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
Jul 7, 2015, 3:46 pm
#841
Join Date: Oct 2013
Programs: HH Diamond, Hyatt Diamond, IHG Platinum, Marriott Silver
Posts: 252
Long time listener, first time caller. Got denied the CSP and wanted to provide an interesting data point and experience. I am under the maybe-existing 5 card limit, with a Citi, Chase United, AMEX (charge, not credit), CapitalOne card open under the last 2 years, and had a Chase Sapphire (not preferred) for 4 years before I closed it (stupidly, maybe) in January because I moved abroad. AU on my husbands Chase United card. 765 FICO score, 9 years of credit.
Called 3 times over the last couple days and tried to get them to reconsider, citing the AU and the AMEX being a charge not a credit and asking is 3 cards (or what I consider 3 cards) really too many? Thought I'd go with the ol' "keep calling until you get a yes" approach. The last time I called just now and was told as soon as I gave my reference information that "I see on the account you've already called a couple times regarding this application, and we have already explained that you have opened too many cards in the past 2 years. What further questions do you have?" Was not expecting that one. Any one else been told that they are tracking their number of calls?
Also, resolution of that call was the rep telling me that under no condition would my application be reopened no matter what. Oy vey.
Called 3 times over the last couple days and tried to get them to reconsider, citing the AU and the AMEX being a charge not a credit and asking is 3 cards (or what I consider 3 cards) really too many? Thought I'd go with the ol' "keep calling until you get a yes" approach. The last time I called just now and was told as soon as I gave my reference information that "I see on the account you've already called a couple times regarding this application, and we have already explained that you have opened too many cards in the past 2 years. What further questions do you have?" Was not expecting that one. Any one else been told that they are tracking their number of calls?
Also, resolution of that call was the rep telling me that under no condition would my application be reopened no matter what. Oy vey.
Jul 7, 2015, 4:09 pm
#842
Join Date: Jan 2015
Location: SFO
Programs: PetCo Pals Rewards
Posts: 531
Long time listener, first time caller. Got denied the CSP and wanted to provide an interesting data point and experience. I am under the maybe-existing 5 card limit, with a Citi, Chase United, AMEX (charge, not credit), CapitalOne card open under the last 2 years, and had a Chase Sapphire (not preferred) for 4 years before I closed it (stupidly, maybe) in January because I moved abroad. AU on my husbands Chase United card. 765 FICO score, 9 years of credit.
Called 3 times over the last couple days and tried to get them to reconsider, citing the AU and the AMEX being a charge not a credit and asking is 3 cards (or what I consider 3 cards) really too many? Thought I'd go with the ol' "keep calling until you get a yes" approach. The last time I called just now and was told as soon as I gave my reference information that "I see on the account you've already called a couple times regarding this application, and we have already explained that you have opened too many cards in the past 2 years. What further questions do you have?" Was not expecting that one. Any one else been told that they are tracking their number of calls?
Also, resolution of that call was the rep telling me that under no condition would my application be reopened no matter what. Oy vey.
Called 3 times over the last couple days and tried to get them to reconsider, citing the AU and the AMEX being a charge not a credit and asking is 3 cards (or what I consider 3 cards) really too many? Thought I'd go with the ol' "keep calling until you get a yes" approach. The last time I called just now and was told as soon as I gave my reference information that "I see on the account you've already called a couple times regarding this application, and we have already explained that you have opened too many cards in the past 2 years. What further questions do you have?" Was not expecting that one. Any one else been told that they are tracking their number of calls?
Also, resolution of that call was the rep telling me that under no condition would my application be reopened no matter what. Oy vey.
If you aren't in it for the bonus, I have heard of people reopening closed cards, which you could then try to upgrade. But not sure if this is possible after so long.
Jul 7, 2015, 5:21 pm
#843
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Jul 7, 2015, 5:42 pm
#844
Join Date: Feb 2003
Location: On strike
Posts: 8,135
- the CSR's spiel did not invoke a specific number of recent applications, and
- the applicant was, unlike those affected by the 5/24 policy, able to get approval
Sorry to burst your logical fallacy.
Last edited by StartinSanDiego; Jul 8, 2015 at 11:07 am Reason: Remove personal information
Jul 7, 2015, 8:08 pm
#845
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
Applied for many cards over the past 2 years. 800+ fico.
Recon line gave me a hard time with my Marriott co branded card approval. Said I seem to be credit seeking (getting cards just for rewards) because on one of my many Chase cards, I didn't do more than minimum spend. Also said my total credit line was too high relative to income.
Reluctantly approved me after moving credit
Recon line gave me a hard time with my Marriott co branded card approval. Said I seem to be credit seeking (getting cards just for rewards) because on one of my many Chase cards, I didn't do more than minimum spend. Also said my total credit line was too high relative to income.
Reluctantly approved me after moving credit
So it's unclear if rchen404 would even have gotten such a hard time had they not stopped spending after meeting minimum spend.
