Chase crackdown on churners: Please report your RR Visa approvals/denials here
Feb 5, 2017, 10:30 am
#46
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Received my first EVER denial of a credit card application this week - it was for a Southwest Platinum in my effort to get the companion pass this year (already got the Plus a month ago). I wish I had known about the 5/24 ahead of time, the reason was listed as:
Too many credit cards opened in the last two years associated with you.
I checked my records and have only opened 3 in my name in the last 2 years. Apparently just being an authorized user counts, though, because in trying to establish my wife's credit she's opened 5-6 and I've been an authorized user on them.
I called in and tried to explain this to an agent, but there was no flexibility; didn't apparently care that only 3 were my responsibility. Suffice it to say that I'm extremely disappointed that I won't be able to go for the companion pass - and wasted the bonus on the Plus card so I'll have to wait another 2 years to try that one again.
I did voice my displeasure with Chase but I know it doesn't matter. I guess all I can do is switch to a new credit card company and close my existing accounts, which I'll be doing as soon as the 50K bonus posts. By the way, my TransUnion and Equifax scores are both over 800.
Too many credit cards opened in the last two years associated with you.
I checked my records and have only opened 3 in my name in the last 2 years. Apparently just being an authorized user counts, though, because in trying to establish my wife's credit she's opened 5-6 and I've been an authorized user on them.
I called in and tried to explain this to an agent, but there was no flexibility; didn't apparently care that only 3 were my responsibility. Suffice it to say that I'm extremely disappointed that I won't be able to go for the companion pass - and wasted the bonus on the Plus card so I'll have to wait another 2 years to try that one again.
I did voice my displeasure with Chase but I know it doesn't matter. I guess all I can do is switch to a new credit card company and close my existing accounts, which I'll be doing as soon as the 50K bonus posts. By the way, my TransUnion and Equifax scores are both over 800.
Feb 5, 2017, 6:14 pm
#47
Join Date: May 2000
Location: Houston, TX, USA
Programs: UA 1K, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Titanium, Hertz Platinum
Posts: 7,969
I did voice my displeasure with Chase but I know it doesn't matter. I guess all I can do is switch to a new credit card company and close my existing accounts
By the way, my TransUnion and Equifax scores are both over 800.
Last edited by Steve M; Feb 5, 2017 at 7:51 pm Reason: Fixed formatting error
Feb 27, 2017, 12:16 pm
#48
Join Date: Feb 2017
Posts: 19
My question - how much time should I allow before reapplying for the Platinum Southwest card? I will be under the 5/24 limit once the credit reports update, but don't want to be denied for applying too quickly after my last application. Any suggestions about when I should try again?
Mar 21, 2017, 5:47 pm
#49
Join Date: Feb 2017
Posts: 19
Final update (probably). After having my accounts removed from my credit report I reapplied for a Chase Premier Southwest card roughly 2 months after having been previously denied for the 5/24 rule. I'm happy to report I was approved this time and am once again on track for a companion pass by the end of April. From now on I'll be much more careful about adding myself or my wife as an authorized user.