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Regular Contributor
Posts: 185
Registered: ‎08-26-2012
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Re: Chase Cards


virgo wrote:

Chase is what they call a 'judgemental lender'. This is why so many denials are overturned on re-con.  They do not only lok at the score.

 

I have four cards with them.  Started with the Freedom and SLate 10 months ago and 6 mos later got the Hyatt and Marriott.  They don't have a problem with multipes, but only two at a time.  It has always been one HP for a set.

 

Once you get in, they treat you well.  As for CLI's, totally different animal.  It is easier getting approved for the third and fourth card then getting an increase on the Freedom.

 

Hope this helps. 


If you carry a balance with chase (I did during my 0% apr period) they will give a CLI, at least in my experience, I went from 3K to 5K in like 12 months. But again YMMV.

CSP $9500, Chase Freedom Sig Visa $5000, Capital One VentureOne Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Amazon Store Card $5000, Capital One Quick Silver MasterCard $4000, Citi Simplicity Visa $4000, Fidelity AMEX $4000, Sallie Mae Mastercard $3300, Citi Double Cash $2700, AMEX BCE $2000, AMEX Everyday $2000, Amazon Reward Visa $1800, BP VIsa $1800, Barclays Apple Visa $1700, Discover IT $1800, Suncoast FCU $1000, Target REDCard $700

Current Scores: EQ 701 (Fico), EX 707 (Fico) **In the Garden unti....forever.
Established Contributor
Posts: 989
Registered: ‎10-21-2013
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Re: Chase Cards


collinsridge wrote:

virgo wrote:

Chase is what they call a 'judgemental lender'. This is why so many denials are overturned on re-con.  They do not only lok at the score.

 

I have four cards with them.  Started with the Freedom and SLate 10 months ago and 6 mos later got the Hyatt and Marriott.  They don't have a problem with multipes, but only two at a time.  It has always been one HP for a set.

 

Once you get in, they treat you well.  As for CLI's, totally different animal.  It is easier getting approved for the third and fourth card then getting an increase on the Freedom.

 

Hope this helps. 


If you carry a balance with chase (I did during my 0% apr period) they will give a CLI, at least in my experience, I went from 3K to 5K in like 12 months. But again YMMV.


I didn't even carry a balance and I went from 2.5k to 4k on my 4th statement, lol. It's all YMMV w/ auto CLI's from Chase.

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, US Bank Cash +, Huntington Voice, US Airways, Sallie Mae, Discover IT, Chase Freedom TU:751 EQ Enhanced: 748
Valued Contributor
Posts: 1,448
Registered: ‎05-15-2013
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Re: Chase Cards

Thanks everyone for your replies.

 

Can anyone tell me, is it just me or does Chase's Freedom Card and Discover It seem like the same categories this year? Like a lot of overlaping. Is that normally the case?  Like right now for this quarter both offer Gas at 5%

 

I know a lot of people have both to alternate categories...but it seems like not very beneficial from what I am seeing...but maybe I am missing something???

CapOne $5750 | Discover $8K | Amex ED $13.5K | Barclay SM $4K | Chase Disney $500 | Chase Slate $5K | Target $3K
Hard Pulls: EX 4 | EQ 5 | TU 5 Last HP 10/25/14
EX 705 | EQ 704 | TU 709 Oct 2014
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Posts: 8,921
Registered: ‎06-19-2013
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Re: Chase Cards


BluePoodle wrote:

Thanks everyone for your replies.

 

Can anyone tell me, is it just me or does Chase's Freedom Card and Discover It seem like the same categories this year? Like a lot of overlaping. Is that normally the case?  Like right now for this quarter both offer Gas at 5%

 

I know a lot of people have both to alternate categories...but it seems like not very beneficial from what I am seeing...but maybe I am missing something???


I think this is first time they have overlapped since I have had both cards I don't know though.I don't think will be able to max out this quarter 



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/7/15 791 Fako 808 Creditkarma 5/11/15
Valued Contributor
Posts: 1,448
Registered: ‎05-15-2013
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Re: Chase Cards

Can anyone tell me which CRA Chase pulls from?

CapOne $5750 | Discover $8K | Amex ED $13.5K | Barclay SM $4K | Chase Disney $500 | Chase Slate $5K | Target $3K
Hard Pulls: EX 4 | EQ 5 | TU 5 Last HP 10/25/14
EX 705 | EQ 704 | TU 709 Oct 2014
Super Contributor
Posts: 8,921
Registered: ‎06-19-2013
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Re: Chase Cards


BluePoodle wrote:

Can anyone tell me which CRA Chase pulls from?


Last time i appled for CSP in may, i got double pulled from TU and EX, I think when i applied for freedom i don't recall if it was an double pull or just an ex pull 



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/7/15 791 Fako 808 Creditkarma 5/11/15
Established Contributor
Posts: 864
Registered: ‎10-11-2013
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Re: Chase Cards


BluePoodle wrote:
It seems that unlike Barclay, Chase seems to not have a problem with more than one CC product in someones name.

Just wanted to let you know that Barclays will (and does) issue more than one credit card to a person. I have both the Barclaycard Ring and the Sallie Mae card.

 

As far as Chase is concerned, I heard that they'll use the same pull for 30 days on this forum, but I could be wrong about that.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png photo DISCOVER_IT_LG.gif photo HNY2HNY2.png
$6500 ............ $5400 ............ $5000 ............ $5000 ............ $5000 ............ $4500 ............ $4250 ............ $3000
In the Garden until at least November 2015.
Valued Contributor
Posts: 1,067
Registered: ‎03-16-2013
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Re: Chase Cards

When I applied for the CSP in May they pulled Ex.  Applied for Freedom four days later no pull.  It seems that they are region specific

Valued Contributor
Posts: 1,448
Registered: ‎05-15-2013
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Re: Chase Cards


chwebb1 wrote:

BluePoodle wrote:
It seems that unlike Barclay, Chase seems to not have a problem with more than one CC product in someones name.

Just wanted to let you know that Barclays will (and does) issue more than one credit card to a person. I have both the Barclaycard Ring and the Sallie Mae card.

 

As far as Chase is concerned, I heard that they'll use the same pull for 30 days on this forum, but I could be wrong about that.


Thank you. I know Barclay does issue more than one card. I have just ready they are less inclined to....but who knows.  In either case, I would probably apply for the Ring too if I ever decided to ap for another one of their cards. Thank you for sharing!

CapOne $5750 | Discover $8K | Amex ED $13.5K | Barclay SM $4K | Chase Disney $500 | Chase Slate $5K | Target $3K
Hard Pulls: EX 4 | EQ 5 | TU 5 Last HP 10/25/14
EX 705 | EQ 704 | TU 709 Oct 2014
Valued Contributor
Posts: 1,448
Registered: ‎05-15-2013
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Re: Chase Cards

[ Edited ]

ezdoesit wrote:

When I applied for the CSP in May they pulled Ex.  Applied for Freedom four days later no pull.  It seems that they are region specific


Thank you Mong and EZ,

I was pretty sure it was EX but I know I have read they double pull and I believe when I applied back in Dec of 2012 (declined) it was a double pull from EX and EQ but I thought that was only because they declined me.

CapOne $5750 | Discover $8K | Amex ED $13.5K | Barclay SM $4K | Chase Disney $500 | Chase Slate $5K | Target $3K
Hard Pulls: EX 4 | EQ 5 | TU 5 Last HP 10/25/14
EX 705 | EQ 704 | TU 709 Oct 2014
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