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
Nov 26, 2017, 9:15 am
#1276
Join Date: Sep 2011
Posts: 1,857
Two solid pieces of information quoted. If the card can only be used in that store (i.e., Kohl's or FT-mart or wherever) then it doesn't count against 5/24 during the recon process. If it is a co-brand with VISA, MC, AMEX, etc. and can also be used elsewhere then it counts against 5/24.
Nov 28, 2017, 6:57 pm
#1277
Join Date: May 2010
Location: Rockin' the Bakken
Programs: Several
Posts: 978
I applied for the United Explorer card on 11-23-17 and got the "We"ll notify you within 30 days" automated response. I wasn't too worried as I had frozen my credit with the recent Equifax breach, but I do already have 3 Chase cards with relatively low limits; 5K, 7.5K, and 8k. I called the following day to the live recon line (surprised they were open the Friday after Thanksgiving) and was approved instantly with a 30k limit after some identity verification questions but none regarding why I wanted another credit card. I think I'm at about 3 new cards within the past 24 months.
Two things that stuck out to me: They didn't question why I wanted another card, which seems to be contrary to many experiences when calling the live recon line. Also, I cannot figure out why they gave me such a high limit when I opened another Chase card this past year and only received an 8k credit line then. Everything on the apps was identical, and Chase has only bumped up the credit lines from 5k to 7.5k on one of my cards with them.
Two things that stuck out to me: They didn't question why I wanted another card, which seems to be contrary to many experiences when calling the live recon line. Also, I cannot figure out why they gave me such a high limit when I opened another Chase card this past year and only received an 8k credit line then. Everything on the apps was identical, and Chase has only bumped up the credit lines from 5k to 7.5k on one of my cards with them.
Nov 29, 2017, 10:28 am
#1278
Join Date: Jan 2008
Posts: 90
Taking a trip soon and need to start putting some travel charges on my CSR. I opened it in Jan, and current statement is set to close on Dec 8. I believe that is when my $300 travel credit will get reset, correct?
can i call chase and ask them to change the close date to be Dec 1 to get the new credit sooner? I really need to start making some chargers asap.
can i call chase and ask them to change the close date to be Dec 1 to get the new credit sooner? I really need to start making some chargers asap.
Nov 29, 2017, 11:14 am
#1279
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Taking a trip soon and need to start putting some travel charges on my CSR. I opened it in Jan, and current statement is set to close on Dec 8. I believe that is when my $300 travel credit will get reset, correct?
can i call chase and ask them to change the close date to be Dec 1 to get the new credit sooner? I really need to start making some chargers asap.
can i call chase and ask them to change the close date to be Dec 1 to get the new credit sooner? I really need to start making some chargers asap.
Nov 29, 2017, 1:33 pm
#1280
Join Date: Jul 2013
Location: Gulf Coast
Programs: Hilton Honors Lifetime Diamond; National Car Rental Executive Elite
Posts: 2,315
Apply with Signing In
Tried 4 times today to apply for a CSP and each time it says "Complete your application by signing in. Receive a decision in seconds." I enter my login/password info and the screen takes me to my account overview. No option to continue application.
I click on "Customer Center" and click "Apply for Credit Card" and it says "Complete your application by signing in."
Rinse and repeat.
I finally completed the app without signing in and it says it could take 30 days for a response. Lovely.
I click on "Customer Center" and click "Apply for Credit Card" and it says "Complete your application by signing in."
Rinse and repeat.
I finally completed the app without signing in and it says it could take 30 days for a response. Lovely.
Nov 29, 2017, 1:58 pm
#1281
Join Date: Jan 2008
Posts: 90
Yes, it will reset when your Dec statement closes. As far as changing your statement is concerned, you're more likely to push it out farther by making a change now. Usually when making these changes it will extend your current statement. At least that has been my experience. Probably something you should have thought about a month ago.
Wife also has CSR, her card closes on the 10th right now. I wonder if it is worth the risk to try one card.
Nov 30, 2017, 5:13 pm
#1282
Join Date: Jun 2005
Posts: 344
I applied for and was quickly approved for a Chase United Explorer card for 40,000 miles after $2,000 spend in three months and the annual fee waived for the first year. The next day I saw the same offer, but it included a $100 statement credit after the first purchase.
