Help with next (Chase) CC(s)?
 

Hi All,
I have some big expenses coming up (probably could hit $10k or so in minimum spend for signup bonuses), so it's a good time to apply for a card(s) that might need a significant signup bonus. With Chase, specifically:

• I'm now at 4/24 after getting the two cards below...
• Early October 2019 - Applied and approved after about 10 days for Chase Southwest Performance Business card (with $5,000 credit limit)
• November 1st 2019 - Applied and instantly approved for Chase Southwest Plus card (only $2,000 credit limit)
• Other Chase cards I have:
  • Chase Ink Cash ($6k limit - total of $11k limit on my two biz cards)
  • Chase Sapphire Reserve ($33k limit)
  • Chase Freedom ($22k limit)
  • Chase IHG ($10k limit)
  • So a total of $67k credit limit on personal cards, plus the $11k on biz cards, puts me at $78k total CL)
  • And I have a Chase personal checking account
  • And I just paid off a Chase auto loan a few months ago (which caused my credit score to drop a lot)

Anyway... I'd like to use up my last one (or two?) Chase slots. Suggestions on what I should do?

1. Chase Ink Business Preferred - 80k on $5k spend. I would like this card the most for the big signup bonus! But with the 2 Chase Biz CCs already (and considering just $40k in biz revenue), are my odds low?
2. I'd like Chase IHG Premier, but the bonus was 125k + $50 credit and now is just 80k points. :(
3. I'd like Chase Marriott Bonvoy Boundless, but the bonus was 100k and now is just 75k points. :( Also, I had the old SPG personal (and Biz) cards, so I'm not sure if I'm eligible?
4. And I'd like to have the Chase Freedom Unlimited, but it seems a waste of one of my 5/24 slots (considering I get more from sign up bonuses than I would from actual spend)...
5. Chase United would be good too, but I need hotel points more than airline points right now (and don't really like United)...

Should I try applying for the Ink Biz Pref AND the IHG or Marriott on the same day? Or would that make it unlikely that I would get the Ink (and maybe get the IHG or Marriott)? And which should I try for first?

I could also get non-Chase card(s), like the Amex Marriott Biz (but again, am I eligible if I had SPG Biz)? And I'd prefer to use up my last Chase spot first.

FYI, my credit scores are 807 Transunion, 802 Equifax, and 790 Experian. Experian dropped from 836 in July to 814 after my car got paid off and then to 790 after the two new Chase accounts. Sorry for so many questions! Thanks for you help and opinions,
--Kyle

Bump? bgriffin , you posted a reply but looks like it got deleted (or you removed it)? At any rate, I saw it in my email and you made a good point that occasional pre-approvals may show up for Chase branded cards, but not co-branded cards. And also a good point about opening a Chase Biz Checking account and applying for CIP then... Maybe I'll do that. And right afterwards apply for either the IHG Premier or Marriott Bonvoy Boundless. It's just unfortunate those two have lower offers right now. Thx,
--Kyle

That's weird that it got deleted. How odd.....

i have 3 business cc and i only put 10k rev. id get the preferred then get a freedom unlimted after. i put a lot of spend on mine to get 1.5x points on what id usually get 1x for

It didn't get deleted just separated. The questions were diff. enough that they deserve their own thread. @:-) Adding on to someone's question can cause confusion for our readers. Best to start your own thread in most cases. ^

See https://www.flyertalk.com/forum/chas...-get-next.html

Hmm, odd, as it added some helpful info for me (to my post)! :) But yeah, he's asking similar, but also different, questions. Thx,
--Kyle

5/24 as of today - one more Chase card today?
 

Hi All,
I just got approved (in branch) today for the Chase Ink Business Preferred. I was at 4/24, so now I'm at 5/24. Is there a window to apply for one more card today?

