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 17, 2018, 10:49 am
#1471
Join Date: Oct 2004
Location: Clinging to the edifices of a decadent past from the biggest city in America nobody really cares about.
Programs: (ಠ_ಠ)
Posts: 9,077
Suggest you also consider the wiki in the linked thread, located in the Chase UR FT Forum:
https://www.flyertalk.com/forum/chas...17-onward.html
https://www.flyertalk.com/forum/chas...17-onward.html
Feb 17, 2018, 12:01 pm
#1472
Join Date: Feb 2005
Location: Honolulu, HI
Programs: Hhonors Diamond, Alaska Gold MVP, AA, UAL
Posts: 7
Feb 17, 2018, 12:19 pm
#1473
FlyerTalk Evangelist
Join Date: Oct 2006
Location: SFO/SJC
Programs: UA Silver, Marriott Gold, Hilton Gold
Posts: 14,884
I think this is the wrong forum. OP seems to know about bonus and what he’ll get, but if I’m understanding what they want to know, it’s about which credit report to unlock so they can get approved. That’s not relevant for UA at all, even if the card they are applying for happens to have UAs name on it.
Im sure there’s a more relevant forum on the CC side, maybe the Chase UR forum. I’m no expert on these matters, but my understanding from relatively light reading in the subject is that Chase uses all three bureaus across their bank, though which one for which app can differ based on state, etc.
Im sure there’s a more relevant forum on the CC side, maybe the Chase UR forum. I’m no expert on these matters, but my understanding from relatively light reading in the subject is that Chase uses all three bureaus across their bank, though which one for which app can differ based on state, etc.
Feb 17, 2018, 12:25 pm
#1474
Join Date: Nov 2011
Location: Virginia
Programs: HHonors Gold, IHG Platinum, Marriott nobody
Posts: 470
The doctor of credit website maintains a database of which credit bureau Chase is likely to pull the credit report from:
https://www.doctorofcredit.com/knowl...es-chase-pull/
https://www.doctorofcredit.com/knowl...es-chase-pull/
Feb 17, 2018, 12:46 pm
#1475
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Check one of your credit reports and it will show the card "Opened date" and then add ~ 90 days. The rule Chase uses, to receive a new bonus, is 24 months since bonus miles posted not when you got the card. You could call Chase CS and get this info I believe.
Last edited by philemer; Feb 17, 2018 at 6:48 pm
Feb 17, 2018, 3:02 pm
#1476
Join Date: Dec 2001
Location: San Jose, CA USA
Programs: AA EXP/7.0MM
Posts: 265
Possibly, but in my experience this rejection may occur if NONE of your other accounts are reporting a balance. This does not have anything to do with carrying a balance and paying interest, it only means that if your other open accounts all reported a zero balance at the time Chase pulled their report it triggers a concern. Most issuers report your statement balance.
Sorry to hear of your predicament. The CSR, as well as CSP and CIP, are the toughest Chase cards to get approved for, and aside from 5/24, it's often for lack of credit history. Folks are often denied the CSR/CSP by Chase due to having, say, <1 year of credit history -- particularly students or new graduates just opening accounts for the first time. It appears Chase has grouped you into this bucket of perceived risk.
The general consensus is to build some credit history, particularly with Chase, for 6+ months, then attempting these most lucrative/challenging of the Chase cards. For example, opening one of their Freedom products, which don't have an AF, are relatively easy to qualify for, while having a decent sign-up bonus. I believe FU has a $150 for $500 spend bonus ongoing, but the FU or CF do occasionally have $200-250 bonuses. Each would, unpleasantly, add to your x/24 slot, but seeing you're likely only at 1/24, it may be worthwhile to make use of one to build some history with Chase.
I'd also recommend calling Chase recon a few more times while your application is still fresh in the Chase applications system, where it'll remain for 30 days from date of application. Some recon reps are more willing to help than others, so if you happen upon a particularly accommodating one, s/he may just fight for you with the underwriters to see about furthering along this CSR app. For example, a family member ended up calling Chase recon a good 5-6x (over a two week period) before convincing them to approve her for the CIP.
The general consensus is to build some credit history, particularly with Chase, for 6+ months, then attempting these most lucrative/challenging of the Chase cards. For example, opening one of their Freedom products, which don't have an AF, are relatively easy to qualify for, while having a decent sign-up bonus. I believe FU has a $150 for $500 spend bonus ongoing, but the FU or CF do occasionally have $200-250 bonuses. Each would, unpleasantly, add to your x/24 slot, but seeing you're likely only at 1/24, it may be worthwhile to make use of one to build some history with Chase.
