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 7, 2013, 12:19 pm
#1246
Join Date: Dec 2012
Location: ATL
Posts: 177
how long does it take Chase to generate an account number (so I can ask them to expedite) after the application is approved?
already forgot from my last churn 6 months ago...
already forgot from my last churn 6 months ago...
Aug 7, 2013, 6:22 pm
#1247
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,723
I posted this question yesterday to no reaction. Anyone want to comment?
Would like y'all's opinion on my chances for the United Biz card.
I started playing the credit card game this year, so here's the history:
Jan 2013 - Chase United
March 2013 - Chase Hyatt
March 2013 - Chase Sw Plus
March 2013 - Citi AA
March 2013 - Barclay US Airways
March 2013 - US Bank Club Carlson - DENIED
April 2013 - Barclay Choice Priv - DENIED
July 2013 - Citi AA
Aug 2013 - Citi AA
Aug 2013 - Chase SW Premier
I've also had a Freedom card for a few years, so not brand new to Chase, but not much history either. You can see I've gotten 4 new cards from Chase this year. The last TWO weren't instantly approved because I'd reached the max credit limit Chase is willing to give me. Recon did approve them after moving credit from cards. But it looks like Chase won't give me any more new credit - which is just fine by me, but it also means no more instant approval, if approval at all.
Given this, what are my chances of getting approved for a United Biz card in the next 30 days? Note that I don't have an incorporated business, just sell stuff on ebay on the side.
I started playing the credit card game this year, so here's the history:
Jan 2013 - Chase United
March 2013 - Chase Hyatt
March 2013 - Chase Sw Plus
March 2013 - Citi AA
March 2013 - Barclay US Airways
March 2013 - US Bank Club Carlson - DENIED
April 2013 - Barclay Choice Priv - DENIED
July 2013 - Citi AA
Aug 2013 - Citi AA
Aug 2013 - Chase SW Premier
I've also had a Freedom card for a few years, so not brand new to Chase, but not much history either. You can see I've gotten 4 new cards from Chase this year. The last TWO weren't instantly approved because I'd reached the max credit limit Chase is willing to give me. Recon did approve them after moving credit from cards. But it looks like Chase won't give me any more new credit - which is just fine by me, but it also means no more instant approval, if approval at all.
Given this, what are my chances of getting approved for a United Biz card in the next 30 days? Note that I don't have an incorporated business, just sell stuff on ebay on the side.
Aug 7, 2013, 6:34 pm
#1248
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
Aug 8, 2013, 8:33 am
#1249
Join Date: Dec 2012
Location: ATL
Posts: 177
"we have submitted a recommendation for approval, your application is pending final verification. You should receive the welcome packet in 7-10 business days."
anyone gotten this line before?
doesn't make sense to me as approval is usually instant after recommendation and I can expedite the card right away...
anyone gotten this line before?
doesn't make sense to me as approval is usually instant after recommendation and I can expedite the card right away...
Aug 8, 2013, 8:33 am
#1250
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Do we have any current data points on the length of the required waiting period (as measured from account closure to next application) to churn* a Chase card? I haven't seen much discussion of this recently, and the wiki is a hot mess right now.
(*I mean a successful, bonus-earning churn, of course. Getting the second card has never been the problem with Chase.)
(*I mean a successful, bonus-earning churn, of course. Getting the second card has never been the problem with Chase.)
Aug 8, 2013, 1:28 pm
#1251
Join Date: Mar 2013
Location: AUS or IAH
Posts: 20
12/12 CSP- Instantly approved
5/13 SW RR- Instantly approved. RR Points posted 5/24!
8/6/13 United MP Explorer Business- pending, called recon line, answered questions, and approved after a 5 min call. They asked me what kind of business it is, verified my gross income, business revenue, where I work, and asked how much I expect to spend on the card each month.
8/6/13 Marriott Rewards Premier- pending decision, did not call recon line, approved today 8/8. I had no idea I was approved until I got an email from Marriott rewards saying my e-certificate has arrived. What a nice surprise!
Now it's time to chill. I have 5 chase credit cards. Bittersweet.
5/13 SW RR- Instantly approved. RR Points posted 5/24!
8/6/13 United MP Explorer Business- pending, called recon line, answered questions, and approved after a 5 min call. They asked me what kind of business it is, verified my gross income, business revenue, where I work, and asked how much I expect to spend on the card each month.
8/6/13 Marriott Rewards Premier- pending decision, did not call recon line, approved today 8/8. I had no idea I was approved until I got an email from Marriott rewards saying my e-certificate has arrived. What a nice surprise!
