Sep 4, 2015, 8:47 am
Last edit by: beltway
This thread is now archived. For ongoing discussion and the current/updated wiki, see Applying for Chase Credit Cards, 2017 onward. For the archived predecessor thread, see Applying for Chase Credit Cards- Archived 2008-5/2015
Archived: Applying for Chase Credit Cards- May 2015- Jan 2017
Aug 16, 2016 | 6:03 pm
#4561
Join Date: Aug 2016
Location: NYC-LDN
Posts: 143
Deleted
Last edited by dlesin; Sep 8, 2016 at 9:03 pm Reason: spelling
Aug 16, 2016 | 6:05 pm
#4562
Join Date: Oct 2010
Location: Santa Barbara, CA
Posts: 1,277
Can someone please advise on the following I'm currently 1/24 with a cpc and private bank relation looking to apply for CS(R) for obvious 100k and additionally palladium before they stop applications on the 19th in hopes post closing the app spigot they will improve benefits. I'm not to say with credit app process and am wondering what the odds are of applying for both within a 1 week time frame and them coming back with approvals are. I'm currently at an 840 score as of last week as a data point and my single chase card is a csp with a limit that is <1% of my stated income. Any help is appreciated and yes I have reached out to my private bank contact but have yet to hear back. Thanks!
The 100k CSR bonus will last at least a little while, it won't disappear immediately. My suggestion would be apply for the Palladium now, then wait a month before applying for the CSR. We should at least get some notice before the 100k bonus disappears.
Aug 16, 2016 | 7:21 pm
#4563
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 26,107
Another good way, at least for checking 5/24, is the Experian mobile app. It's free, and has a good view or recently opened accounts. Dashboard -> Open Accounts -> tap the eye in the bottom right corner, choose Date Opened (new to old)
It lists your recently opened accounts in order, so just scroll down a bit to see how many in the last two years. Note it doesn't include business cards, but those don't count towards 5/24 unless they were issued by Chase.
It lists your recently opened accounts in order, so just scroll down a bit to see how many in the last two years. Note it doesn't include business cards, but those don't count towards 5/24 unless they were issued by Chase.
Also, I presume it's getting Date Opened from the credit report too? So Amex cards that were opened before March 2015 which have backdated "opened on" dates on your credit report will similarly show backdated on the app?
Just checking, because are the two other common ways that cards opened can deviate from cards seen by Chase on your credit report.
Thanks.
Aug 16, 2016 | 7:31 pm
#4564
Join Date: Oct 2010
Location: Santa Barbara, CA
Posts: 1,277
Does it get all that from your Experian credit report? Ie, if a card you were just approved for hasn't shown up on your credit report yet, I presume the app won't show it either? (If the app showed cards that haven't shown up on your credit report yet, it could overestimate your 5/24 risk.)
Also, I presume it's getting Date Opened from the credit report too? So Amex cards that were opened before March 2015 which have backdated "opened on" dates on your credit report will similarly show backdated on the app?
Just checking, because are the two other common ways that cards opened can deviate from cards seen by Chase on your credit report.
Thanks.
Also, I presume it's getting Date Opened from the credit report too? So Amex cards that were opened before March 2015 which have backdated "opened on" dates on your credit report will similarly show backdated on the app?
Just checking, because are the two other common ways that cards opened can deviate from cards seen by Chase on your credit report.
Thanks.
The "opened on" date for all my Amex cards except my most recent (8/2015) show they were opened on 2001. When does Chase see Amex cards from 2014? Does the backdating help (they don't count towards 5/24?) or hurt?
Aug 16, 2016 | 9:53 pm
#4565
Join Date: Nov 2014
Location: USA
Posts: 1,084
I assume they don't show in the app until they're on the credit report, but can't confirm that.
The "opened on" date for all my Amex cards except my most recent (8/2015) show they were opened on 2001. When does Chase see Amex cards from 2014? Does the backdating help (they don't count towards 5/24?) or hurt?
The "opened on" date for all my Amex cards except my most recent (8/2015) show they were opened on 2001. When does Chase see Amex cards from 2014? Does the backdating help (they don't count towards 5/24?) or hurt?
Aug 17, 2016 | 1:02 pm
#4566
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,953
A friend just immigrated to US and started his credit history. He wants to apply for the IHG card, but credit is very new, has a good credit score, no negative marks, but age of account history is only 6 months old. He is an AU on family member's account. How much of a credit history does chase require before issuing credit.
Aug 17, 2016 | 1:18 pm
#4567
Join Date: Apr 2014
Location: DC
Posts: 360
I was in a similar situation a few year's back and got my first chase card (an amazon card, I was crazy with the $30 gift card they offered! LOL) with around 1 year of credit history.
