kingofkingsforu

u should be good to go. apply for both personal cards on the same day, so u can combine pulls and do not call if it is in pending status. you will get it approved.

tkduke77

While I agree on the sentiment, not quite sure I understand why the Freedom would be considered a churning card. It's a card you hold for the long term and put significant spend on every year.

StartinSanDiego

I think this is a bit oversimplified. Chase does not appear to "blacklist" churners, they simply deny you a card. Usually this will be a proprietary card. They don't hold a grudge, although some applications will ask if you've been denied credit by Chase within the past 6 months. So you are welcome to toss your hat into the ring and try again at any point. Chase does seem to blacklist people who have their accounts shut down, though.

Case in point: Mr SD was denied a co-branded card (Marriott) in October for "too many recent applications." He was approved for a BA card in December. Between October (the Marriott card was the first card of a small AOR) and December, he has about 5 NEW, non-Chase cards, a much larger aggregate line of available credit, and a similar debt to income & Fico. In other words, he was higher risk in December than in October, according to some criteria.

TMM1982

So just answer no

Scott Kiwi

So typical of Chase to respond to my inquiries by rebuilding the wheel. I set out what happened and why, and they responded that they couldn't tell me if I would be accepted for a card until I applied. That response totally ignored the set of facts I sent them about being denied a card when I had asked to withdraw the application. I'm done with Chase, but it will take some time to exit on my terms.

MarkMColo

You are aware of the "5/24 rule" Chase is using with the CSP, right? I would say they are turning down quite a few folks here with very good credit scores. I won't comment on whether it is "punitive" or not, but it's definitely not personal. And how exactly does being turned down - in and of itself - affect your credit rating?

If you are choosing to be "done with Chase", so be it. But based on my experience and many others who post in this thread, I suspect you may very well be approved for the Marriott card, with increased chances for approval if you simply wait it out if the application goes into pending status, rather than calling recon.

jsk1973

I thought the Freedom was sort of an accessory to churning — i.e., by keeping a Freedom open, people's points remain active and they can churn the CSP.

Right, that's what I was talking about. Once Chase labels someone a problem, there's clearly a blacklist. Otherwise, since most churners have at least a good credit score, they'd have no way to weed out repeat offenders. Whether it's an actual blacklist or something of a screen that sends such applicants to manual review, there has to be a blacklist-type mechanism in place.

maxwell109

Sapphire Preferred denial -- 817 credit score -- 3 credit applications in the past 2 years (none with Chase): I applied for the CSP with an 817 credit score and was denied. The analyst told me my denial was because I had opened too many accounts in the past 2 years. I opened three (3): a Citi Thank You Premier card (so I could transfer points strategically to my husband's Citi Prestige card, a Citi AAdvantage card (because we fly AA most of the time) and a Barclay's Aviator Red (a legacy USAirways MasterCard so I really didn't apply for the replacement). I never carry any balance on my cards and have a spotless credit history. Do I have any basis for appealing Chase's decision?

RobertHanson

Chase doesn't blacklist people for churning per se.

They may deny apps from someone who applied for a series of their cards, did the min spnd, got the points, and immediately canceled the cards.

But if you churn and also use the cards, keep them open for around a year while spending on them, then close them and reapply after 24 months, you will not be "blacklisted".

Obviously the CSP, Freedom, and Slate are treated differently. But again, it's not actually a question of churning. If you have 6 AU accounts, and not a single Primary account, which could hardly be called churning, you will be auto denied for a CSP. Strange but true....

RobertHanson

It makes no sense to be denied with stellar credit for opening 3 accounts in 24 months. HUCA.

aza72

Were you an AU on any of your husband's cards?

maxwell109

Yes, but I only applied after reading in one of the reliable travel blogs that this wasn't an issue. Also, when I talked to the second analyst (I tried HUCA), she said that the issue was -- specifically -- the three (3) applications I listed. I also closed my Barclay Aviator Red about 6 months ago because (a) it did not have the 10,000 mile annual renewal bonus and (b) it duplicated benefits on the Citibank AAdvantage card. The analyst didn't mention being an AU on my husband's CSP as an issue. I feel like a hard pull has been wasted; is there anything I can do to appeal Chase's decision besides HUCA (which didn't work)?

aza72

So Chase looks at number of opened cards in the past 24 months. You can get a good sense of what they see by pulling your CreditKarma report, and looking at the cards (not inquiries). Even if you closed the card, if it was opened in the past 24 months. AU cards also seem to be be counted by the algorithm, but you may be able to talk to a supervisor and get them waived.

If the supervisor doesn't work, you can remove yourself as an AU and register a dispute with the bureaus you can get the card removed, confirm that is removed on CreditKarma and apply again.

tkduke77

People certainly use it that way, but my wife does not have the CSP. I would guess the vast majority of Freedom card holders don't have the CSP.

beltway

That word does not mean what you think it means. Any blog that claims AU cards don't matter to Chase isn't worth the electrons it's printed on.