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Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

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Anonymous
Not applicable

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

Congrats!
Message 21 of 32
Anonymous
Not applicable

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline


@Anonymous wrote:

Congrats on the approvals.   Like others I was hesitant to apply since I was declined for the Amazon Visa and had 39 inquiries on EX and 32 on EQ.   Well,  I finally just closed my eyes and hit the submit button after like 15 minutes of going between the application and the forum here to read about others approvals...

 

Well....I opened my eyes and say this:

 

 

 

Congratulations! Your application for The Ritz-Carlton Rewards Credit Card has been approved.

You'll receive your new card and Cardmember Agreement in 7-10 business days. When your card arrives, please confirm you received it by logging on to Chase.com or calling the toll-free number provided.

    • Your new account has a Credit Access Line of $5,000.
      If this does not meet your needs, you can discuss available credit line options with a Customer Service Specialist when you call to confirm receipt of your card.

 

    • Your Purchase Annual Percentage Rate (APR) is 15.99% variable.
      For all rate, fee and cost information, please refer to the Cardmember Agreement you'll receive with your card.

 

Note: If your application included balance transfer requests, those requests are still under review. You'll receive information about your requests in the mail within the next ten business days.

Thank you for choosing Chase.

Please print this page for your records.

 

 

 

I cannot say how estatic I am.    I now have my foot in the door with Chase too.    All this when Barclays closed my Apply Visa card early last month for too many new accounts and inquiries.

 

Again,  congrats to everyone who was approved for this card and THANK YOU everyone for the constant words of encouragement and advice to fellow myfico members.  

 

Between this and Navy Federal the past couple of weeks....its time to plant myself firmly in the garden.

 

Happy Holidays!

 

 

 

 


OMG INQUIRIES!

 

Congrats duder!

Message 22 of 32
Lyythine
Established Contributor

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

+1 on the inquires exclamation!

 

Out of curiosity, how many accounts did you open at once when barclays got nervous?

Message 23 of 32
Creditaddict
Legendary Contributor

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

UGH... you all made me apply!

 

Further processing.

Message 24 of 32
Lyythine
Established Contributor

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline


@Creditaddict wrote:

UGH... you all made me apply!

 

Further processing.


In all honesty, it doesnt take much to get you to apply Smiley Wink  Wishing you the best of luck on your app though!

Message 25 of 32
chalupaman
Super Contributor

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline


@Creditaddict wrote:

UGH... you all made me apply!

 

Further processing.


Good luck man. They are handing these cards out right now like crazy. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 26 of 32
Anonymous
Not applicable

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline


@Creditaddict wrote:

UGH... you all made me apply!

 

Further processing.


Lame.

Message 27 of 32
Anonymous
Not applicable

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

I opened the Barclays Apple card in mid August.    Between the time I opened this card and they closed it, there were 12-15 new accounts.    What caused them to notice was 2 days before they closed it, I submitted a CLI on the Apple Card which was denied due to the new accounts the CSR told me.    Then like I said,  2 days later Barclays closed it.   I found out the same day they closed it as I was checking all my accounts for balances that were due that billing cycle. ( I check all of my cards twice a month for balances and suspicious activity).    I finally received the letter from them about the account closing about 10 days later.    

 

As soon as I noticed Barclays closed the account,  I paid it off as I was NOT going to let them make any more money off me if I could help it.

Message 28 of 32
jsucool76
Super Contributor

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

Congrats on the approvals

 

And good luck CA. YOU CAN DO IT!

Message 29 of 32
Anonymous
Not applicable

Re: Chase Experiment: Chase Ritz Carlton Approval for 5K and a Chase Amazon decline

Good luck CA.  

 

Just so everyone knows,  these are my inquiry numbers AFTER the Chase approval per USAA Credit check monitoring.      I have had a busy and productive year for credit and because of Barclays learned my lesson.    In fact,  outside of Navy Federal,  this card was the only application to show up on the inquiries since November 12th when Barclays closed my account.

 

Lastly,  after I was approved for the Ritz card,  I went into chat for the Ebates Visa and got a CLI there of $2500.  Then I phoned Ebay Mastercard and got the same CLI there via the phone automated system.   Today was 4 months exactly since both cards were approved August 17th of this year.

 

 

 

 

 

My Credit Summary

See the same type of information lenders see when assessing your credit. Your Credit Report is current as of 12/17/2014.
 

  
Hard Inquiries, hard Impact. A “Hard inquiry” is created every time you apply or inquire about new credit or refinancing. Too many hard inquiries are seen as an indication that you’re trying to overspend, and they stay on your report for two years!
Experian®
Hard Inquiries:
40
Equifax®
Hard Inquiries:
34
Transunion®
Hard Inquiries:
9
Message 30 of 32
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