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Old Jan 7, 2010 | 3:06 pm
  #16  
 
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Originally Posted by bdd
darn, i was hoping to get the 3310 UM+ miles i need for a trip in june. i guess i'll have to do something different!
All you need is 3310 UA miles?

Just do Netflix and a couple of iDine, if you haven't done so, you'll be golden soon enough. Search UA and iDine Forums for current offers.

Or do a little bit of shopping through UA retail Partners and Mileage Plus Mall.
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Old Jan 7, 2010 | 4:48 pm
  #17  
 
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Originally Posted by buschoi
Have you checked all three of the credit agents?
Yes.
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Old Jan 8, 2010 | 5:46 am
  #18  
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Originally Posted by buschoi
the Chase system would automatically throw out all applications if the previous application was less than 6 months ago. Chase will NOT even re-consider it although you now have a hard-pull record for the next two years.
Yes and no. There is a 6-month rule, but they will sometimes relax it with certain conditions. Late last year I applied for a Chase Continental MC, and sent a reconsideration request after being denied. Chase called me & mentioned the 6-mo rule, but offered to issue the CO MC if I closed the other Chase card I'd opened less than 6 months earlier. YMMV.
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Old Feb 3, 2010 | 9:23 pm
  #19  
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I would like to add to those that get these form letters..... These are routine letters that banks now send out as protection layers for giving out to much credit to easily. If one has perfect credit with no reason in their decades of credit history to be rejected denied do as I did which is to call the bank and speak with the folks who denied you.
Of the few times I have ever been denied once they fully reviewed my history in all cases the card account was immediately opened and I threw away the silly form denial letter
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Old Feb 3, 2010 | 11:01 pm
  #20  
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I got a Chase rejection and a Chase "apply for this card now!" offer on the same day. That was kind of fun.
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Old Feb 4, 2010 | 7:17 am
  #21  
 
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personal v. business

Originally Posted by beltway
Yes and no. There is a 6-month rule, but they will sometimes relax it with certain conditions. Late last year I applied for a Chase Continental MC, and sent a reconsideration request after being denied. Chase called me & mentioned the 6-mo rule, but offered to issue the CO MC if I closed the other Chase card I'd opened less than 6 months earlier. YMMV.
I closed a Chase United card (stupid, stupid) around the same time I applied for and got the Chase BA (late November I think). Now I want some way of earning United miles via a card. Can I apply for a Chase United Business or will the 6 month rule apply in that case as well?

Thank you!
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Old Feb 4, 2010 | 12:31 pm
  #22  
 
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You may want to look into Chase's United debit cards: you earn either 1 or half a mile per $1 spent.
You also earn 2500 miles with the first purchase.
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Old Feb 4, 2010 | 12:59 pm
  #23  
 
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I applied for the Chase BA card in Nov and was denied. I called and they said I had too many recent credit card applications (not only to Chase but all that appeared on my credit check).

When I saw the offer was live again in January I threw in another application and was approved. Not sure how/why, but I don't need to know.

So, not sure there are any hard and fast 6 month rules.
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Old Feb 4, 2010 | 5:33 pm
  #24  
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Originally Posted by bdd
Yeah, I think getting approved for cards from diff banks is easier... than applying for both of these from Chase. Am I incorrect in this assumption? I got the Chase BA card, the SPG AmEx, and the Citi AAdvantage cards all within a few weeks of each other already, and then applied for the Chase UM+ card and was denied b/c of too recent of a request (that was the reason in the letter).
I learned talking to a Chase CSR recently about my MP Signature card that there is also a limit on the total amount of credit that Chase will extend to any cardholder. In my case, I already had the Amazon card and what used to be the Circuit City card, and while they approved me for the MP Signature, they took the credit limit from the existing two cards, leaving my total credit line with Chase now spread across 3 cards. On the app there was a check box where I had to certify that I had not been denied by Chase within the last 6 months, so I'm not sure if that extends to any application or just declined ones.

With that in mind, I would say you're correct that applying to cards from different banks will be better than multiple with one (so for me, I'm definitely going outside Chase for the next one--probably Amex since I can use that at Costco).
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Old Feb 4, 2010 | 6:52 pm
  #25  
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Originally Posted by beltway
Yes and no. There is a 6-month rule, but they will sometimes relax it with certain conditions. Late last year I applied for a Chase Continental MC, and sent a reconsideration request after being denied. Chase called me & mentioned the 6-mo rule, but offered to issue the CO MC if I closed the other Chase card I'd opened less than 6 months earlier. YMMV.
I can second this. After getting a CO card in Nov., I applied for the BA card in Jan. Got rejected intially, but after speaking with a CSR and agreeing to close out my CO card, I was approved for the BA card.
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Old Feb 4, 2010 | 7:45 pm
  #26  
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It's interesting how Chase apparently takes a rather hard line on the restrictions but then is willing to deal if you talk to a CSR about it. That seems to be a pattern with them that you can have decent luck appealing sometimes.
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