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
Nov 30, 2017, 5:19 pm
#1283
Join Date: Aug 2010
Location: California
Programs: American, SWA, United, IHG,Hilton, Hyatt, Marriott
Posts: 1,838
I applied for and was quickly approved for a Chase United Explorer card for 40,000 miles after $2,000 spend in three months and the annual fee waived for the first year. The next day I saw the same offer, but it included a $100 statement credit after the first purchase.
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
It definitely won’t hurt for you to try. So hurry and go make a spending and once it posts. Call.
Dec 8, 2017, 10:11 am
#1284
Join Date: Jan 2005
Posts: 2
Chase Southwest cards
I applied for the Chase Southwest business card, and I received the 30 day response via email. I was approved a few days later after calling the reconsideration line and verifying some information. The same day I was approved for the business card, I applied for the Chase Southwest personal card. I again received the 30 day email. I called the reconsideration line a few days later, and I was told I should expect a response in two weeks. I have called the automated update line a few times and get the same two week response. I just called the reconsideration line again today, as today is the two week mark. Nobody can help me out and I was told that it may take up to 30 days for a response on the personal card. Any suggestions? Good sign or bad sign? Thanks.
Dec 11, 2017, 4:44 pm
#1285
Join Date: Jun 2005
Posts: 344
I applied for and was quickly approved for a Chase United Explorer card for 40,000 miles after $2,000 spend in three months and the annual fee waived for the first year. The next day I saw the same offer, but it included a $100 statement credit after the first purchase.
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
I called the customer service number and talked to an agent. I asked if they could change the terms of the my sign up to include the SC. The agent told me to call back after my first purchase and ask for the statement credit at that time. If I call are they going to give me the credit, or is this advice no good?
Dec 13, 2017, 2:55 pm
#1286
Join Date: Nov 2009
Location: PDX
Programs: Don't think it matters...
Posts: 5,240
I applied for my 1st Chase card in Sept and got the same approved..2nd card applied in Nov and recd the same.. All paid as per schedule and utilization within limits..
Was thinking of applying for another chase card as this is going to be my 5th credit card (already have 2 from other bank's) so want to apply for Chase cc's before I apply for others..
Reading the other thread (Chase closed my account), it seems there is a risk on so frequent applications even though I have not misused it in any apparent manner. Any dp's on folks applying for 3 cards within 4 months with Chase with them not closing these or initiating deep scrutiny ? I have a banking relationship with Chase with more than 20k $ in my account for last few months if that makes a difference.
Was thinking of applying for another chase card as this is going to be my 5th credit card (already have 2 from other bank's) so want to apply for Chase cc's before I apply for others..
Reading the other thread (Chase closed my account), it seems there is a risk on so frequent applications even though I have not misused it in any apparent manner. Any dp's on folks applying for 3 cards within 4 months with Chase with them not closing these or initiating deep scrutiny ? I have a banking relationship with Chase with more than 20k $ in my account for last few months if that makes a difference.
Dec 15, 2017, 5:04 pm
#1287
Join Date: Oct 2009
Location: SFO
Posts: 514
Chase Ink Preferred success after 11/24
A year ago I was at 11/24 not counting several business cards. I decided to only apply for business cards until I dropped to 4/24 which happened this month. I applied December 12 for the Ink Business Preferred card, 80000 UR bonus. I received the 30 day review/wait screen after applying. I checked the status line later that day as well as the next two days, getting the "7-10 days" message. I decided to call reconsideration today.
I had my credit report from Experian and knew I had 4 cards opened in the last 24 months, not counting another Chase Ink and 3 other business cards I had opened during that time. I also had 5 AUs opened in the last 24 months. The first rep I spoke to said I had been declined due to too many opened accounts in the last 24 months. I had him go over each account, he listed the 4 that were mine, one that he agreed was an AU and shouldn't count, then another AU which he insisted was a "joint account". He was inflexible so I asked if I could escalate to a supervisor.
I was transferred to a "customer service resolution supervisor" or some such, who seemed much more aware of my issue. After a brief hold, he told me exactly which cards I had opened under my name, and which were AUs, for each AU asking if I was currently using it to which I replied truthfully no, since I had already cancelled them. He then went over my business numbers asking about revenue and profit for 2015, 2016 and 2017. He asked what CL I wanted, I said $5000 ( I was just looking for enough to fulfill minimum spend quickly). Another brief hold and he approved me for the card. The account showed up on my online account this afternoon.