Or is that a bad idea (upsetting Chase perhaps)? Obviously (since I got down to 2/24 recently), I haven't gotten a lot of new cards lately. However, I got 2 other new Chase cards: Chase Southwest Performance Business around October 7th (to become 3/24) then Chase Southwest Plus on November 1st (to become 4/24).

Should I try for the IHG, Marriott, or Freedom Unlimited? Or just be happy with what I got? I shouldn't have another inquiry since I'd be doing it on the same day. Thanks!
--Kyle

Business cards shouldn't affect x/24 and nothing affects it until it hits your credit report. For Chase purposes you are still at 3/24. I wouldn't get in a big hurry.

Well all of those cards were with Chase though. And I think Chase's own biz cards count towards 5/24 limit...

At any rate, the main thing I'm trying to do here is get another card without another credit inquiry AND to get another Chase card while (if) I can. I have a lot of big expenses coming up, so now's a good time to get it and meet my minimum spend requirements. Thanks,
--Kyle

Chase business cards do not count towards 5/24. But it sounds like what you really wanna hear is yes apply for another Chase card. So by all means apply for another Chase card.

Why are you worried about an inquiry (aka hard pull)? They only drop your score a bit and it'll bounce back up in a couple months. Applying for two cards in one day will not combine the inquiries.

Chase can deny you a new card even if you are under 5/24. One reason I've seen used is "too many recent cards". So feel free to apply but don't be surprised if you are turned down.

You really need to spend some time reading the wikipost in the "Applying for Chase credit cards..." before you attempt applying for another card.

Hey,
It's always better to combine pulls in day if you can and keep that score up, IMO. Most card issues DO combine pulls for two apps in a single day. Chase included. That said, I forgot that business + personal apps might not be combined. However, if you read here you'll see reports that business and personal have been combined.

Yes, I realize I may be declined for reasons other than 5/24.

I've read a lot about applying for Chase cards and have played the game quite awhile now.

I stand corrected on the Chase Business Cards counting towards 5/24. That used to be the case as you can see here, but apparently that changed at some point (text said they do count, is crossed out, and new text says that now they don't count). :-) So I won't rush to my next card as I should only be at 3/24 if that is correct. But the reason I started this post was because I wanted to get another Chase card in now while I have upcoming expenses to use it on and assuming my 5/24 slots were gone. Otherwise I'd apply for a card(s) with a different issuer and lose my ability to apply for Chase cards. Make sense? Now I'll probably wait a bit so that I can apply when Chase has a better bonus on the IHG or Marriott cards. Thanks,
--Kyle

No, I wanted advice. Not sure why you're being snippy about it? I chose not to apply now because I learned that Chase biz cards don't count towards 5/24 - read the article I linked to above that had stated they did. That's how I had that knowledge. At any rate, the question I was trying to ask was is if you're at 4/24, if you can get two cards on one day (even though you'd be over 5/24). I searched more on DoctorOfCredit and found out that some have been able to do this. But no, I won't apply for another card now because I can wait until IHG or Marriott has a better bonus. Cheers,
--Kyle

Wasn't trying to be snippy at all. When someone puts up roadblocks to perfectly reasonable (and factual) replies it's generally because they are not getting the answer they want.

I totally get wanting to pick up an extra Chase card now. I have about 36 hours to decide if I'm going to apply for the Hyatt card or not before I'll go from 4/24 to 6/24 (because I did with Amex what you want to do with Chase).

Which card is best for you depends entirely on what you want to get out of it. Personally I am chasing (no pun intended) cards that have long term benefit to me as opposed to focusing on SUBs.

Gotcha, thanks man. Maybe I'm a bit on edge with personal issues that have nothing to do with this.

Anywho, I don't do a ton of organic spending, so SUBs are key for me. :) I'm slowing down with Amex myself after a huge run with them! I hadn't gotten any new Chase cards for years because of 5/24, but I had finally slowed down enough to be able to get a few. I probably need the Marriott most just because I don't have a way to keep my points alive with them unless I get one of their cards. Just hoping they up the SUB again! Thanks,
--Kyle