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nenuco
Posts: 228
Registered: ‎07-30-2011
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Re: Chase (2) Personal Cards in one day?

This is true & good advice, but I really dislike Capital One! I only keep it because of the AA and the $0 AF. I hope I get approved though becuase I do travel and dine so the $95 is worth it. The Hyatt card also is nice as it has an EMV chip, which is much needed in certain parts in Paris. Fees aside do you think if I can get approved? Even if I have to recon... I just don't know as I don't have much credit with them! Thanks

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LS2982
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Re: Chase (2) Personal Cards in one day?


nenuco wrote:

This is true & good advice, but I really dislike Capital One! I only keep it because of the AA and the $0 AF. I hope I get approved though becuase I do travel and dine so the $95 is worth it. The Hyatt card also is nice as it has an EMV chip, which is much needed in certain parts in Paris. Fees aside do you think if I can get approved? Even if I have to recon... I just don't know as I don't have much credit with them! Thanks


Have you tried Cap1's exec. office for a CLI??

 

I think you have a fair chance of being approves, they may want to see more history on your freedom card first.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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espnjunkie
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Registered: ‎12-14-2011
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Re: Chase (2) Personal Cards in one day?

The way I look at it is the best way to use a rewards card is to charge pretty much everything to it and rack up points. Having multiple rewards cards just tends to dilute how many miles/points you are earning on each of them. Hard to say in terms of approval, I know you generally have to have at least one credit line of 5,000.00 or more to qualify. You seem to have a solid chance, only things working against you might be that you already have quite a bit of credit available to you and a relatively short credit history (don't worry haha, mine is just over one year myself).

 

The Hyatt card carries a 75.00 Annual fee as well that is not waived and has a minimum credit limit of 5,000.00 too. Chase may or may not be willing to give you another 10,000.00 of credit on top of what you already have... 

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
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nenuco
Posts: 228
Registered: ‎07-30-2011
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Re: Chase (2) Personal Cards in one day?

I have not... I wanted to do that the same day I apply so the inquiries are all in one day. I guess the only thing I can do is apply and cross my fingers lol Thanks for all the advice!

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nenuco
Posts: 228
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Re: Chase (2) Personal Cards in one day?

Thanks! I guess I'll have to take my chances in the ring of credit! I appreciate all your help and advice. What credit cards do you have? If you don't mind me asking, since we have similar credit lengths. 

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espnjunkie
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Re: Chase (2) Personal Cards in one day?

Mine are listed in the footnote of my posts

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Contributor
nenuco
Posts: 228
Registered: ‎07-30-2011
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Re: Chase (2) Personal Cards in one day?

lol I don't know how I missed that... I'll keep everyone posted. Wish me luck :smileyhappy:

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gettnthere
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Re: Chase (2) Personal Cards in one day?

GOODLUCK!!:smileywink:


nenuco wrote:

lol I don't know how I missed that... I'll keep everyone posted. Wish me luck :smileyhappy:


 



Starting Score: EQ 609, EX 633(Fako), TU 700
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LS2982
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Re: Chase (2) Personal Cards in one day?


nenuco wrote:

lol I don't know how I missed that... I'll keep everyone posted. Wish me luck :smileyhappy:


Fingers crossed for you!!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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CreditScholar
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Re: Chase (2) Personal Cards in one day?


nenuco wrote:

The Chase Freedom is currently at $3,000 I have not asked for a CLI though. I have two other cards with a $5,000 CL and then an AMEX with $3,000 a Citi with $4,000 and my lovely Capital One at $500. 


With only a 3k limit on the Freedom, I can see you possibly being approved for one but not both. Your age (and likely corresponding income), in addition to your lack of high limit cards and low AAoA will all work against you. You already have a lot of credit as it is. I can't realistically see Chase extending another 10k to you.

 

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Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
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Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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