Sep 4, 2015, 8:47 am
Last edit by: beltway
This thread is now archived. For ongoing discussion and the current/updated wiki, see Applying for Chase Credit Cards, 2017 onward. For the archived predecessor thread, see Applying for Chase Credit Cards- Archived 2008-5/2015
Archived: Applying for Chase Credit Cards- May 2015- Jan 2017
Aug 23, 2016, 10:51 am
#4636
Join Date: Oct 2015
Location: BOS, PVD, HYA
Programs: MR, TYP, AA, B6, DL, WN, HH, MB, 2V
Posts: 658
Called recon this AM and was approved. Pretty sure that put me at 6/24...but perhaps I just can't count (or they aren't counting the HP my CU did on a PC).
Anyway, now I need to determine the best way to maximize UR points with the FU and CS(R). I've only had the Barclay's Arrival+ so I've been able to be lazy and not think about maximizing points as everything was the same.
Anyway, now I need to determine the best way to maximize UR points with the FU and CS(R). I've only had the Barclay's Arrival+ so I've been able to be lazy and not think about maximizing points as everything was the same.
5/24 isn't hard pulls, it's new accounts. So if your credit union pulled your report, but continued to report the credit line as the same account (regardless of a new/different physical card), I think you'd be fine, right?
Aug 23, 2016, 11:30 am
#4637
Join Date: Nov 2014
Location: NYC
Posts: 581
Called recon this AM and was approved. Pretty sure that put me at 6/24...but perhaps I just can't count (or they aren't counting the HP my CU did on a PC).
Anyway, now I need to determine the best way to maximize UR points with the FU and CS(R). I've only had the Barclay's Arrival+ so I've been able to be lazy and not think about maximizing points as everything was the same.
Anyway, now I need to determine the best way to maximize UR points with the FU and CS(R). I've only had the Barclay's Arrival+ so I've been able to be lazy and not think about maximizing points as everything was the same.
There are threads in this forum, some pinned, that can help you figure out how to maximize your UR points.
Aug 23, 2016, 12:51 pm
#4639
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Well, the number of inquiries is irrelevant to 5/24. (And that note is in the 5/24 section.)
However, it may not be irrelevant to Chase overall.
Someone at 2/24 but with 100 inquiries in the past 6 months is likely to be denied for "too many inquiries", no?
Yes, it's somewhat tricky to get to "too many inquiries" without crossing 5/24, but it's theoretically possible. Lots of failed applications, lots of business card applications, lots of applications too recently to show up on your credit report yet, whatever. (I don't know if 100 is a realistic number, but I just wanted an example that Chase would be quite likely to say is "too much".)
However, it may not be irrelevant to Chase overall.
Someone at 2/24 but with 100 inquiries in the past 6 months is likely to be denied for "too many inquiries", no?
Yes, it's somewhat tricky to get to "too many inquiries" without crossing 5/24, but it's theoretically possible. Lots of failed applications, lots of business card applications, lots of applications too recently to show up on your credit report yet, whatever. (I don't know if 100 is a realistic number, but I just wanted an example that Chase would be quite likely to say is "too much".)
Aug 23, 2016, 1:13 pm
#4640
Join Date: Jan 2016
Programs: AA, Hyatt, Marriott, Hilton
Posts: 501
From reddit " Yesterday I saw a post that some banker said pre-approval invitation only comes every 6 months after a new card is opened."
I'm hoping Chase ink isn't considered here...
I'm hoping Chase ink isn't considered here...
Aug 23, 2016, 5:19 pm
#4642
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Ink Plus 100K
A friend just received his regular targeted Ink Plus offer in the mail, but this time it was for 100K instead of the usual 60K. Looks like the 5/24 pinch may finally be pinching back.
Aug 23, 2016, 5:38 pm
#4643
Join Date: Oct 2010
Location: Santa Barbara, CA
Posts: 1,277
Damn. Maybe I should open up a Chase checking account as that seems to help some people. Though I can't recall ever receiving an Ink Plus offer in the mail. I currently have an Ink Bold, never had the Plus. Also a Business Explorer.
