Originally Posted by mymilesandpoints (Post 27110168)

I just want to add my data points in here and some conclusions I can draw.

I am a 7/24, with a FICO score of 740+. 3 months ago I tried applying for a Chase United Club card and was denied online for having "too many accounts". A call to the reconsideration desk yielded nothing, thus falling under the 5/24 sword.

Having seen all the coverage over the last 2 days, I took everyone's advice and went to the branch today (Day 2) after work. It seems like the branch in Tribeca has quite a fair bit of people applying for the Chase Sapphire Reserve to the point where one of the guys waiting in the waiting area chuckled when I mentioned to the banker I was there to see if I was pre-approved for Chase Reserve. I had a conversation with him and he mentioned that he was way over 5/24 and also trying to see if he can snag an offer from the branch. He went first, and when he came back he said he was denied. I went next, and thankfully, I was prequalified for not just the Chase Reserve, but apparently also the Chase United Club which I was denied 3 months ago.

This is where, I think it might be interesting. Yes I was approved, but it seems from the gentleman's experience before me , it wasn't just about walking into the branch. There must be something more to why I was pre-approved and he wasn't. When I read the terms and conditions that the banker printed out for me, I noticed something interesting. On the sheet called "Disclosure", it says: "You were selected for ... based on 1) information in your credit report or 2) an existing Chase relationship. To determine which selection method applied to you, please see the 'Notice About this offer' section in the Credit Card Terms & Conditions."

So i flipped to the T&C, and lo and behold, in extremely tiny print, it says, "you were selected for this offer based on your existing relationship with Chase."

I don't have Chase Private Client, I do not have $10,000 with Chase in a checking account. I do not even have direct deposit set up with them. All I had that I know of my 'relationship' with them is 1) a checking account since 2009, 2) a chase sapphire preferred credit card since 2013, and 3) a regular payment of my credit card since 2013 - no carry over balance ever, always pay my bills.

Thus, I would posit that the way pre-qualifying works in-branch is NOT based on the 5/24 rule (they didn't even ask for a social security number), but based on some kind of relationship metric internally.

Hope my data point is useful for any one out there who might have failed with 5/24, that maybe there's another chance.

Originally Posted by giesen5 (Post 27110712)

Quick question about AU's. How soon can I remove them? Let's say I got a card 3-4 months ago and immediately added the AU to get the additional mileage bonus. Can I remove the AU now and not be penalized?

Originally Posted by BoarderX (Post 27110639)

My situation was very similar. After recon line review yesterday and moving some CL over, it was bumped to next-level review: verification. The verification line was closed by 5:15p Pacific so I called this morning and finished the job. Approved. If I hadn't called, the recon line agent said it might take a while for verification to get back to me.

Originally Posted by JMWEEZ (Post 27110496)

SCRA applies to debt incurred only prior to entering active duty. I'm pretty sure this applies to ANG/reserves if they are called to AD. Its well known that Chase pretty much won't waive the annual fee for service members and they are not legally obliged to do so.

Originally Posted by reverted (Post 27110838)

Can't comment on getting penalized for removal but there is no bonus for adding an AU for the CSR. Just that it will cost you $75 per AU card.

Originally Posted by Dr Jabadski (Post 27110867)

Chase has better military benefits than any other bank/credit card issuer. Upon calling credit card customer service, after inputting the account number of a card covered under SCRA, automatically routed to a dedicated Military Services customer service department, with exceptionally knowledgeable and effective agents, mostly family members of military. Free checking account, personal or business, with no minimums... No complaints at all as to how Chase treats veterans.

Originally Posted by sdsearch (Post 27110312)

Why do they even bother? :confused:

Anyone without any special credit card can enroll in Avis Preferred. :rolleyes: It is absolutely free to all, with no rental history requirements.

Meanwhile, MasterCard World Elite cards (issued in the USA) come with Avis Preferred Plus. (That requires a dozen rentals in a calendar year or many thousands in spend in a calendar year.) Why then is it not Avis Preferred Plus that this card is giving away, instead of the meaningless to "give away with a card" Avis Preferred? :confused:

(Avis Preferred Plus is a replacement for the former Avis First subprogram.)

Originally Posted by act0fgod (Post 27110160)

I was approved yesterday in branch. I signed paperwork acknowledging the terms and the bonus (interestingly they didn't tell me the interest rate but said it would be either 16.24% or 23.24%). I have copies of all the paperwork. The banker said yup your approved card will arrive in 7-10 days in a white envelope from UPS.

It is my 6th card which is why I went into the branch. That being said I don't see the card when I login to chase.

I also signed up for a checking account and the checking account is showing.

Are other people seeing the card in their chase account immediately after signing up?