Now it's time to chill. I have 5 chase credit cards. Bittersweet.
Aug 8, 2013, 1:48 pm
#1252
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,087
twitter?
Don't think an SM will help but one never knows. When dealing with a similar issue last week with AMEX, I asked for help via twitter & my AMEX MR pts posted very quickly. Not sure how UA is via twitter.
Aug 8, 2013, 1:57 pm
#1253
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,087
Do we have any current data points on the length of the required waiting period (as measured from account closure to next application) to churn* a Chase card? I haven't seen much discussion of this recently, and the wiki is a hot mess right now.
(*I mean a successful, bonus-earning churn, of course. Getting the second card has never been the problem with Chase.)
(*I mean a successful, bonus-earning churn, of course. Getting the second card has never been the problem with Chase.)
Just remembered that I have churned the Chase Marriott card. First card was about 2009 & second one in 2011. I got the 70K pts the second time but NOT the free night. I was OK with that.
Last edited by philemer; Aug 8, 2013 at 2:14 pm
Aug 9, 2013, 5:48 pm
#1254
Join Date: Nov 2009
Location: Kuala Lumpur
Programs: UA MR UR AA
Posts: 107
Currently have the Chase United, paid off in full. Credit Sesame scores are excellent (790s), I've been with Amex for > 10 years and some time with Chase but almost zero with Citi.
I'm aiming for the CSP with 40k UR for an upcoming huge spend. My recent history:
6/17 approved Ink Bold for the 60k bonus
6/22 denied Ink Plus?
8/8 instantly approved for Chase Hyatt
8/8 instantly approved for Amex SPG
8/8 on hold with Citi AAdvantage
What's my realistic chance in getting the CSP? I could technically wait a few months for the next AOR but would prefer to have it now if possible.
I'm aiming for the CSP with 40k UR for an upcoming huge spend. My recent history:
6/17 approved Ink Bold for the 60k bonus
6/22 denied Ink Plus?
8/8 instantly approved for Chase Hyatt
8/8 instantly approved for Amex SPG
8/8 on hold with Citi AAdvantage
What's my realistic chance in getting the CSP? I could technically wait a few months for the next AOR but would prefer to have it now if possible.
Aug 9, 2013, 7:01 pm
#1255
Join Date: Feb 2013
Posts: 1,818
Currently have the Chase United, paid off in full. Credit Sesame scores are excellent (790s), I've been with Amex for > 10 years and some time with Chase but almost zero with Citi.
I'm aiming for the CSP with 40k UR for an upcoming huge spend. My recent history:
6/17 approved Ink Bold for the 60k bonus
6/22 denied Ink Plus?
8/8 instantly approved for Chase Hyatt
8/8 instantly approved for Amex SPG
8/8 on hold with Citi AAdvantage
What's my realistic chance in getting the CSP? I could technically wait a few months for the next AOR but would prefer to have it now if possible.
I'm aiming for the CSP with 40k UR for an upcoming huge spend. My recent history:
6/17 approved Ink Bold for the 60k bonus
6/22 denied Ink Plus?
8/8 instantly approved for Chase Hyatt
8/8 instantly approved for Amex SPG
8/8 on hold with Citi AAdvantage
What's my realistic chance in getting the CSP? I could technically wait a few months for the next AOR but would prefer to have it now if possible.
That's why you were denied the Ink Plus on 6/22. Almost impossible to get approved for two business cards in the same week or two personal cards in the same week from Chase. YMMV with the recon calls though...
Aug 10, 2013, 10:02 am
#1256
Join Date: Nov 2009
Location: Kuala Lumpur
Programs: UA MR UR AA
Posts: 107
Probably impossible to get instantly approved since the Chase Hyatt already instantly approved on 8/8. Actually i'm pretty sure it's impossible period as the computer automatically blocks you from applying two cards in the same week (auto denial). However If you call recon and have a good story then maybe.
That's why you were denied the Ink Plus on 6/22. Almost impossible to get approved for two business cards in the same week or two personal cards in the same week from Chase. YMMV with the recon calls though...
That's why you were denied the Ink Plus on 6/22. Almost impossible to get approved for two business cards in the same week or two personal cards in the same week from Chase. YMMV with the recon calls though...
I'll hold off the CSP then, no reason to push my luck since my spend will only start to come in sometime in October. Will try the recon line with Citi first.
Aug 10, 2013, 10:34 am
#1257
Join Date: Feb 2013
Posts: 1,818
Thanks SuperKirby. The only reason I'm a bit hopeful is that my spouse got both the Plus approved instantly and the Bold approved after about a week.
