Reapplying for a Credit Card
Nov 15, 2010 | 2:47 pm
#1
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
Reapplying for a Credit Card
Fresh out of school in August I applied for the select visa and was denied due to no history. since then I have my own apartment (paying bills, etc), full time job, and have an AMEX. should i apply again or wait? I just got an offer for 50,000 bonus miles.
Nov 15, 2010 | 2:47 pm
#2
Join Date: Jul 2005
Location: SAN
Programs: UA 1MM/1K, HH Diamond
Posts: 7,294
IIRC, you have to wait minimum six months before you can reapply.
Nov 15, 2010 | 2:51 pm
#3
Join Date: Sep 2006
Posts: 1,051
You might want to call Chase or write them a letter for reconsideration of your application. Before you call them or write the letter, prepare all the supportive documents.
Or you could give a new application in six months after your previous one.
Good luck!
Or you could give a new application in six months after your previous one.
Good luck!
Nov 15, 2010 | 2:53 pm
#4
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
what would i even need for that? Sounds like a huge hassle, I guess. I feel like having a limited history either way is going to hurt me if they have a set time frame
Nov 15, 2010 | 4:00 pm
#5
Join Date: Nov 2010
Location: LAX
Posts: 6
I recently applied for the UA credit card as well; however, I was also denied due to a short credit history and having too high of a mix of Bank credit cards. I have had a credit card since January of 2004, and they still felt that my history was too short.
This card seems very elusive to get...
This card seems very elusive to get...
Nov 16, 2010 | 1:14 pm
#6
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
I recently applied for the UA credit card as well; however, I was also denied due to a short credit history and having too high of a mix of Bank credit cards. I have had a credit card since January of 2004, and they still felt that my history was too short.
This card seems very elusive to get...
This card seems very elusive to get...
Nov 18, 2010 | 4:21 am
#7
In memoriam
Join Date: Jan 2006
Posts: 4,020
Nah. They were on lock down long before the consumer protection laws due to the credit crises they (among a lot of others) caused.
What's wrong with a Citi AA card with 75K bonus miles?
Citi is not easy to deal with, but, lots easier than Chase.
What's wrong with a Citi AA card with 75K bonus miles?
Citi is not easy to deal with, but, lots easier than Chase.
Nov 18, 2010 | 8:07 am
#8
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
AA isn't a carrier option for me, coupled with the fact all of my miles are invested with united
Nov 18, 2010 | 8:28 am
#9
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 30,343
If you get the Citi card, then at least you have one card added to your scanty history... plus 75K miles to boot... good for 3 domestic r/t at a minimum ... and almost 2 offpeak Europe r/t...
Nov 18, 2010 | 9:14 am
#10
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
Many of us here have accounts in all the major airlines with sizable balances in each of them.
If you get the Citi card, then at least you have one card added to your scanty history... plus 75K miles to boot... good for 3 domestic r/t at a minimum ... and almost 2 offpeak Europe r/t...
If you get the Citi card, then at least you have one card added to your scanty history... plus 75K miles to boot... good for 3 domestic r/t at a minimum ... and almost 2 offpeak Europe r/t...
like i said, i have an amex, so i'll probably just let that build for a year
Nov 18, 2010 | 10:27 am
#12
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Nov 18, 2010 | 10:37 am
#13
Original Poster
Join Date: Nov 2010
Location: DC Metro
Posts: 53
my flights are really only to visit family (IAD-->ORD, SYR, ROC) and the occasional vacation (SFO, ORL). united (*A) is just cheaper. so when you only take ~3 flights a year price matters more than anything
Nov 18, 2010 | 2:00 pm
#14
Join Date: Feb 2009
Location: SEA
Programs: Alaska Titanium, Hilton Diamond, Hyatt Globalist, Marriott LT Plat
Posts: 1,781
I recently applied for the UA credit card as well; however, I was also denied due to a short credit history and having too high of a mix of Bank credit cards. I have had a credit card since January of 2004, and they still felt that my history was too short.
This card seems very elusive to get...
This card seems very elusive to get...
My history with Chase is short (mostly with Citi and BOA), but the last card I applied, the Chase BA card in Dec of last year, went through as well, although it had a jaw-dropping low credit line.
Nov 18, 2010 | 5:36 pm
#15
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 30,343
What kind of logic that is?
Besides, "vow" is not for airlines who couldn't care less for your loyalty unless you are their top tier flyers - that means flying 100K miles a year...
I hope the @:-) would come on...