Applying for Chase PERSONAL Cards (2020 - 2022)
Mar 11, 2020, 11:28 am
#107
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Five/24 does count when applying for business cards. I, like you, was denied an Ink card for the same reason. However, after a few months passed and I fell under 5/24, Chase offered me the same Ink card. I applied then and got it. That may happen for you too.
Mar 21, 2020, 2:09 pm
#108
Join Date: Jul 2015
Posts: 12
Over 30 days late
My fico score was around 800. November 2019, I registered for online statements for CNB credit card. I inadvertently missed a $30 payment, and did not realize mistake until KreditKarma notified me of 30+ days late entry to my credit report. CNB would not remove it as it was not a bank error. My credit score dropped to 750 in January as a result. It had since gone back up to 770. Does this mean I should not apply for new credit cards for a while. I have been using new credit cards to pay estimated taxes to earn sign up bonuses. I want to get Chase Business United.
Mar 23, 2020, 7:03 pm
#109
Join Date: Jan 2005
Programs: UA GOLD MM,WN CP A+list, HH Gold,MR LT Titanium
Posts: 2,184
Adding Freedom Unlimited to CSP and Freedom?
My spouse is considering applying for the Unlimited. She has held both the CSP and Freedom for many years with no MS.
Is there any reason Chase would see this as a red flag? She does not want to convert either of the current cards
If it makes a difference, she is retired and has a FICO in the 840 range.
The Unlimited would be used primarily for the 0% on purchases
5/24 is not an issue
Is there any reason Chase would see this as a red flag? She does not want to convert either of the current cards
If it makes a difference, she is retired and has a FICO in the 840 range.
The Unlimited would be used primarily for the 0% on purchases
5/24 is not an issue
Mar 23, 2020, 7:55 pm
#110
Join Date: Jul 2002
Posts: 3,642
I like the CFU and CSP combo. $95 annual fee total, 2points/$ on travel and dining (CSP) and 1.5 on everything else (CFU). I can move my points from CFU to CSP account then transfer to Hyatt, UA, etc.
ETA: You say you care about the 0% rate... hopefully you don't carry a balance. If so the decision points change dramatically.
ETA: You say you care about the 0% rate... hopefully you don't carry a balance. If so the decision points change dramatically.
Mar 24, 2020, 3:13 pm
#111
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
My spouse is considering applying for the Unlimited. She has held both the CSP and Freedom for many years with no MS.
Is there any reason Chase would see this as a red flag? She does not want to convert either of the current cards
If it makes a difference, she is retired and has a FICO in the 840 range.
The Unlimited would be used primarily for the 0% on purchases
5/24 is not an issue
Is there any reason Chase would see this as a red flag? She does not want to convert either of the current cards
If it makes a difference, she is retired and has a FICO in the 840 range.
The Unlimited would be used primarily for the 0% on purchases
5/24 is not an issue
Mar 27, 2020, 12:28 pm
#112
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,297
Hoping to pick the brains of the experts here. Presuming one is 4/24 or below with excellent credit history and no other reason to decline new applications:
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
Mar 27, 2020, 4:14 pm
#113
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
Hoping to pick the brains of the experts here. Presuming one is 4/24 or below with excellent credit history and no other reason to decline new applications:
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
b. Yes, and especially so if the business card is from another bank.
c. General advice is to limit Chase cards to one application every 2-3 months.
Mar 28, 2020, 9:56 am
#114
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,297
Mar 28, 2020, 6:04 pm
#115
Join Date: Jul 2010
Location: 718
Programs: Hyatt Globalist, Hilton Diamond, Marriott Platinum, IHG Diamond
Posts: 967
Hoping to pick the brains of the experts here. Presuming one is 4/24 or below with excellent credit history and no other reason to decline new applications:
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
What does Chase do if that person applies for 2 new personal cards at the same time?
Would applying for a business card (Chase or other, not Cap One or Discover) and then (few days or a week or two later) applying for a personal card be more likely to result in two approvals?
Could one open 3 or 4 business accounts within a few months and then successfully apply for a Chase personal card a few days later?
Thank you.
Mar 28, 2020, 8:24 pm
#116
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,297
Mar 31, 2020, 12:39 pm
#117
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
What's the minimum credit limit Chase will allow?
I haven't been able to find definitive feedback on what the minimum Chase will allow as a credit limit on an existing card. A few years back, the guidance was $5000 on a personal card and $2000 on a business card but not sure if that's based on any actual testing.
I've had very good look with approvals since I started lowering my limits but I'm wondering if I could be looking at a $1000 limit on these cards to stretch it even farther. (I'm holding several cards long-term for their annual benefits but not putting much spend on them.)
I've had very good look with approvals since I started lowering my limits but I'm wondering if I could be looking at a $1000 limit on these cards to stretch it even farther. (I'm holding several cards long-term for their annual benefits but not putting much spend on them.)
Mar 31, 2020, 2:05 pm
#118
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
I've had very good look with approvals since I started lowering my limits but I'm wondering if I could be looking at a $1000 limit on these cards to stretch it even farther. (I'm holding several cards long-term for their annual benefits but not putting much spend on them.)
Mar 31, 2020, 3:07 pm
#119
Join Date: Jul 2010
Location: 718
Programs: Hyatt Globalist, Hilton Diamond, Marriott Platinum, IHG Diamond
Posts: 967
Applied for IHG first, instant approval. Then 5mins later, different browser, applied for UA MPE got pending. Did not call recon. Waited 2 days and received online denial letter. Then after reading denial, called recon right away. On phone with rep for like 15mins, they pulled my credit again, then approved.
Apr 1, 2020, 3:51 pm
#120
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,297
Applied for IHG first, instant approval. Then 5mins later, different browser, applied for UA MPE got pending. Did not call recon. Waited 2 days and received online denial letter. Then after reading denial, called recon right away. On phone with rep for like 15mins, they pulled my credit again, then approved.