-up bonus). I also applied for an Ink Plus later that same day and got the 2 weeks message.
I called into recon the next day and the CSR asked me several questions including why I had opened "6 credit cards within the last year;" I said it was actually 3 cards within the last year and 3 before that (she would repeat this 6 cards within 1 year line several times even after I corrected her), and explained how each one played a different role and that I was moving all my credit card spending to JPMC after opening my PB accounts. She put me on hold for a few minutes and came back saying I was unfortunately declined for having "too many recent credit cards." I asked her to take away some credit from the other cards since I had $200k in total credit (not including my Ink Bold charge card), but she said it was the number of recent cards, not total credit exposure or anything else. I asked if there was a certain number of cards that is too much, but she dodged the question. I tried a few other things but she wouldn't budge, so I asked to speak to a senior analyst. She told me it wouldn't make a difference but transferred me anyway.
The 1st CSR summarized my situation with the 2nd CSR on the line with me, once again repeating her erroneous "6 cards within the past year" line. At this point, after nearly 30 minutes on the phone, I'm pretty pissed; I said this is the fifth time correcting her that it's 3 cards within the past year, and another 3 from several months before that. I've opened these cards for legitimate reasons, use them heavily and PIF, have X amount in JPM PB investment accounts and Y amount in my JPM PB checking and savings accounts, and if they didn't approve me for this measly business credit card I'd be happy to take my business elsewhere. I was then instantly approved by the 2nd CSR for $25k, who also apologized for the inconvenience and expedited shipment. It's stupid that it came down to that, but happy to have the Ink Plus with a 60k bonus.
I called into recon the next day and the CSR asked me several questions including why I had opened "6 credit cards within the last year;" I said it was actually 3 cards within the last year and 3 before that (she would repeat this 6 cards within 1 year line several times even after I corrected her), and explained how each one played a different role and that I was moving all my credit card spending to JPMC after opening my PB accounts. She put me on hold for a few minutes and came back saying I was unfortunately declined for having "too many recent credit cards." I asked her to take away some credit from the other cards since I had $200k in total credit (not including my Ink Bold charge card), but she said it was the number of recent cards, not total credit exposure or anything else. I asked if there was a certain number of cards that is too much, but she dodged the question. I tried a few other things but she wouldn't budge, so I asked to speak to a senior analyst. She told me it wouldn't make a difference but transferred me anyway.
The 1st CSR summarized my situation with the 2nd CSR on the line with me, once again repeating her erroneous "6 cards within the past year" line. At this point, after nearly 30 minutes on the phone, I'm pretty pissed; I said this is the fifth time correcting her that it's 3 cards within the past year, and another 3 from several months before that. I've opened these cards for legitimate reasons, use them heavily and PIF, have X amount in JPM PB investment accounts and Y amount in my JPM PB checking and savings accounts, and if they didn't approve me for this measly business credit card I'd be happy to take my business elsewhere. I was then instantly approved by the 2nd CSR for $25k, who also apologized for the inconvenience and expedited shipment. It's stupid that it came down to that, but happy to have the Ink Plus with a 60k bonus.