I never stop spending completely after meeting minimum spend on my Chase cards any more. It's not that I do huge spend, but for example my United card I used overseas for some hotels on a recent trip (because it was one of my Chase cards with 0% forex and the only one of those that I'm planing to cancel), and before that I used it for MileagePlus Dining some after the turn of the year (when I needed 11 dines in the new year to maintain VIP status through next year).
At any rate, because of the mention of "no spend after meeting minimum spend" on previous Chase cards, plus the mention of "too high a credit limit relative to income" on existing cards, I'm not all sure that the above anecdote says anything about the new "toughness" relating to number of cards opened.
Jul 7, 2015, 8:48 pm
#846
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
Hello! Let's just skip to the obvious punch line. rchen404 was not auto-approved and had to call in because s/he was up against his/her maximum credit limit with Chase and needed to move some around. Nothing new here folks.
I will say however, recon has obviously been instructed on some new policy involving too many new cards and Chase brand personal cards. And now it seems, with their new wide open eyes, they're throwing some weight around before approving co-brands. I suspect in the beginning reps were blanketly applying this new "policy" and quickly throwing around the "too many cards" excuse (possibly out of confusion), but have eased up after being retrained (for whatever reason) on the co-brands.
I also feel reps will use whatever excuse is easiest even though the denial letter may say something completely different (some reps will say anything).
What does all this mean to me? Aim for auto-approval via tried and true methods in order to skip the grilling. And then if I don't get auto-approved, wait it out without calling in.
I will say however, recon has obviously been instructed on some new policy involving too many new cards and Chase brand personal cards. And now it seems, with their new wide open eyes, they're throwing some weight around before approving co-brands. I suspect in the beginning reps were blanketly applying this new "policy" and quickly throwing around the "too many cards" excuse (possibly out of confusion), but have eased up after being retrained (for whatever reason) on the co-brands.
I also feel reps will use whatever excuse is easiest even though the denial letter may say something completely different (some reps will say anything).
What does all this mean to me? Aim for auto-approval via tried and true methods in order to skip the grilling. And then if I don't get auto-approved, wait it out without calling in.
Last edited by Ed Janowsky; Jul 7, 2015 at 9:18 pm
Jul 7, 2015, 9:57 pm
#847
Join Date: Jan 2013
Posts: 153
This was a mostly ignored post in the biz UA thread from May
Since I haven't heard this cited as a reason for denial elsewhere, I'd think this isn't a new bright-line rule like the 5 accounts/2 years, but worth considering. Also somewhat supports idea that biz cards have a different rule than personal.
Rejected for this card under the explanation that 2 chase business cards had been previously applied for in 12 months.
Jul 8, 2015, 9:26 am
#848
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
This was a mostly ignored post in the biz UA thread from May
Since I haven't heard this cited as a reason for denial elsewhere, I'd think this isn't a new bright-line rule like the 5 accounts/2 years, but worth considering. Also somewhat supports idea that biz cards have a different rule than personal.
Since I haven't heard this cited as a reason for denial elsewhere, I'd think this isn't a new bright-line rule like the 5 accounts/2 years, but worth considering. Also somewhat supports idea that biz cards have a different rule than personal.
We have not tried any co-branded biz cards, although the United biz card is next up.
Jul 8, 2015, 12:30 pm
#849
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,089
Mod hat on-
Name calling, including the word troll, is strictly prohibited by our Rules. I would appreciate it if everyone would review Rule #12 here: http://www.flyertalk.com/help/rules.php#welcoming
Play nice or don't post. Thank you.
Mod hat off-
Name calling, including the word troll, is strictly prohibited by our Rules. I would appreciate it if everyone would review Rule #12 here: http://www.flyertalk.com/help/rules.php#welcoming
Play nice or don't post. Thank you.
Mod hat off-
Jul 9, 2015, 12:35 pm
#850
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
Marriott churned
Success in churning a Marriott (last held over 2 years ago).
- have TONS of credit pulls in last 6 months (let alone last 2 years)
- had 2 other Chase co-brand cards I lowered to $5k each about two weeks before applying
- applied night of July 4 and got a pending (not auto-approve or invitation to call in)
- today 5 days later, called automated number and was approved with giant credit line
Possible Lessons (largely consistent with recent reports):
a) co-branded cards (at least Marriott) do appear safe to apply for as recent posts have indicated
b) having massive credit pulls will not sink you
c) lowering credit lines a few weeks out might avoid recon
d) DO NOT CALL recon pro-actively if not auto-approved!
e) I'm thinking *maybe* my application was handled generally by a computer since if there was some new risk concerns from Chase based on my application history, an analyst may not have given such a large credit line on the new card.
