Jan 19, 2017, 8:44 pm
Last edit by: StartinSanDiego
Please read this Wiki before posting questions in the thread.
Do not post offers or requests for referral links in this thread! The proper thread for referral offers is here.
All Chase issued cards are here: https://creditcards.chase.com/sitemap
This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis: Table of Contents
Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
Does the 5/24 rule apply to applications for all Chase cards?
How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
Can I apply for a specific Chase card and earn the bonus again after doing so previously?
I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
I wasn't auto-approved. Should I call in?
How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
Should I downgrade or cancel my existing cards before applying?
Useful Chase telephone numbers
This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis:
- Chase Freedom
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- Chase Ink Plus
- Chase Ink Business Preferred
- Marriott Premier Visa
- IHG Rewards Visa/MC
- Hyatt Rewards Card from Chase
- Chase BA Visa
- United MileagePlus Explorer Card; business card
- United MileagePlus Club Card (and business card)
- Southwest Airlines, 4 cards currently available
- Chase Amazon Visa
- Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
- What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
- Does the 5/24 rule apply to applications for all Chase cards?
- How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
- How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
- Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
- Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
- Can I apply for a specific Chase card and earn the bonus again after doing so previously?
- I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
- I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
- I wasn't auto-approved. Should I call in?
- How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
- Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
- Should I downgrade or cancel my existing cards before applying?
- Useful Chase telephone numbers
Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
Chase does not have a known limit. However, several reports (for example) indicate that Chase is highly sensitive to multiple applications within a short time period, and that the second (or subsequent) applications run a substantial risk of being denied. In many cases, this is likely related to Chase's practice of allocating a large credit line (up to an applicant's personal maximum) when approving a new card such as the first application in a series. (See also the discussion below concerning aggregate Chase credit lines.)
What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
Starting in May 2015, Chase began denying applications for its own personal cards (e.g., Sapphire Preferred, Freedom, Slate & Freedom Unlimited) if the applicant's credit report shows that she or he opened 5 or more credit cards with any card issuer in the prior 24 months ("the 5/24 rule").
For a few days in early September 2016, Chase included explicit language ("You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months") on the application page for the Sapphire Reserve card--and then promptly removed it. The absence of this language on landing/application pages for the CSR or any other Chase card is not a reliable indicator of whether the 5/24 policy applies.
See the next section for co-branded cards exempt from the 5/24 policy, and the later section discussing potential ways around 5/24.
For a few days in early September 2016, Chase included explicit language ("You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months") on the application page for the Sapphire Reserve card--and then promptly removed it. The absence of this language on landing/application pages for the CSR or any other Chase card is not a reliable indicator of whether the 5/24 policy applies.
See the next section for co-branded cards exempt from the 5/24 policy, and the later section discussing potential ways around 5/24.
Does the 5/24 rule apply to applications for all Chase cards?
Previously the rule did not apply to applications for the Ink Plus business card or to co-branded cards such as United, Hyatt, IHG, etc. However, on May 22, 2016 Chase extended its 5/24 rule to cover Ink business cards and some co-branded cards. (Note that there were premature reports that Chase Ink Plus would be made subject to the rule in March 2016 (which did not happen), and that all co-branded cards would follow in April 2016 (also did not happen).)
Although we had numerous reports of applications prior to May 22 being denied for a United/Hyatt/IHG/WN card by a CSR citing the 5/24 rule, the available evidence strongly suggested that those applicants had other serious issues--multiple Chase applications in a short period; large existing Chase credit line--and that overzealous CSRs gratuitously (and erroneously) invoked the 5/24 rule in the past as an additional supposed justification for the denial. Thus, it is difficult to separate such false positives from any change in Chase policy.
Instead, the most useful data points are those where an applicant is approved for a Chase card despite being over 5/24. Since May 22, 2016, we have such reports for these co-branded cards (in order from oldest to newest for each card):
For a longer list of cards apparently not subject to 5/24, check this link:
In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:
Please follow discussion in the thread for current updates.
