Chase crackdown on churners: Please report your RR Visa approvals/denials here
Jun 16, 2015, 12:00 am
#1
Moderator: Southwest Airlines, Capital One
Original Poster
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,620
Chase crackdown on churners: Please report your RR Visa approvals/denials here
As reported in the Wiki and recent posts in this thread: http://www.flyertalk.com/forum/chase...solidated.html
Chase Bank recently began denying applications that would have been approved prior to May 2015. The denial criterion is reported to be more than 5 credit card applications, from not just Chase but all banks, over the past 24 months.
For our purposes here, the interesting aspect is that Chase may be looser with approvals of affiliate cards like United or Hyatt or Southwest. At this point it's clear that approval of Sapphire and Freedom cards has become very difficult. Reconsideration phone calls are now rarely successful no matter how many times you try, and you might even be forced to close some existing accounts if you call. I now recommend NOT calling in about ANY Chase application, win or lose.
If you have applied for any Rapid Rewards Visa since mid-May, please report your results here, including:
1. Type of card (Plus or Premier, personal or business)
2. Number of cards you have applied for in the past 24 months, and
3. Your approval/denial result, instant approval, delayed approval without a phone call, approval after you called, denial with no phone call attempted, or denied after you called.
Feel free to add any description of your prior success rate, credit rating, or other information which would help us calibrate your report.
Chase Bank recently began denying applications that would have been approved prior to May 2015. The denial criterion is reported to be more than 5 credit card applications, from not just Chase but all banks, over the past 24 months.
For our purposes here, the interesting aspect is that Chase may be looser with approvals of affiliate cards like United or Hyatt or Southwest. At this point it's clear that approval of Sapphire and Freedom cards has become very difficult. Reconsideration phone calls are now rarely successful no matter how many times you try, and you might even be forced to close some existing accounts if you call. I now recommend NOT calling in about ANY Chase application, win or lose.
If you have applied for any Rapid Rewards Visa since mid-May, please report your results here, including:
1. Type of card (Plus or Premier, personal or business)
2. Number of cards you have applied for in the past 24 months, and
3. Your approval/denial result, instant approval, delayed approval without a phone call, approval after you called, denial with no phone call attempted, or denied after you called.
Feel free to add any description of your prior success rate, credit rating, or other information which would help us calibrate your report.
Last edited by nsx; Jun 27, 2015 at 4:19 pm Reason: Added request for type of approval or denial
Jun 16, 2015, 9:51 am
#3
Join Date: Jan 2005
Programs: UA GOLD MM,WN CP A+list, HH Gold,MR LT Titanium
Posts: 2,184
Wife's application-employment status "retired"
Personal Premier
This was application #6 within 24 months
Approved
Additional data
The month prior to the Southwest app, mortgage was refinanced.
New Citi card approved also,after the Chase approval.
Initial response to the online app,was pending,but we never call in,but simply wait and eventually all apps have been approved
This was application #6 within 24 months
Approved
Additional data
The month prior to the Southwest app, mortgage was refinanced.
New Citi card approved also,after the Chase approval.
Initial response to the online app,was pending,but we never call in,but simply wait and eventually all apps have been approved
Jun 16, 2015, 7:41 pm
#6
Moderator: Southwest Airlines, Capital One
Original Poster
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,620
Jun 19, 2015, 12:35 am
#7
Join Date: Jan 2013
Posts: 413
SW Premier Personal
16 CC apps in 2 years prior to this one
Approved 6/18
I'm not sure how Chase can know how many cards you applied for in the last two years. They only pull one bureau so at most they'll know how many hard pulls you had from that bureau, though even then hard pulls do not necessarily mean credit card apps. Now if they are counting how many new credit card accounts you opened in 2 years that's another story...
16 CC apps in 2 years prior to this one
Approved 6/18
I'm not sure how Chase can know how many cards you applied for in the last two years. They only pull one bureau so at most they'll know how many hard pulls you had from that bureau, though even then hard pulls do not necessarily mean credit card apps. Now if they are counting how many new credit card accounts you opened in 2 years that's another story...
