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
Dec 22, 2015, 4:46 pm
#2326
Join Date: Nov 2014
Location: IAD/DCA/BWI
Programs: Marriott Gold, SPG Gold, AA Gold, Hyatt Platinum, Virgin America Elevate Gold
Posts: 225
Went in to my branch today and applied. Was declined. Said the reasons were opened CSP and Chase United in the last 60 days, which is true, and my business has no credit history. I explained it's a sole prop, and is registered with State, didn't matter. They asked if I had any other credit for the business I told them the only loan I ever had was paid off about 15 years ago. They said sorry, no business credit to report or look at and stated business income isn't enough. Sigh...
Dec 22, 2015, 5:20 pm
#2327
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
There are numerous data on this thread that people waited out their deferred status and eventually got approvals.
Last edited by StartinSanDiego; Dec 23, 2015 at 9:37 am Reason: removed personal attack
Dec 22, 2015, 8:05 pm
#2328
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,929
Listen you're a real piece of work, do not direct any posts my way thank you.
Dec 22, 2015, 11:24 pm
#2329
Join Date: Feb 2003
Posts: 8,135
I take it you haven't bothered to read the explanation in this thread's wiki.
Dec 23, 2015, 12:59 am
#2330
Join Date: Jan 2015
Location: SFO
Programs: PetCo Pals Rewards
Posts: 531
Huh? Have not read the Wiki? It clearly says:
Does the 5/24 rule apply to applications for all Chase cards?
For months we've figured out that 5/24 doesn't apply to business cards (on which you don't call, anyway), nor to personal partner cards (on which you don't call, anyway). That's based on no one having gotten a written rejection for a business card or a personal partner card which mentioned 5/24.No. The rule does not apply to applications for the Ink Plus business card or to co-branded cards such as United, Hyatt, IHG, etc.
while they have reported plenty of denial letters for CSP and Freedom listing 5/24
Dec 23, 2015, 2:38 am
#2331
Join Date: Feb 2015
Posts: 41
Thinking about adding an authorized user to my CSP. I have questions about what an authorized user can and cannot do:
1.) Can authorized users make payments to the card from a separate online chase account login?
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
3.) Can authorized users transfer points to their loyalty accounts without my consent?
4.) Can authorized users transfer points to their UR account without my consent?
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
1.) Can authorized users make payments to the card from a separate online chase account login?
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
3.) Can authorized users transfer points to their loyalty accounts without my consent?
4.) Can authorized users transfer points to their UR account without my consent?
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
Dec 23, 2015, 9:36 am
#2332
Join Date: Nov 2014
Location: IAD/DCA/BWI
Programs: Marriott Gold, SPG Gold, AA Gold, Hyatt Platinum, Virgin America Elevate Gold
Posts: 225
Thinking about adding an authorized user to my CSP. I have questions about what an authorized user can and cannot do:
1.) Can authorized users make payments to the card from a separate online chase account login?
No
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
Not unless you give them your login info
3.) Can authorized users transfer points to their loyalty accounts without my consent?
See above
4.) Can authorized users transfer points to their UR account without my consent?
See above also. Keep in mind that they wouldn't have their own UR account unless they have their own card.
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
1.) Can authorized users make payments to the card from a separate online chase account login?
No
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
Not unless you give them your login info
3.) Can authorized users transfer points to their loyalty accounts without my consent?
See above
4.) Can authorized users transfer points to their UR account without my consent?
See above also. Keep in mind that they wouldn't have their own UR account unless they have their own card.
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
Dec 23, 2015, 9:42 am
#2333
Join Date: Aug 2005
Location: HPN
Programs: not anymore! I'm FREE!
Posts: 3,459
Thinking about adding an authorized user to my CSP. I have questions about what an authorized user can and cannot do:
1.) Can authorized users make payments to the card from a separate online chase account login?
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
3.) Can authorized users transfer points to their loyalty accounts without my consent?