Although we had numerous reports of applications prior to May 22 being denied for a United/Hyatt/IHG/WN card by a CSR citing the 5/24 rule, the available evidence strongly suggested that those applicants had other serious issues--multiple Chase applications in a short period; large existing Chase credit line--and that overzealous CSRs gratuitously (and erroneously) invoked the 5/24 rule in the past as an additional supposed justification for the denial. Thus, it is difficult to separate such false positives from any change in Chase policy.
Instead, the most useful data points are those where an applicant is approved for a Chase card despite being over 5/24. Since May 22, 2016, we have such reports for these co-branded cards (in order from oldest to newest for each card):
- Hyatt (link; link; link; link; link; link; link; link; link; link)
- Marriott business card (link; link; link; link; link; link; link; link; link; link)
- IHG (link; link; link; link; link; link)
- BA (link; link)
For a longer list of cards apparently not subject to 5/24, check this link:
In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:
Please follow discussion in the thread for current updates.
How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
The 24-month count includes personal cards opened at other banks, and even cards on which the applicant is only an authorized user and not the primary cardholder. Chase has been extremely inflexible with this policy, with agents stating that there is nothing they can do to circumvent this restriction. However, in some cases Chase may reconsider a denial if the applicant has <5 new cards excluding cards on which s/he is an authorized user. You may need to escalate to the next level of customer service agent, as many front-line agents seem to be unable or unwilling to remove the authorized user accounts from the count.
Note:
Note:
- The actual cut-off number of recently opened cards may not be 5; it may be lower or perhaps higher, and it may differ for different applicants. Note also that the number of inquiries on a given credit reporting agency (or the total across all CRAs) is irrelevant.
- Cards not reported to EQ/TU/EX, such as most business cards and store charge cards, don't count towards this 5-card limit (for the simple reason that Chase cannot see them). Two FTers had previously reported that even Chase business cards are NOT included in the 5/24 tally, and more recently a third FTer has documented a case where they would have been 6/24 if a Chase business card had been counted. Similar conclusions have also been made by some travel bloggers.
How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
In February 2017, a FTer reported a successful application a day or two after dropping from 5/24 to 4/24. However, because Chase sometimes approves applicants who are at 5/24 exactly (see above), this data point does not conclusively prove that Chase drops cards from its calculation on the exact 24-month anniversary of the previous bonus.
Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
No. Chase uses the information from your credit report, and closing an account doesn't make it disappear.
Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
As to targeted mailers, we have insufficient anecdotal evidence to reach any reliable conclusions. (Reports suggesting no exemption from 5/24 here and here.)
There have been reports of people with more than 5 cards opened in the last 24 months being successful if they are already pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask. Success stories appear to be connected to Chase Private Client (CPC) status and the rollout of the Chase Sapphire Reserve card. In-branch pre-approvals (showing a green screen on the banker's computer) result in automatic approvals. Some (but not all) CPC clients had success in recon calls[[I]citation needed].
There have been reports of people with more than 5 cards opened in the last 24 months being successful if they are already pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask. Success stories appear to be connected to Chase Private Client (CPC) status and the rollout of the Chase Sapphire Reserve card. In-branch pre-approvals (showing a green screen on the banker's computer) result in automatic approvals. Some (but not all) CPC clients had success in recon calls[[I]citation needed].
Can I apply for a specific Chase card and earn the bonus again after doing so previously?
It depends. A Chase card may be "churned" when an entirely new version becomes available. For example, business cards are distinct from personal/consumer cards. Note that simple variations among bonus offers do not amount to new versions/products for purposes of this rule.
Beginning in 2014, Chase began including explicit language in most of its offers, such as the following:
Effective August 2018, Chase imposed stringent additional restrictions on receiving the signup bonus for any version of the Sapphire card. See Sapphire (CSR & CSP) 48 months between bonuses, August 2018 and the master threads for each card (listed above) for details and discussion.
There are four key considerations in determining whether you can churn a given card:
Beginning in 2014, Chase began including explicit language in most of its offers, such as the following:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.
There are four key considerations in determining whether you can churn a given card:
- The 5/24 policy discussed in detail above.
- The 24-month bonus waiting period--in the case of Sapphire cards, the collective 48-month period--is measured not from the date of your previous application (or approval date, if different), but instead from the date you received the signup-related bonus on the previous card, which may be 3-4 months later than the approval date. The same rule applies regardless of the type of signup bonus received (points, miles, or free-night certs); anniversary benefits unrelated to spending requirements, such as annual IHG & Marriott certs, do not count as signup bonuses.