Jun 19, 2015, 7:46 am
#9
Join Date: Jan 2005
Programs: UA GOLD MM,WN CP A+list, HH Gold,MR LT Titanium
Posts: 2,184
SW Premier Personal
16 CC apps in 2 years prior to this one
Approved 6/18
I'm not sure how Chase can know how many cards you applied for in the last two years. They only pull one bureau so at most they'll know how many hard pulls you had from that bureau, though even then hard pulls do not necessarily mean credit card apps. Now if they are counting how many new credit card accounts you opened in 2 years that's another story...
16 CC apps in 2 years prior to this one
Approved 6/18
I'm not sure how Chase can know how many cards you applied for in the last two years. They only pull one bureau so at most they'll know how many hard pulls you had from that bureau, though even then hard pulls do not necessarily mean credit card apps. Now if they are counting how many new credit card accounts you opened in 2 years that's another story...
Jun 19, 2015, 10:48 am
#10
Join Date: Jan 2004
Location: SFO, SJC, OAK, LVK AA Lifetime Plat 2MM, LUV A-List, Hyatt Gold, SPG Lifetime Gold, Commercial Pilot (not employed by airlines)
Posts: 1,531
Is there a discussion of the new "loosened" rules anywhere? With my daughters starting at UCSD in the fall I'd like to rebuild my WN bank--and I already got a WN card a year or two ago.
Jun 19, 2015, 11:34 am
#11
Join Date: Aug 2014
Programs: Alaska MVP Gold, Marriott Gold
Posts: 283
From my understanding, their new 5 card rule shouldn't impact RR card approvals should it? This is only for Ultimate Reward/Chase branded credit cards.
WN and other airlines/hotels have deals in place with Chase to be partners. If Chase were to stop a WN customer from getting "their" card because they had other cards open it would cause fits and the Chase/airline relationship would be severely damaged. I think we're safe with RR card churning.
WN and other airlines/hotels have deals in place with Chase to be partners. If Chase were to stop a WN customer from getting "their" card because they had other cards open it would cause fits and the Chase/airline relationship would be severely damaged. I think we're safe with RR card churning.
Jun 19, 2015, 11:55 am
#12
Join Date: Jan 2004
Location: SFO, SJC, OAK, LVK AA Lifetime Plat 2MM, LUV A-List, Hyatt Gold, SPG Lifetime Gold, Commercial Pilot (not employed by airlines)
Posts: 1,531
Jun 19, 2015, 12:22 pm
#13
Join Date: Aug 2014
Programs: Alaska MVP Gold, Marriott Gold
Posts: 283
Always be smart. If you want to be approved for a chase RR card leave chase apps alone for 6+ months. then hit them up. Split up business/personal and spread those out at least a month when making a CP play. Status quo on this I would guess. But I don't have inside knowledge. All I'm thinking is that Chase does not want to piss off their valuable partners, and denying a ton of WN customer's their branded credit card would do exactly that.
Jun 19, 2015, 1:10 pm
#14
Moderator: Southwest Airlines, Capital One
Original Poster
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,620
Probably, but nobody knows for sure. If Chase started turning down RR Visa applications right and left, they'd have some 'splainin' to do to Southwest.
Jun 19, 2015, 1:48 pm
#15
Join Date: Jan 2004
Location: SFO, SJC, OAK, LVK AA Lifetime Plat 2MM, LUV A-List, Hyatt Gold, SPG Lifetime Gold, Commercial Pilot (not employed by airlines)
Posts: 1,531
Always be smart. If you want to be approved for a chase RR card leave chase apps alone for 6+ months. then hit them up. Split up business/personal and spread those out at least a month when making a CP play. Status quo on this I would guess. But I don't have inside knowledge. All I'm thinking is that Chase does not want to piss off their valuable partners, and denying a ton of WN customer's their branded credit card would do exactly that.