g8trgr8t

Am I correct to assume that you received the bonus with each new ink for each different business?

dodgers702

its on the Marriott 70k/80k wiki thread...it expires the 31st

maxwell109

I'm deeply discouraged by the dismissive and unkind response of some "veterans" of FT when replying to relatively new posters (like myself); this sure doesn't make one feel welcome here. There's no need to call me [redacted personal comment] or to describe my condensation of a lengthy conversation with Chase's Underwriting department as "[redacted}." I was only reporting what the Chase rep himself told me: (1) Chase had only very recently "further tightened up its rules" with the result (2) that his hands were tied -- contradicting your statement that "the rep does have the discretion to count AUs or not to count AUs." He told me -- and, remember, I also had my Chase personal banker on the conference call who heard what he said -- this is no longer the case. I was simply trying to provide another data point. It was only at this point that I asked -- in a very calm and rational manner -- whether such a blanket policy might not have the unintended consequence of turning away the very kind of customers Chase might want to attract. I'm sorry if my previous condensation of my part of the conversation led you to the mistaken conclusion that I would brag about our net worth to someone I was trying to get to help me. FWIW, I had read and attempted to use the arguments poster elementofice did in the posts you referenced. I'm just letting folks know those arguments may/may not work (if what the Chase underwriting rep told me is true). No need to be nasty.

jsk1973

I've had two Chase apps (IHG and United) pending for 3 weeks and 2 weeks, respectively. Both went from "30 days" to "approximately 2 weeks" to, a couple days ago, the dreaded "7 to 10 days."

While in the shower, I missed a call from 800-935-9935, which Google says is one of Chase's main customer service lines. I'm not a current Chase customer, so there'd be no reason for Chase to be calling me about anything other than my two apps.

Since this number doesn't seem to be for either lending or verification and no message was left, I'm wondering if it might have been a scammer spoofing Chase's number rather than Chase. Has anyone else ever gotten a call from the above number during the app process? Thanks.

dodgers702

Its funny you mention that because I just had a missed call from a 302-427-3930 that when i googled it seems to either be scam or chase services. It looks like it is associated with lending services who i definitely do not want to avoid...I submitted my marriott application on the 7th of this month and had been getting the 30 day automated message. Have not had a chance to call after the phone call to see if it has changed.

Long Islander

I called the recon line with my wife who authorized me to speak on her behalf. I called close to 4PM EST on a weekday, hoping that I'd be able speak with a senior service specialist ("SSS"). The CSR I got at first was very unhelpful, simply repeating a couple of times that wife opened too many cards in last 2 years. He said quite specifically that he could not tell me how many is too many and didn't say anything about AU cards. He said the length of time the cards were open was also taken into account and that they could not get a complete credit history or credit usage with recently opened accounts. I pointed out that her CR showed cards dating back to 2004 and 2006, but he just kept repeating the same thing. I then asked to speak with a SSR.

The SSR said she had 7 cards. I pointed out that only 4 of those were in her own name (I didn't say anything about the closed accounts). I named specifically the opening dates of the ones in her name and the type of card and similarly for the AU cards. He said the CR that Chase sees is not as detailed as what the consumer gets (mine was from Experian) and simply treats all cards the same, whether you're just an AU or primary (is that true?). He then asked to verify income and home ownership/mortgage info and put me on hold. He asked nothing about why each card was opened and never said anything about the cards that were closed. He came back after a few minutes and said he input the info I gave him and that it would be reviewed by a higher level reviewer and we'd get a reply within 2 weeks.

The fact that he didn't approve on the spot leads me to believe that we'll get another denial.

My lesson learned is don't become an AU on your spouse's card and vice versa.

I'll keep everyone posted.

jsk1973

I'm guessing mine might have been a coincidence — a scammer spoofing a number from a company with which I happen to have pending business — but yours looks like it definitely was a scam. Googling it brings up several different company names, and I can't recall anyone getting a call from a number that wasn't toll-free.

Denver Enzo

Wife applied for Hyatt Visa via the link (2 nights and $50 credit) on the Hyatt reservation search. Result "we need to review your application". Called app status line 10 minutes later: Approved for $29,000 line! Already showing on her Chase online profile.

She has 6 Experian inquiries in the last 6 months, and MANY new accounts. (Mostly Citi). She did reduce her credit line on the United Explorer from 24k to 6k about 3 weeks ago.

jsk1973

Decided to take a chance and call Chase, since it looked like I was probably already declined (i.e., I was getting the "7 to 10 days" message). The CSR put me on hold and was going to connect me to lending, but then came back and said my apps were being handled by verifications, which was closed. I'll call back tomorrow and see what happens.

AXR64

Well, what do you know, I log into my account this evening and I see the new card there. Called the automated line and it says approved.

Still I wonder - 22 days? All my previous Chase apps have been approved instantly or the next day. Something definitely has changed in the way Chase processes CC apps.

Thanks for all the info provided in this thread.

beltway

Three responses:

1) A single data point from a random Chase CSR establishes nothing, let alone that the wiki is outdated.

2) Even if the Chase CSR is correct -- and we'll need a lot more corroboration to decide that -- what he said is completely consistent with the part of the wiki you claim is unreliable.

Suppose you hold a CSP AU card on an account for which your spouse is primary, and you have opened no other new cards of any type (primary or AU) in the last 24 months. Your 5/24 count is < 5, so you are eligible (all else being equal) for your own CSP & bonus.

Now assume same facts, but you have 4 new AU cards (including the CSP AU) and one new primary card in the last 24 months. Your CSP AU brings you up to the 5/24 threshold, making you ineligible for the CSP based on initial review.

3) The only thing that has allegedly changed according to your account is that Chase will supposedly no longer relent & exclude AU cards even if you escalate to a supervisor. (If so, a separate section in the wiki would need updating. But see item #1 above.) It is still 100% true that your CSP AU card prevents you from getting your own CSP & bonus only to the extent it is included in the 5/24 count, regardless of whether your CSR was right or wrong.

STLBeerMan

Did you get a welcome email before the card showed up online? I've got a CSP app that has been in pending status for 22 days. I thought Christmas was slow... Well, maybe Chase is slow because of Christmas. Who knows.

waylook

Yes, we got the (70K) signup bonus with each one.

STLBeerMan

Approved for CSP through call to Auto Status line. No email or online card popup. Also, no inquiry on application date (12/7) but hard EFX pull this morning (day 22). Approved for United Explorer on 10/24 with TU hard pull. Was hoping they would use initial pull. No such luck.

RobertHanson

We always need multiple data points to confirm a change in policy with any bank. But this is Chase, not Citi aka "Citi CSRs are clueless, and make stuff up"....

So I'm not going to ignore this CSR comment until there are more data points.

I wonder why people keep saying that having 5 new accounts in 24 months is an instant denial? The actual rule, AFAIK, is MORE than 5 in 24 gets an instant denial. Exactly 5 in 24 is YMMV, depending on how much Chase likes you. History with Chase, length of credit history overall, FICO, income, etc all come into play. So yes, some have be denied with only 5 in 24, but AFAIK not simply because of 5/24.