- For cards such as BA Visa where the signup bonus is earned in multiple stages, the most recent reports are that the 24-month clock starts running only on receipt of the last bonus installment. In an older report, one FTer found that the 24 months appear to run from the initial bonus; after some difficulty, another FTer was told the same thing.
- If you still have your old card of the same type, you're ineligible.
- Chase's policy does not indicate whether there is also a minimum waiting period between cancellation and reapplication, and there is not yet sufficient anecdotal evidence from FTers to draw firm conclusions. At a minimum, a prudent churner will wait at least a week or two after cancellation before reapplying so that all of Chase's systems fully reflect that closure. (See first bullet point above.) At least one FTer has reported re-applying successfully 14 days after canceling the previous card.
I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
No. Being an additional user on someone else's account poses no bar to applying for that same card & bonus, except insofar as such cards may count toward the 5/24 rule (as discussed above).
I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
Yes.
In the past, the conventional wisdom among FTers was that you were more likely to hurt your chances by closing an account or reducing CL unilaterally. However, substantial evidence from 2014 onward strongly indicates that Chase is increasingly likely to reject applications (or at least not auto-approve them) where an applicant has an existing total credit line that is high compared to his/her income & spending patterns. (For many members, the threshold appears to be in the $45K-60K range, but that is highly speculative.)
Recent reports suggest that closing accounts and/or voluntarily reducing credit lines increases the odds of auto-approval or in-branch pre-approval. (You can do either by calling or simply sending a secure message through your Chase online account. You do not need to provide a reason for the request.) For best results, keep at least $5K-10K in excess credit; if your application is not approved, you can always contact the reconsideration department and offer to reallocate that portion of your existing credit line. Note: despite allowing credit line to be moved between personal and business accounts in the past, Chase is no longer permitting such reallocation in either direction.
With respect to timing, it is better to reduce any CL as soon as you can conveniently do so, e.g., after meeting the bonus spend on a card you do not plan to use regularly thereafter. (Do not reduce CL on a given card if it would increase your "credit utiilization"--that is, the ratio of outstanding balance to CL--above ~30%. A high credit utilization number is a red flag for banks and can adversely affect your credit score.) Waiting until one's next application to lower a CL is less than optimal, as the reduced CL is not immediately recognized by all of Chase's systems.
There is no known minimum wait between lowering a CL and having the freed-up amount become available for purposes of a new application. A prudent applicant will, as recommended above, plan well in advance; failing that, an applicant would be wise to wait at least 24 hours between lowering a CL and applying for a new card.
In the past, the conventional wisdom among FTers was that you were more likely to hurt your chances by closing an account or reducing CL unilaterally. However, substantial evidence from 2014 onward strongly indicates that Chase is increasingly likely to reject applications (or at least not auto-approve them) where an applicant has an existing total credit line that is high compared to his/her income & spending patterns. (For many members, the threshold appears to be in the $45K-60K range, but that is highly speculative.)
Recent reports suggest that closing accounts and/or voluntarily reducing credit lines increases the odds of auto-approval or in-branch pre-approval. (You can do either by calling or simply sending a secure message through your Chase online account. You do not need to provide a reason for the request.) For best results, keep at least $5K-10K in excess credit; if your application is not approved, you can always contact the reconsideration department and offer to reallocate that portion of your existing credit line. Note: despite allowing credit line to be moved between personal and business accounts in the past, Chase is no longer permitting such reallocation in either direction.
With respect to timing, it is better to reduce any CL as soon as you can conveniently do so, e.g., after meeting the bonus spend on a card you do not plan to use regularly thereafter. (Do not reduce CL on a given card if it would increase your "credit utiilization"--that is, the ratio of outstanding balance to CL--above ~30%. A high credit utilization number is a red flag for banks and can adversely affect your credit score.) Waiting until one's next application to lower a CL is less than optimal, as the reduced CL is not immediately recognized by all of Chase's systems.