I'll hold off the CSP then, no reason to push my luck since my spend will only start to come in sometime in October. Will try the recon line with Citi first.
I'll hold off the CSP then, no reason to push my luck since my spend will only start to come in sometime in October. Will try the recon line with Citi first.
Aug 13, 2013, 4:33 pm
#1258
Join Date: Jul 2010
Location: SF Bay Area, CA
Programs: Marriott Silver
Posts: 133
Strategy for Chase Cards With High Amount of Credit Already Extended
I've been pretty conservative in my credit card churning (about 2-3 cards a year), but am getting a bit more aggressive and need some advice from those of you who have gone before.
I currently hold 3 Chase cards (Southwest, United, and Marriott) and have a pretty large combined credit limit with Chase between these three cards -- $75K. This is way, way, way more than I need.
My Southwest card's anniversary date is coming up in October, and I plan to cancel it before the annual fee is due.
But I also plan to apply for a Chase Sapphire Preferred in the next few weeks. I'm guessing there is a decent chance I won't be approved for it given that Chase has extended me so much credit already.
So, does it make sense to go ahead and cancel the Southwest card before applying for the Sapphire to increase my chances of getting the Sapphire? Or do I simply wait and call the reconsideration line if I'm denied the Sapphire and see if they can move credit limits around so that I can be approved? What has a higher chance of success? I'm planning to move most of my spending to the Sapphire and hold it long-term, so I don't want to miss my chance to get this card.
I currently hold 3 Chase cards (Southwest, United, and Marriott) and have a pretty large combined credit limit with Chase between these three cards -- $75K. This is way, way, way more than I need.
My Southwest card's anniversary date is coming up in October, and I plan to cancel it before the annual fee is due.
But I also plan to apply for a Chase Sapphire Preferred in the next few weeks. I'm guessing there is a decent chance I won't be approved for it given that Chase has extended me so much credit already.
So, does it make sense to go ahead and cancel the Southwest card before applying for the Sapphire to increase my chances of getting the Sapphire? Or do I simply wait and call the reconsideration line if I'm denied the Sapphire and see if they can move credit limits around so that I can be approved? What has a higher chance of success? I'm planning to move most of my spending to the Sapphire and hold it long-term, so I don't want to miss my chance to get this card.
Aug 13, 2013, 5:20 pm
#1259
Formerly known as vgandhi
Join Date: May 2011
Programs: Delta 1 MM and Platinum, United Premier Platinum, Starwood Gold, Club Carlson Gold, Choice Gold
Posts: 623
Strategy for Chase Cards With High Amount of Credit Already Extended
Yes I think you should cancel the card and wait a little bit before you apply
Aug 13, 2013, 5:20 pm
#1260
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA EXP, DL-Plat, WN-CP | Hotels: Choice-Gld, IHG-Plt, Rad-Gld, HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,889
I've been pretty conservative in my credit card churning (about 2-3 cards a year), but am getting a bit more aggressive and need some advice from those of you who have gone before.
I currently hold 3 Chase cards (Southwest, United, and Marriott) and have a pretty large combined credit limit with Chase between these three cards -- $75K. This is way, way, way more than I need.
My Southwest card's anniversary date is coming up in October, and I plan to cancel it before the annual fee is due.
But I also plan to apply for a Chase Sapphire Preferred in the next few weeks. I'm guessing there is a decent chance I won't be approved for it given that Chase has extended me so much credit already.
I currently hold 3 Chase cards (Southwest, United, and Marriott) and have a pretty large combined credit limit with Chase between these three cards -- $75K. This is way, way, way more than I need.
My Southwest card's anniversary date is coming up in October, and I plan to cancel it before the annual fee is due.
But I also plan to apply for a Chase Sapphire Preferred in the next few weeks. I'm guessing there is a decent chance I won't be approved for it given that Chase has extended me so much credit already.
Why not apply for the CSP and *if* you are not instantly approved, simply call the recon. line immediately and ask them to transfer all but $5k (the min for a visa sig. card) of that card's CL over to the CSP you applied for? And, only if you are unsuccessful in convincing the rep. to do so then offer to cancel the SWA card?
I have a similar amount of CL from Chase and did this exact thing this week (4th personal, 6th card overall approved during instant <10min. recon. call by reallocating CLs between cards without closing a card)
So, does it make sense to go ahead and cancel the Southwest card before applying for the Sapphire to increase my chances of getting the Sapphire? Or do I simply wait and call the reconsideration line if I'm denied the Sapphire and see if they can move credit limits around so that I can be approved? What has a higher chance of success? I'm planning to move most of my spending to the Sapphire and hold it long-term, so I don't want to miss my chance to get this card.