Aug 23, 2016, 9:02 pm
#4644
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Fairmont Lifetime Platinum, Hyatt Globalist, Hilton Honors Diamond
Posts: 3,041
Great to see but...I would not be celebrating yet. Or anytime soon for that matter #devaluationscoming
Aug 24, 2016, 1:22 am
#4645
Join Date: Jun 2016
Posts: 2,257
[moved to another thread]
Last edited by gnomey; Aug 24, 2016 at 1:43 am
Aug 24, 2016, 7:47 am
#4646
Join Date: Oct 2015
Location: BOS, PVD, HYA
Programs: MR, TYP, AA, B6, DL, WN, HH, MB, 2V
Posts: 658
Well, the number of inquiries is irrelevant to 5/24. (And that note is in the 5/24 section.)
However, it may not be irrelevant to Chase overall.
Someone at 2/24 but with 100 inquiries in the past 6 months is likely to be denied for "too many inquiries", no?
Yes, it's somewhat tricky to get to "too many inquiries" without crossing 5/24, but it's theoretically possible. Lots of failed applications, lots of business card applications, lots of applications too recently to show up on your credit report yet, whatever. (I don't know if 100 is a realistic number, but I just wanted an example that Chase would be quite likely to say is "too much".)
However, it may not be irrelevant to Chase overall.
Someone at 2/24 but with 100 inquiries in the past 6 months is likely to be denied for "too many inquiries", no?
Yes, it's somewhat tricky to get to "too many inquiries" without crossing 5/24, but it's theoretically possible. Lots of failed applications, lots of business card applications, lots of applications too recently to show up on your credit report yet, whatever. (I don't know if 100 is a realistic number, but I just wanted an example that Chase would be quite likely to say is "too much".)
Aug 24, 2016, 9:49 am
#4647
Join Date: Dec 2015
Location: DCA
Posts: 818
Does your friend have a Chase business checking account? Any other ideas on how he may have been targeted?
Aug 24, 2016, 9:57 am
#4648
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
Very doubtful, more likely the points they saved over the last year are one of the main reasons for these higher point offers.
And in the CSR thread here and elsewhere it's a high percentage of new sign ups well under 5/24.
And in the CSR thread here and elsewhere it's a high percentage of new sign ups well under 5/24.
Aug 24, 2016, 12:36 pm
#4649
Join Date: Jul 2016
Location: Dallas, TX
Programs: WN A-List Pref, Hilton Diamond, Marriott Gold, IHG Plat
Posts: 460
I'll reiterate the desire of others to better understand your friend's circumstances. I plan to ditch my lame Spark card for an Ink Plus, but an extra 40k UR would be really sweet.
Aug 25, 2016, 10:44 am
#4650
Join Date: Jun 2013
Posts: 308
So I am sure the answer to this question is somewhere in this 307 page thread but I tried a keyword search and was not able to find the answer (so please do not berate me if this question has already been answered because I tried 
)
I was just denied for the Chase Hyatt and the letter I received was for
"too many requests for credit orr opened accounts with us"
Now I have received the 5/24 denial letter and that one specifically states "in the last 24 months. This one has distinctly different verbiage and I wanted to know if anyone else has gotten this/has a scoop on what it could mean.
Just FYI I currently hold a CSP, both Southwest plus and premier, an IHG, and (unfortunately) the Amazon card through chase.
) I was just denied for the Chase Hyatt and the letter I received was for
"too many requests for credit orr opened accounts with us"
Now I have received the 5/24 denial letter and that one specifically states "in the last 24 months. This one has distinctly different verbiage and I wanted to know if anyone else has gotten this/has a scoop on what it could mean.
Just FYI I currently hold a CSP, both Southwest plus and premier, an IHG, and (unfortunately) the Amazon card through chase.