There is no known minimum wait between lowering a CL and having the freed-up amount become available for purposes of a new application. A prudent applicant will, as recommended above, plan well in advance; failing that, an applicant would be wise to wait at least 24 hours between lowering a CL and applying for a new card.
I wasn't auto-approved. Should I call in?
It may be better to avoid calling Chase unless your application is denied. Many recent calls on pending applications led to denials, and many people report having success letting applications work their way through the system. Be patient. Time is on your side; increasingly, Chase CSRs are not.
If you do call, expect extensive and possibly hostile questioning. Be prepared to answer questions regarding the need for more credit, past credit apps for both Chase and other banks, income, business finances, etc. Know your CLs with Chase before you call so you know which card/s you are willing to decrease the CLs on. If the app is for a significant other who dislikes such calls, they can authorize you to speak on their behalf and hand the phone over to you.
If you do call, expect extensive and possibly hostile questioning. Be prepared to answer questions regarding the need for more credit, past credit apps for both Chase and other banks, income, business finances, etc. Know your CLs with Chase before you call so you know which card/s you are willing to decrease the CLs on. If the app is for a significant other who dislikes such calls, they can authorize you to speak on their behalf and hand the phone over to you.
How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Just send Chase a secure message (SM) through your online account. Although the deadline should in theory be N months from the date of approval (not the date of application or card activation)--where N is the number of months specified in the offer--Chase typically pads this period to account for the time required to fabricate and deliver physical cards. For example, a recent "3-month" deadline was in fact 114 days, as confirmed by Chase's SM confirmation.
Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
Bonus points typically accrue at the close of the billing period in which you incur the corresponding charges. Points should appear in your hotel/airline account within a few days thereafter.
NOTE: If you complete your required spending in the last 7-10 days of the statement period, the bonus may not post until the following month's statement, even if the regular per-dollar points post on the first statement. This is normal behavior for Chase and is not worth a phone call.
NOTE: If you complete your required spending in the last 7-10 days of the statement period, the bonus may not post until the following month's statement, even if the regular per-dollar points post on the first statement. This is normal behavior for Chase and is not worth a phone call.
Should I downgrade or cancel my existing cards before applying?
See the discussion at
Useful Chase telephone numbers
(800) 432-3117 – General Application Status Line, automated
(800) 436-7927 – Alternative General Application Status Line, automated
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 955-9900 – General Card Services and Application status, automated
(888) 298-5623 – Credit Reallocation Office (Personal cards)
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
(877) 470-9042 – Personal Application Verification line with live rep
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
(800) 436-7927 – Alternative General Application Status Line, automated
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 955-9900 – General Card Services and Application status, automated
(888) 298-5623 – Credit Reallocation Office (Personal cards)
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
(877) 470-9042 – Personal Application Verification line with live rep
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
Applying for Chase Credit Cards, 2017-2019
Feb 5, 2017, 9:16 am
#211
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
Quick question, added my wife to my CSR as a AU. This doesn't preclude her from opening a card of her own and getting the bonus in the future does it?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
I never provide SSN for an AU with Chase and have not had a problem. 100%.
Be careful getting AUs though b/c they count against AU's 5/24 with Chase.
Feb 5, 2017, 11:45 am
#212
Join Date: Oct 2016
Posts: 65
Quick question, added my wife to my CSR as a AU. This doesn't preclude her from opening a card of her own and getting the bonus in the future does it?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
When she is accepted, remember to remove her as an AU, because there is usually no reason to pay both the AU fee and the Annual Fee.
Feb 5, 2017, 1:01 pm
#213
Join Date: Dec 2013
Posts: 17
Applied for Southwest Plus 50k offer, got pending app with decision by mail within 30 days. That was about 5 days ago. At 4/24, with 2 of those being a CSR and Ink Preferred in the last 4 months. Have 45k credit line through 3 Chase cards. Should I call in to see if they need to shift credit around, or just wait for a decision before calling?
Feb 5, 2017, 4:30 pm
#214
Join Date: Jul 2013
Posts: 33
Do I have a chance of getting a CSP 50,000 bonus offer while currently having a CSR?
I got the CSR last October. It has been over two years since I got the bonus from a CSP and closed out the card.
To get a better chance, should I close out the CSR before applying?
