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Old Jan 22, 2012 | 6:03 am
  #616  
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Originally Posted by xrl789
Can anyone offer me some advice here - made a stupid mistake today.

Have been really excited about applying for the Sapphire Preferred and this card both today under one pull. Stupid me, decided to first ask for a credit increase first so that I could have more bargaining power. Well, of course that counted as a hard pull, and automatically locked my Sapphire app as pending when I applied. I don't think I should have a problem getting that approved (Experian 748) and long term Chase customer with only 1 card currently. But I REALLY wanted this (United) card before the exp date. Should I still give it a chance, or does that just look like I'm too desperate for credit with three requests today? Don't want to risk my Sapphire app too.

Thank you in advance!
People around here seem to indicate that mulitple applications in one day show up only as ONE pull. I imagine that you rcredit increase (if that results in a separate pull) and cc app only counted as one pull.
Tailgater is offline  
Old Jan 22, 2012 | 6:53 am
  #617  
 
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Originally Posted by xrl789
.... But I REALLY wanted this (United) card before the exp date.
What's the expiration date, did I miss this somewhere or is this just speculation?
pcharles is offline  
Old Jan 22, 2012 | 7:13 am
  #618  
 
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I dont think it matters, the credit bureaus calculate your score with inquiries on the same day as 1 pull even if they are multiples.
As far as approval, i dont think it would be a problem.
If they ask why you app'ed for the other, just say maybe you were to split expenses or something along that nature.
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Old Jan 22, 2012 | 11:33 am
  #619  
 
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Originally Posted by metoo
...some say offer is open till end of January, some say they didn't see an expiration date....
Originally Posted by pcharles
What's the expiration date, did I miss this somewhere or is this just speculation?
It is unclear. Those who saw the 1/31/12 expiration date saw it in an e-mail offer they received.
muji is offline  
Old Jan 22, 2012 | 1:09 pm
  #620  
 
Join Date: Apr 2011
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Current CO MC holder (from early last year) - cancelled my UA Visa in the Fall last year - applied for the Explorer card and got turned down calling on "too many inquiries" - any chance I can get that overturned? I'd be willing to cancel my Continental card, or Marriott (opened for about 3 years now)
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Old Jan 22, 2012 | 1:15 pm
  #621  
 
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Originally Posted by MkDL426
Current CO MC holder (from early last year) - cancelled my UA Visa in the Fall last year - applied for the Explorer card and got turned down calling on "too many inquiries" - any chance I can get that overturned? I'd be willing to cancel my Continental card, or Marriott (opened for about 3 years now)
You should be fine. Just call reconsideration.
Milezjunkie is offline  
Old Jan 22, 2012 | 4:19 pm
  #622  
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As an info point, got a rejection letter on my new UAL Explorer app due to too many Chase apps and too much exposure due to my several Chase existing accts (BA, Sapp Pref, Ink Bold, et al).

Called reconsideration line, explained to analyst (who was interested in why I needed another card) that I was planning to start flying UAL much more due to new job obligations and benefits of UAL card would be helpful, also want to keep certain charges separate for record keeping reasons, and credit analyst suggested taking $5K from another card and adding new $5K. Fine by me. Called in two days later and app granted.

So far that's 150K UAL miles from bonuses recently!

Maybe time to lay off Chase apps for a bit. @:-)

Thanks so much to FTers who share and make this all possible.
biggestbopper is offline  
Old Jan 22, 2012 | 4:31 pm
  #623  
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Apparently there are two versions of this card after calling for some details. One has a credit line limit (platinum) and no-limit (signature) doesn't. Any of you getting a Visa Platinum vs. Visa Signature version of this card? If so, what's the difference (better) of the two?

Would the platinum disqualify applicants from the 50k bonus? Thoughts/experience?

"MILEAGEPLUS EXPLORER CARD: You will first be considered for a Visa Signature card. If you do not qualify for that product, you will automatically be considered for a Visa Platinum card, which has different fees, benefits, and credit availability."

Last edited by noonflyer; Jan 22, 2012 at 4:38 pm
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Old Jan 22, 2012 | 5:31 pm
  #624  
 
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Originally Posted by swat16
You should be fine. Just call reconsideration.
got it! thanks!
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Old Jan 22, 2012 | 5:51 pm
  #625  
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some what OT, but the card showed up in the mail over the weekend and boy, is it flimsy
It's thinner than any other card I have and feels like the kind you get in CC offer packages which say "your name here"
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Old Jan 22, 2012 | 6:15 pm
  #626  
 
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Originally Posted by tattikat2
some what OT, but the card showed up in the mail over the weekend and boy, is it flimsy
It's thinner than any other card I have and feels like the kind you get in CC offer packages which say "your name here"
They just know you only did it for the sign up and figure why bother wasting more material on a card you are not going to keep. I think they even considered sending you only a "virtual email card" instead .

(The card my wife received was a standard atypical plastic cc)
pcharles is offline  
Old Jan 22, 2012 | 8:50 pm
  #627  
 
Join Date: Jan 2012
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Thumbs up THANKS!!!

I just wanted to say a HUGE thanks about the 60k offer for the Chase United Explorer card. I read a lot of posts on here trying to figure out how to get to the offer. I kept only seeing the 40k offer as I clicked all the links in this forum. Then I tried another approach that worked!!!

Ok, so I do have a Continental OnePass card. I also have some miles on Continental. I had zero on United. Luckily I was already a United member though it's been a few years. So I linked my United and Continental mileage accounts and transferred 1000 miles to my United account. I came back here, clicked the link to the 60k offer and WALA!!!!

IT WORKED!!!!!!!

On top of that, I was instantly approved!

So I can't say thanks enough! This 50k will be used for our summer trip to Utah!

You guys on this forum are awesome!

THANKS AGAIN!!!

^ ^
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Old Jan 22, 2012 | 9:38 pm
  #628  
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Dear mtnman75,

Glad you got the card and the 50K bonus BUT generally, best use of miles is not for domestic flights to say, Utah. Pay for domestic flights, get miles for those flights, combine with bonus miles and fly biz or F internationally to get max value from your miles. ^
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Old Jan 23, 2012 | 3:42 pm
  #629  
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Originally Posted by biggestbopper
Dear mtnman75,

Glad you got the card and the 50K bonus BUT generally, best use of miles is not for domestic flights to say, Utah. Pay for domestic flights, get miles for those flights, combine with bonus miles and fly biz or F internationally to get max value from your miles. ^
I agree with you in general but on the other hand, the value of miles really depends upon the individuals needs. Some many never even fly out of the U.S. Why others like you & me probably love to jet set out of the U.S. I do always tell people to look at the ticket price of the flight you are redeeming for. If it's under $300-400, then you really should try not to use your miles unless absolutely strapped or you just have boat loads to blow.

Glad to hear everyone's stories and successes! Should be a fun year of bonuses!
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Old Jan 23, 2012 | 9:42 pm
  #630  
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Got mine today- when I validated it - the customer service rep mentioned the 50,000 miles. Here's hoping.
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