- have TONS of credit pulls in last 6 months (let alone last 2 years)
- had 2 other Chase co-brand cards I lowered to $5k each about two weeks before applying
- applied night of July 4 and got a pending (not auto-approve or invitation to call in)
- today 5 days later, called automated number and was approved with giant credit line
Possible Lessons (largely consistent with recent reports):
a) co-branded cards (at least Marriott) do appear safe to apply for as recent posts have indicated
b) having massive credit pulls will not sink you
c) lowering credit lines a few weeks out might avoid recon
d) DO NOT CALL recon pro-actively if not auto-approved!
e) I'm thinking *maybe* my application was handled generally by a computer since if there was some new risk concerns from Chase based on my application history, an analyst may not have given such a large credit line on the new card.
Jul 9, 2015, 2:17 pm
#851
Join Date: Nov 2006
Location: LAX
Posts: 2,851
Success in churning a Marriott (last held over 2 years ago).
- have TONS of credit pulls in last 6 months (let alone last 2 years)
- had 2 other Chase co-brand cards I lowered to $5k each about two weeks before applying
- applied night of July 4 and got a pending (not auto-approve or invitation to call in)
- today 5 days later, called automated number and was approved with giant credit line
Possible Lessons (largely consistent with recent reports):
a) co-branded cards (at least Marriott) do appear safe to apply for as recent posts have indicated
b) having massive credit pulls will not sink you
c) lowering credit lines a few weeks out might avoid recon
d) DO NOT CALL recon pro-actively if not auto-approved!
e) I'm thinking *maybe* my application was handled generally by a computer since if there was some new risk concerns from Chase based on my application history, an analyst may not have given such a large credit line on the new card.
- have TONS of credit pulls in last 6 months (let alone last 2 years)
- had 2 other Chase co-brand cards I lowered to $5k each about two weeks before applying
- applied night of July 4 and got a pending (not auto-approve or invitation to call in)
- today 5 days later, called automated number and was approved with giant credit line
Possible Lessons (largely consistent with recent reports):
a) co-branded cards (at least Marriott) do appear safe to apply for as recent posts have indicated
b) having massive credit pulls will not sink you
c) lowering credit lines a few weeks out might avoid recon
d) DO NOT CALL recon pro-actively if not auto-approved!
e) I'm thinking *maybe* my application was handled generally by a computer since if there was some new risk concerns from Chase based on my application history, an analyst may not have given such a large credit line on the new card.
How many credit card pulls within 6 months of applying?
Jul 9, 2015, 2:23 pm
#852
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
I don't have a definitive answer on the second, but probably 7-9 depending on the bureau, of which all led to a new account (plus I'm likely authorized on a bunch more). In short, I was in the "danger zone" for recent requests for credit even before the potential Chase changes, and it didn't preclude me from getting the Marriott.
Jul 10, 2015, 5:19 am
#854
Join Date: Dec 2014
Posts: 26
Sds, I only did minimum spend on one of my 8 or 9 Chase cards.
Actually, Chase not liking people who only do the minimum spend and nothing else is not new, and way predates the May introduction of the anti-churning tendencies (for at least personal UR).
So it's unclear if rchen404 would even have gotten such a hard time had they not stopped spending after meeting minimum spend.
I never stop spending completely after meeting minimum spend on my Chase cards any more. It's not that I do huge spend, but for example my United card I used overseas for some hotels on a recent trip (because it was one of my Chase cards with 0% forex and the only one of those that I'm planing to cancel), and before that I used it for MileagePlus Dining some after the turn of the year (when I needed 11 dines in the new year to maintain VIP status through next year).
At any rate, because of the mention of "no spend after meeting minimum spend" on previous Chase cards, plus the mention of "too high a credit limit relative to income" on existing cards, I'm not all sure that the above anecdote says anything about the new "toughness" relating to number of cards opened.
So it's unclear if rchen404 would even have gotten such a hard time had they not stopped spending after meeting minimum spend.
I never stop spending completely after meeting minimum spend on my Chase cards any more. It's not that I do huge spend, but for example my United card I used overseas for some hotels on a recent trip (because it was one of my Chase cards with 0% forex and the only one of those that I'm planing to cancel), and before that I used it for MileagePlus Dining some after the turn of the year (when I needed 11 dines in the new year to maintain VIP status through next year).
At any rate, because of the mention of "no spend after meeting minimum spend" on previous Chase cards, plus the mention of "too high a credit limit relative to income" on existing cards, I'm not all sure that the above anecdote says anything about the new "toughness" relating to number of cards opened.
Jul 11, 2015, 11:28 am
#855
Join Date: Jan 2005
Posts: 492
I would call them back and ask for the AU cards to be removed. My wife recently got denied for CSP for the same reason, she has 4 new accounts and is an AU on one of mine. The first line rep was able to remove the AU and reconsider the app. It was then denied for lack of sufficient credit history. Find that odd since among her last 4 cards were the amex personal platinum and personal gold. Once I get the official denial letter for the lack of credit history, plan on calling back and escalating to see if we can get the decision reversed.