Any other tips for this situation would be appreciated.
Thanks
I got the CSR last October. It has been over two years since I got the bonus from a CSP and closed out the card.
To get a better chance, should I close out the CSR before applying?
Any other tips for this situation would be appreciated.
Thanks
Feb 6, 2017, 6:44 am
#215
Join Date: May 2006
Location: CGK & PBI
Programs: Cruise addict and AirBNB Plat :)
Posts: 3,312
Quick question, added my wife to my CSR as a AU. This doesn't preclude her from opening a card of her own and getting the bonus in the future does it?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
I added her as a AU so it would add some points on her credit to help it build. Should I go out of my way to give Chase her SS# so that it gets reported, they said it's not needed since they use the address. Anyone know 100% on these 2 questions?
Feb 6, 2017, 12:49 pm
#216
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
how can they count against 5/24 if chase doesn't require a SSN for AUs?
Feb 6, 2017, 2:49 pm
#217
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Feb 6, 2017, 4:14 pm
#218
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
Feb 6, 2017, 8:24 pm
#219
Join Date: Aug 2013
Location: Olde Dominion
Programs: DL Silver - uh huh!
Posts: 948
Before the holidays I applied for an MPE card, but to be honest I forgot about it until recently. I never received either a card or a denial letter, so I called Chase to ask about it. (There is a hard pull from Chase on my credit report, so I assume that means I was denied.)
The automated status line said there was no record of my application. When I talked to a CSR, she said the same thing – since it has been more than 30 days, there is nothing in their system.
To be honest, I really don't care that much about the MPE card at this point. In several ways I wish I had not applied for it at all, to be honest (I don't fly UA much, but I already have DL and AA cards). HOWEVER - the SW RR+ card has some attractive features to me, so I would like to be able to apply for it. I don't have status on any airline – my travel patterns are such that I flew around 52,000 miles in 2016, but on 13 different airlines (5 US and 8 non-US, and I could get FF miles from only 4 of the non-US carriers, in 2 different programs) - and I'm not likely to, as price overrules loyalty for my work travel (which much of this was).
So here are my questions:
1. Is there a number at Chase I can call to get info on why I was denied? Or is there someone I can write? I'd like to know the reason(s).
My FICO score is 800–810. I have only applied for one card in the last 24 months (from Citi, which I received). But I think my combined credit limit is close to my annual income (which is not that high), which might have done it for them. I pay my bills in full each month, and my credit usage is well below 30% of my combined limit (which they also might not have liked). Is this a case of "You don't need any more credit"?
2. Given that I never received a denial letter, is there a state or federal agency with which I should file a complaint? I thought banks were supposed to issue denial letters.I'm not out to get Chase. I just think they should have sent a letter.
3. Given that I never received a denial letter, should I try to get the hard pull removed from my credit report? I don't have any documentation of denial, so I don't know if that renders it a no-go. But that would be part of my appeal.
4. Could anyone at a Chase branch tell me anything? Could they take an application for the SW card?
Given the unknowns here, and that there is at least one other Chase product that interests me, I would like to get some more information/resolution from them. I'm just not sure how to go about it.
Thanks for any help you can provide!
The automated status line said there was no record of my application. When I talked to a CSR, she said the same thing – since it has been more than 30 days, there is nothing in their system.
To be honest, I really don't care that much about the MPE card at this point. In several ways I wish I had not applied for it at all, to be honest (I don't fly UA much, but I already have DL and AA cards). HOWEVER - the SW RR+ card has some attractive features to me, so I would like to be able to apply for it. I don't have status on any airline – my travel patterns are such that I flew around 52,000 miles in 2016, but on 13 different airlines (5 US and 8 non-US, and I could get FF miles from only 4 of the non-US carriers, in 2 different programs) - and I'm not likely to, as price overrules loyalty for my work travel (which much of this was).
So here are my questions:
1. Is there a number at Chase I can call to get info on why I was denied? Or is there someone I can write? I'd like to know the reason(s).
My FICO score is 800–810. I have only applied for one card in the last 24 months (from Citi, which I received). But I think my combined credit limit is close to my annual income (which is not that high), which might have done it for them. I pay my bills in full each month, and my credit usage is well below 30% of my combined limit (which they also might not have liked). Is this a case of "You don't need any more credit"?