Notes:
1. I had reduced my total credit with Chase between business and personal cards a week before applying from a total of about $60000 to around $20000 in the hopes of automatic approval.
2. I was initially declined because the system counted AUs which were on my credit report ( I had not bothered to try to remove them.)
3. The supervisor did not mention the other Chase Ink or the other biz cards I had opened in the last 24 months, only my personal cards.
4. When he saw that total was 4/24 he said it could be reconsidered.
5. Second level CSRs at least in this case seemed more empowered and aware than the front line agents.
I had my credit report from Experian and knew I had 4 cards opened in the last 24 months, not counting another Chase Ink and 3 other business cards I had opened during that time. I also had 5 AUs opened in the last 24 months. The first rep I spoke to said I had been declined due to too many opened accounts in the last 24 months. I had him go over each account, he listed the 4 that were mine, one that he agreed was an AU and shouldn't count, then another AU which he insisted was a "joint account". He was inflexible so I asked if I could escalate to a supervisor.
I was transferred to a "customer service resolution supervisor" or some such, who seemed much more aware of my issue. After a brief hold, he told me exactly which cards I had opened under my name, and which were AUs, for each AU asking if I was currently using it to which I replied truthfully no, since I had already cancelled them. He then went over my business numbers asking about revenue and profit for 2015, 2016 and 2017. He asked what CL I wanted, I said $5000 ( I was just looking for enough to fulfill minimum spend quickly). Another brief hold and he approved me for the card. The account showed up on my online account this afternoon.
Notes:
1. I had reduced my total credit with Chase between business and personal cards a week before applying from a total of about $60000 to around $20000 in the hopes of automatic approval.
2. I was initially declined because the system counted AUs which were on my credit report ( I had not bothered to try to remove them.)
3. The supervisor did not mention the other Chase Ink or the other biz cards I had opened in the last 24 months, only my personal cards.
4. When he saw that total was 4/24 he said it could be reconsidered.
5. Second level CSRs at least in this case seemed more empowered and aware than the front line agents.
Dec 15, 2017, 5:07 pm
#1288
Join Date: Mar 2015
Posts: 6
Application after cancellation
I've had the CSP for several years but wasn't able to take advantage of the huge CSR 100k sign up due to being over 5/24. In 45 days I will be under 5/24 and am wondering about the best approach to getting a UR sign up bonus. I still have my CSP open, so my understanding is that I am not eligible for the CSR or another CSP. My plan was to close the CSP and then apply to get the CSR. Since it would be within a month of so of me closing the other card, I wasn't sure if there would be any issues since Chase seems to be tightening down on this. My approach seems to be within the "rules" they have set out, but I wasn't able to find any posts indicating how long you needed to wait between closing one UR-earning card and opening another in order to get the sign up bonus. Thanks!
Dec 16, 2017, 6:35 am
#1289
Join Date: Sep 2011
Posts: 1,857
I've had the CSP for several years but wasn't able to take advantage of the huge CSR 100k sign up due to being over 5/24. In 45 days I will be under 5/24 and am wondering about the best approach to getting a UR sign up bonus. I still have my CSP open, so my understanding is that I am not eligible for the CSR or another CSP. My plan was to close the CSP and then apply to get the CSR. Since it would be within a month of so of me closing the other card, I wasn't sure if there would be any issues since Chase seems to be tightening down on this. My approach seems to be within the "rules" they have set out, but I wasn't able to find any posts indicating how long you needed to wait between closing one UR-earning card and opening another in order to get the sign up bonus. Thanks!
Dec 16, 2017, 1:47 pm
#1290
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,044
I would agree with this approach, but a recent data point from a friend suggests it might not be possible. He attempted to convert his CSP to a Freedom Unlimited a few weeks ago and was subsequently rejected for the CSR when he applied shortly thereafter because the system still interpreted the Freedom Unlimited as a "Sapphire" card since that was how the account had been originally opened. After suspecting misinformation from calling in, he went to a branch where an employee told him the same thing. Perhaps it's a system limitation until the statement closes out and waiting a month or two would avoid the issue?