4.) Can authorized users transfer points to their UR account without my consent?
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
1.) Can authorized users make payments to the card from a separate online chase account login?
2.) Can authorized users make a bill pay using their own bank to pay the credit card?
3.) Can authorized users transfer points to their loyalty accounts without my consent?
4.) Can authorized users transfer points to their UR account without my consent?
Basically, I am trying to see if an authorized user can earn points for themselves without my involvement. I would like for the authorized user to be able to earn bonus points, but I don't want to be bothered with asking for payments and point transfer requests.
Although I'm an AU on mrs. snic's Chase accounts, and she's an AU on my accounts, only the primary cardholder's accounts show up when one of us log in to chase.com. Also, there's a link to add existing credit card accounts to your online account, and I've never seen accounts I'm an AU on listed as an account I could add. (Citi is different - you can give an AU access through their citi.com account.)
Dec 23, 2015, 11:18 am
#2334
Join Date: Feb 2010
Location: SAN
Posts: 110
Ink Plus application
I decided I would like to apply for the Ink Plus business card, since I realized I can get 5x points for paying my cell phone and cable bill. I own a rental property, so the rent I collect is what I will use as my business income (approximately $24K). I will apply with my SSN.
I have studied this thread. I realize the Ink Plus card can be very difficult to obtain. I think I have a chance greater than zero, but I don't want to waste a credit pull for no reason.
I have opened 3 credit cards in the past 2 years, and was added as an AU on 1. I've had a Chase Freedom card for a little over 2 years. I spend on it regularly in the bonus categories. In June I got a Chase Hyatt card. In July I applied for CSP. I initially got pending, but called and was able to gain approval. I've spent (and paid off) over $50,000 on the CSP since I opened it. I have a combined total of $72K in available credit with Chase.
From what I have read in this thread, I gather these points are true:
-I should not call in to voluntarily reduce any of my credit lines. If this is an issue Chase may shuffle the money around on their own
-If I receive a pending status, I should NOT call a CSR. This will lead to an interrogation and a likely denial.
-I am under the 5/24 rule, and at any rate this rule does not apply to business accounts. Or is it that business accounts don't count toward the 5/24 rule?
Any other general tips before I apply?
I have studied this thread. I realize the Ink Plus card can be very difficult to obtain. I think I have a chance greater than zero, but I don't want to waste a credit pull for no reason.
I have opened 3 credit cards in the past 2 years, and was added as an AU on 1. I've had a Chase Freedom card for a little over 2 years. I spend on it regularly in the bonus categories. In June I got a Chase Hyatt card. In July I applied for CSP. I initially got pending, but called and was able to gain approval. I've spent (and paid off) over $50,000 on the CSP since I opened it. I have a combined total of $72K in available credit with Chase.
From what I have read in this thread, I gather these points are true:
-I should not call in to voluntarily reduce any of my credit lines. If this is an issue Chase may shuffle the money around on their own
-If I receive a pending status, I should NOT call a CSR. This will lead to an interrogation and a likely denial.
-I am under the 5/24 rule, and at any rate this rule does not apply to business accounts. Or is it that business accounts don't count toward the 5/24 rule?
Any other general tips before I apply?
Dec 23, 2015, 11:50 am
#2335
Join Date: Jan 2013
Posts: 845
advise please...I have a regular sapphire with $30k credit for a few years. I was auto approved for Ink plus 12 days ago with $32k. I would like to apply for the CSP now. I'm concerned with not getting an auto approval because of the combined $62k credit. Should I try to reduce the limit on the sapphire before I apply or apply now and then call recon and transfer credit around. The 5 cards in 24 months is not a problem.
Also, is 2 apps in 12 days a problem at all?
Also, is 2 apps in 12 days a problem at all?
Dec 23, 2015, 12:09 pm
#2336
Join Date: Jan 2013
Posts: 845
wow..haven't churned in a while, but not that long ago calling in after a pending was the norm and usually successful after moving credit around. What changed?..