I'd also recommend calling Chase recon a few more times while your application is still fresh in the Chase applications system, where it'll remain for 30 days from date of application. Some recon reps are more willing to help than others, so if you happen upon a particularly accommodating one, s/he may just fight for you with the underwriters to see about furthering along this CSR app. For example, a family member ended up calling Chase recon a good 5-6x (over a two week period) before convincing them to approve her for the CIP.
For Recon, ow do I plead the case that I dropped the spend on my original card to go to a card with more benefits (if that is possible)?
Feb 18, 2018, 12:32 am
#1477
Join Date: Nov 2017
Posts: 1
I had CSP for more than 2 years and I wanted to get CSR. I have a big travel expense coming up and I wanted to count that expense towards CSR's minimum spending requirement to get the signup bonus so I called Chase to downgrade my existing sapphire card to Freedom card. Chase agent said that it would take about 1 months for their system to reflect the downgrade so I cannot apply for CSR until then. When I checked my chase account online it already shows the card as "Chase Freedom" instead of "Chase Sapphire preferred". Does anyone know how long do I have to wait before applying for CSR?
Feb 18, 2018, 1:46 am
#1478
Join Date: Aug 2010
Posts: 124
Thanks much for the advice. In order to be more Chase-worthy, would tossing some spend back onto the City card or opening a lower level Chase card and killing the Citi seem like a better plan?
For Recon, ow do I plead the case that I dropped the spend on my original card to go to a card with more benefits (if that is possible)?
For Recon, ow do I plead the case that I dropped the spend on my original card to go to a card with more benefits (if that is possible)?
I'd just call in a tell them the truth, that you rarely apply for a new CC but really want to take advantage of the benefits of this card. Ask if there's any way to reconsider. Tout your credit worthiness, think of it as a job interview and sell yourself. As I noted earlier, if the recon rep seems unwilling to help, say thanks and try again, until you find one more accommodating...
Feb 21, 2018, 5:52 pm
#1479
Join Date: Feb 2005
Location: Honolulu, HI
Programs: Hhonors Diamond, Alaska Gold MVP, AA, UAL
Posts: 7
Have you/your husband given recon a ring to see about the exact 24 month dating? I experienced a similar issue with an IHG app, but I was two months short of 24 months and recon gave me the exact dates and such -- fortunately, the system recognized me by SSN and did not proceed far enough to incur a hard pull. I'd surmise Chase's 24 month calculation might differ slightly from your's.
Feb 22, 2018, 7:01 pm
#1480
Join Date: Feb 2017
Location: Everywhere and Nowhere
Programs: DL GM
Posts: 515
I could really use some advice on getting Chase to approve me for either the CSP or CSR. I had applied over a year ago for both at the same time and was denied for both, recon said it was because I don't have enough active lines of credit. I own my home and I paid cash for my brand new car a few years ago. I was instantly approved for Amex Platinum and PRG (both charge cards) and an Amex Delta Platinum (credit) and I'm an AU on a BoA visa with a $23K line. I regularly put thousands of expenses on my Amex cards, paid in full every month with no late payments in my entire credit history and I was at 820 when I first applied and I'm at 773 right now.
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
Feb 23, 2018, 1:18 am
#1481
Join Date: Aug 2010
Posts: 124
I could really use some advice on getting Chase to approve me for either the CSP or CSR. I had applied over a year ago for both at the same time and was denied for both, recon said it was because I don't have enough active lines of credit. I own my home and I paid cash for my brand new car a few years ago. I was instantly approved for Amex Platinum and PRG (both charge cards) and an Amex Delta Platinum (credit) and I'm an AU on a BoA visa with a $23K line. I regularly put thousands of expenses on my Amex cards, paid in full every month with no late payments in my entire credit history and I was at 820 when I first applied and I'm at 773 right now.
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
Worst comes to worst, get denied and get another less lucrative Freedom or similar as a step-up card -- build a relationship with Chase and can go for the CSR/CSP in 6 months
Feb 23, 2018, 7:47 am
#1482
Join Date: Jul 2013
Posts: 1,784
I could really use some advice on getting Chase to approve me for either the CSP or CSR. I had applied over a year ago for both at the same time and was denied for both, recon said it was because I don't have enough active lines of credit. I own my home and I paid cash for my brand new car a few years ago. I was instantly approved for Amex Platinum and PRG (both charge cards) and an Amex Delta Platinum (credit) and I'm an AU on a BoA visa with a $23K line. I regularly put thousands of expenses on my Amex cards, paid in full every month with no late payments in my entire credit history and I was at 820 when I first applied and I'm at 773 right now.