Aug 17, 2016 | 7:05 pm
#4568
Join Date: Mar 2009
Location: LAX
Posts: 3,280
I'm 6/24 right now. I'll be 5/24 in mid-October, and 4/24 in mid-December. Presumably excellent credit, but I haven't checked. The biggest ding against me is my low income, but I've learned to be "creative" in how I calculate that. 
I want to get the CSR, and I'm thinking the best strategy would be to apply immediately in the hope that 5/24 doesn't apply right away. If not, I can try again in November. The safest thing to do would be to wait until January, but then I'd lose on the chance to double-dip on the $300 airfare credit.
Any comments or observations about flaws in this plan would be appreciated. Thanks!
I want to get the CSR, and I'm thinking the best strategy would be to apply immediately in the hope that 5/24 doesn't apply right away. If not, I can try again in November. The safest thing to do would be to wait until January, but then I'd lose on the chance to double-dip on the $300 airfare credit.
Any comments or observations about flaws in this plan would be appreciated. Thanks!
Aug 18, 2016 | 9:17 am
#4569
Join Date: Sep 2015
Programs: 1 thousand
Posts: 2,124
A friend just immigrated to US and started his credit history. He wants to apply for the IHG card, but credit is very new, has a good credit score, no negative marks, but age of account history is only 6 months old. He is an AU on family member's account. How much of a credit history does chase require before issuing credit.
(Following the advice of another FT'er I went for an AMEX everyday instead, and will continue building history from there.)
Last edited by televisor; Aug 18, 2016 at 11:54 am
Aug 18, 2016 | 12:00 pm
#4570
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,822
Moderator action
Discussion of annual fee refund policy has no apparent connection to applying for cards, and has been moved:
http://www.flyertalk.com/forum/chase...el-2016-a.html
http://www.flyertalk.com/forum/chase...el-2016-a.html
Aug 19, 2016 | 7:45 am
#4571
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,953
Sorry another noob question. My account has a hard pull from mortgage company; Also 2 new account from 1st and 2nd Mortgage. Plus a new car loan. Does the hard pull from mortgage company and car (nissan finance) count for the 5/24? How about for new open accounts for car and mortgage? Thanks for your patience.
Aug 19, 2016 | 8:05 am
#4572
Join Date: Apr 2014
Location: DC
Posts: 360
Sorry another noob question. My account has a hard pull from mortgage company; Also 2 new account from 1st and 2nd Mortgage. Plus a new car loan. Does the hard pull from mortgage company and car (nissan finance) count for the 5/24? How about for new open accounts for car and mortgage? Thanks for your patience.
What Chase seems to care about for the 5/24 rules is only new CCs listed on your credit report, not hard pulls or non-CC accounts.
Aug 19, 2016 | 3:48 pm
#4573
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,822
Moderator action
Discussion of an unconfirmed successor to the Palladium card moved:
http://www.flyertalk.com/forum/chase...dium-card.html
http://www.flyertalk.com/forum/chase...dium-card.html
Aug 20, 2016 | 11:01 am
#4574
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 26,107
Sorry another noob question. My account has a hard pull from mortgage company; Also 2 new account from 1st and 2nd Mortgage. Plus a new car loan. Does the hard pull from mortgage company and car (nissan finance) count for the 5/24? How about for new open accounts for car and mortgage? Thanks for your patience.
It scours you credit report for credit cards with an "opened on" date in the past 24 months. (To that it adds any Chase cards opened in the last 24 months which do not show up on your credit report, such as Chase business cards.)
Pulls don't count at all. Non-credit-card loans (such as mortgages or car loans. (Though technically charge cards are not quite the same as credit card, I presume it counts those too if they appear on your credit report. Not all do.)
5/24 is not there to determine your credit worthiness. 5/24 is there to weed out credit card churners (who apply for many credit cards mostly just for the signup bonuses).
Aug 20, 2016 | 11:25 am
#4575
Join Date: Jun 2012
Posts: 5
Experian mobile app
Another good way, at least for checking 5/24, is the Experian mobile app. It's free, and has a good view or recently opened accounts. Dashboard -> Open Accounts -> tap the eye in the bottom right corner, choose Date Opened (new to old)
It lists your recently opened accounts in order, so just scroll down a bit to see how many in the last two years. Note it doesn't include business cards, but those don't count towards 5/24 unless they were issued by Chase.
It lists your recently opened accounts in order, so just scroll down a bit to see how many in the last two years. Note it doesn't include business cards, but those don't count towards 5/24 unless they were issued by Chase.