Dec 23, 2015, 12:10 pm
#2337
Join Date: Nov 2014
Location: IAD/DCA/BWI
Programs: Marriott Gold, SPG Gold, AA Gold, Hyatt Platinum, Virgin America Elevate Gold
Posts: 225
I decided I would like to apply for the Ink Plus business card, since I realized I can get 5x points for paying my cell phone and cable bill. I own a rental property, so the rent I collect is what I will use as my business income (approximately $24K). I will apply with my SSN.
I have studied this thread. I realize the Ink Plus card can be very difficult to obtain. I think I have a chance greater than zero, but I don't want to waste a credit pull for no reason.
I have opened 3 credit cards in the past 2 years, and was added as an AU on 1. I've had a Chase Freedom card for a little over 2 years. I spend on it regularly in the bonus categories. In June I got a Chase Hyatt card. In July I applied for CSP. I initially got pending, but called and was able to gain approval. I've spent (and paid off) over $50,000 on the CSP since I opened it. I have a combined total of $72K in available credit with Chase.
From what I have read in this thread, I gather these points are true:
-I should not call in to voluntarily reduce any of my credit lines. If this is an issue Chase may shuffle the money around on their own
-If I receive a pending status, I should NOT call a CSR. This will lead to an interrogation and a likely denial.
-I am under the 5/24 rule, and at any rate this rule does not apply to business accounts. Or is it that business accounts don't count toward the 5/24 rule?
Any other general tips before I apply?
I have studied this thread. I realize the Ink Plus card can be very difficult to obtain. I think I have a chance greater than zero, but I don't want to waste a credit pull for no reason.
I have opened 3 credit cards in the past 2 years, and was added as an AU on 1. I've had a Chase Freedom card for a little over 2 years. I spend on it regularly in the bonus categories. In June I got a Chase Hyatt card. In July I applied for CSP. I initially got pending, but called and was able to gain approval. I've spent (and paid off) over $50,000 on the CSP since I opened it. I have a combined total of $72K in available credit with Chase.
From what I have read in this thread, I gather these points are true:
-I should not call in to voluntarily reduce any of my credit lines. If this is an issue Chase may shuffle the money around on their own
-If I receive a pending status, I should NOT call a CSR. This will lead to an interrogation and a likely denial.
-I am under the 5/24 rule, and at any rate this rule does not apply to business accounts. Or is it that business accounts don't count toward the 5/24 rule?
Any other general tips before I apply?
Dec 23, 2015, 12:37 pm
#2338
Join Date: Feb 2010
Location: SAN
Posts: 110
EIN?
Any thoughts on whether obtaining an EIN and then applying with that will either hurt or help? I'm tempted, but I almost wonder if using my SSN will be better since I have significant credit history and a decent credit score.
Another question, if I'm denied by SSN, can I reapply with an EIN?
Another question, if I'm denied by SSN, can I reapply with an EIN?
Dec 23, 2015, 12:50 pm
#2339
Suspended
Join Date: Sep 2014
Posts: 3,072
Hard to imagine an EIN with no history is better than an SSN with even mediocre credit.
Dec 23, 2015, 12:51 pm
#2340
Join Date: Feb 2010
Location: SAN
Posts: 110
Follow up
Ok, I submitted the app, I used my SSN. I received the following message:
"Thanks for Applying. Please call us as soon as possible at 1-800-759-4088 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. We look forward to speaking with you.
Please reference #XXX when you call.
We look forward to speaking with you."
However, I got an immediate email saying they will let me know in writing within 30 days. I'm going to sit back and see what happens.
"Thanks for Applying. Please call us as soon as possible at 1-800-759-4088 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. We look forward to speaking with you.
Please reference #XXX when you call.
We look forward to speaking with you."
However, I got an immediate email saying they will let me know in writing within 30 days. I'm going to sit back and see what happens.