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
Feb 23, 2018, 3:17 pm
#1483
Join Date: Feb 2017
Location: Everywhere and Nowhere
Programs: DL GM
Posts: 515
7 to 10 days, 30 days, sooner or later, the next blue moon, it doesn't matter what they tell you. All of them just mean 'we're working on it, and we'll let you know when we get good and ready'. I've had apps switch back and forth from 30 days to 7/10 and back to 30, then eventually get approved without a call. In one case it took 3 weeks, then I got an approval email, long after I had given up hoping. Just hang tight and wait for them to make up their minds. If you eventually get a denial, then you can call in, and deal with whatever the letter says. But it's way to early to panic.
I'll keep calling the automated line to see if anything updates.
Feb 23, 2018, 3:25 pm
#1484
Join Date: Sep 2015
Posts: 205
I was just approved for a reserve card and I wanted to add a few data points. I tried to get the card when it came out but I was over 5/24 and even in branch I was rejected for too many accounts opened. I finally made it under 5/24 last November just in time to be stymied by the new rule on having had another sapphire card. I no longer had the card because I had downgraded it to a freedom unlimited months before but it was less than 24 months since I had received the bonus.
I received the bonus for sapphire preferred on Feb 11 2016, I applied for the Reserve on Feb 12 2018. I was at 4/24 plus two Chase business cards. I was not instantly approved and when I called the automated number I got the 2 weeks message. I didn't call in and the card showed up in my account on the 14th. This is a further data point that chase business cards don't count for 5/24.
I received the bonus for sapphire preferred on Feb 11 2016, I applied for the Reserve on Feb 12 2018. I was at 4/24 plus two Chase business cards. I was not instantly approved and when I called the automated number I got the 2 weeks message. I didn't call in and the card showed up in my account on the 14th. This is a further data point that chase business cards don't count for 5/24.
Feb 23, 2018, 9:51 pm
#1485
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I could really use some advice on getting Chase to approve me for either the CSP or CSR. I had applied over a year ago for both at the same time and was denied for both, recon said it was because I don't have enough active lines of credit. I own my home and I paid cash for my brand new car a few years ago. I was instantly approved for Amex Platinum and PRG (both charge cards) and an Amex Delta Platinum (credit) and I'm an AU on a BoA visa with a $23K line. I regularly put thousands of expenses on my Amex cards, paid in full every month with no late payments in my entire credit history and I was at 820 when I first applied and I'm at 773 right now.
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
I just reapplied for only the CSP two days ago and it is currently going through the review process, but the automated line is giving me the 7-10 days notice which is typically not a good sign. I don't want to call recon this time until I get the official notice just in case. I'm well under 5/24 and have no other Chase accounts (checking or otherwise) so 2/30 isn't a concern either. I feel like I sit in a weird gray area with Chase in that I don't have a ton of lines of credit out there and as an independent contractor, my accountable reimbursed business expenses are almost 4 times my taxable income. Every dime of those expenses is charged to these cards, including most of my dining expenses and it gets reimbursed monthly, but it isn't taxable income for me so Chase doesn't care (and said as much during my last recon call). I don't want to just lie on an application and call it income when it isn't, but it is also a guaranteed stream of money as those expenses are a condition of my employment. I'd cover the 50,000/$4K/3mo bonus requirement for the CSP in about two weeks with what I have coming up.
Chase is the only bank that has ever denied me for a card of any level. They technically haven't denied me for this most recent app either, but the 7-10 days message is never good. Although it is odd that they pulled from all 3 bureaus this time, on different days, which did not happen last time. I won't call recon until I get a mail notice but I also don't know what else I can tell recon at this point. I'm not in the mood to jump through hoops for a bank that doesn't want my business and I don't *need* a CSP/CSR, but I've got a lot more int'l travel coming up so would prefer to have a travel Visa since Amex isn't accepted most places and I don't like using my Schwab checking for reimbursed expenses.
Any ideas on what I can do here or am I just in a weird gray area where I don't fit Chase's algorithms?
Freedom is a good card and can earn you a decent amount of points. It will also get you into Chase's world. Start small and then go for the big bonuses.
The wiki for applying for Chase cards has some good ideas.