2. Given that I never received a denial letter, is there a state or federal agency with which I should file a complaint? I thought banks were supposed to issue denial letters.I'm not out to get Chase. I just think they should have sent a letter.
3. Given that I never received a denial letter, should I try to get the hard pull removed from my credit report? I don't have any documentation of denial, so I don't know if that renders it a no-go. But that would be part of my appeal.
4. Could anyone at a Chase branch tell me anything? Could they take an application for the SW card?
Given the unknowns here, and that there is at least one other Chase product that interests me, I would like to get some more information/resolution from them. I'm just not sure how to go about it.
Thanks for any help you can provide!
Feb 7, 2017, 8:11 am
#220
Join Date: Apr 2014
Location: DC
Posts: 360
And if you omit middle names and/or add dashes in the name, they seem to be able to find it (and then it gets reported as another alias in the credit bureaus).
Feb 7, 2017, 8:49 am
#221
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
Yep. If they can match (using name and address) they will match it and report to the credit bureaus. If they can't match it, it's not reported.
And if you omit middle names and/or add dashes in the name, they seem to be able to find it (and then it gets reported as another alias in the credit bureaus).
And if you omit middle names and/or add dashes in the name, they seem to be able to find it (and then it gets reported as another alias in the credit bureaus).
I don't dare have my wife request an AU card for my son due to the name similarities - I have no doubt they would accidentally match that one to me instead.
Feb 7, 2017, 8:50 am
#222
Join Date: Mar 2004
Location: London
Posts: 224
Time for approval
I applied for the CSR on 1/8 just before the sign up bonus was cut off. Is it unusual for it to be still pending? I tried the automated line and it says it is pending. I have not received any emails or letters from Chase.
I haven't called the reconsideration line because of the advice in the wiki that it is better to wait for a decision first - but should I call?
I haven't called the reconsideration line because of the advice in the wiki that it is better to wait for a decision first - but should I call?
Feb 7, 2017, 9:11 am
#223
Join Date: Nov 2009
Location: SE coast USA
Programs: US, AA, AM, BA, HH, SPG, PC, Carlson, Marriott, Choice
Posts: 306
I applied for the CSR on 1/8 just before the sign up bonus was cut off. Is it unusual for it to be still pending? I tried the automated line and it says it is pending. I have not received any emails or letters from Chase.
I haven't called the reconsideration line because of the advice in the wiki that it is better to wait for a decision first - but should I call?
I haven't called the reconsideration line because of the advice in the wiki that it is better to wait for a decision first - but should I call?
The general consensus in this thread is to wait though there have been quite a few posts both here and on reddit that indicate waiting it out is not as important as it once was...
What does your pending status state in terms of when you'll receive a decision? If it is 30 days, you should receive a reply today or tomorrow at latest. Give it a couple more days and if you haven't received a "You've been approved" email, call! In the meantime, check your Chase account online if you already have one - you might find the card is already listed in your account. Always call reconsideration on denials - more than once if necessary.
Good luck!
Feb 7, 2017, 9:14 am
#224
Join Date: Dec 2014
Location: Michigan
Programs: DL,AA,RR
Posts: 50
Any suggestions which credit card to apply for?
I am well over 5/24 and recently closed my SW cards and downgraded CSP to Freedom.
I have a major purchase coming up in next 2 weeks for about $1500 and was thinking to apply for CC to use this purchase towards spending requirements.
Appreciate your suggestions
I am well over 5/24 and recently closed my SW cards and downgraded CSP to Freedom.
I have a major purchase coming up in next 2 weeks for about $1500 and was thinking to apply for CC to use this purchase towards spending requirements.
Appreciate your suggestions
Feb 7, 2017, 10:03 am
#225
Join Date: Aug 2013
Posts: 29
Data Point: Got an invitation offer with personal invitation code to apply for Ink Business Preferred. Applied and went to pending. Just got the letter that it was denied because of too many personal cards in the last 24 months (I was at 7/24). Called the business recon line and they said that there was nothing they could do. Apparently, my personal invitation code was not sufficient to get past 5/24 rule. bummer.