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Regular Contributor
GlocksAndCredit
Posts: 169
Registered: ‎08-26-2012
0

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 $5000, Chase Freedom Sig Visa $5000, United MileagePlus Sig Visa $5000, Capital One VentureOne Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Capital One Quick Silver MasterCard $4000, Amazon Store Card $3700, Citi Simplicity Visa $3000, Sallie Mae Mastercard $2000, Fidelity AMEX $2000, BCE AMEX $2000, Amazon Reward Visa $1800, Barclays Apple Visa $1700, Discover IT $1500, Suncoast FCU $1000, Target REDCard $300

Current Scores: EQ 701 (Fico), EX 707 (Fico) **In the Garden unti....forever.
Established Contributor
longtime_lurker
Posts: 529
Registered: ‎10-21-2013
0

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.

Valued Contributor
BluePoodle
Posts: 1,331
Registered: ‎05-15-2013
0

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???


Hard Pulls: EX 4 | EQ 6 | TU 4 - Last App July 27, 2014
EX 705 | EQ 698 | TU 709 Oct 2014 Gardening to Jan 2015
Super Contributor
mongstradamus
Posts: 6,522
Registered: ‎06-19-2013
0

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 784 9/25/14 Fako 768 CS/Credit.com 8/22/14
EQ SW 818 quizzle fako 796 7/19/14
TU Fico 810 Fako 785 Creditkarma 10/10/2014
Valued Contributor
BluePoodle
Posts: 1,331
Registered: ‎05-15-2013
0

Re: Chase Cards

Can anyone tell me which CRA Chase pulls from?


Hard Pulls: EX 4 | EQ 6 | TU 4 - Last App July 27, 2014
EX 705 | EQ 698 | TU 709 Oct 2014 Gardening to Jan 2015
Super Contributor
mongstradamus
Posts: 6,522
Registered: ‎06-19-2013
0

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 784 9/25/14 Fako 768 CS/Credit.com 8/22/14
EQ SW 818 quizzle fako 796 7/19/14
TU Fico 810 Fako 785 Creditkarma 10/10/2014
Established Contributor
chwebb1
Posts: 529
Registered: ‎10-11-2013
0

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 NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo ScreenShot2013-10-12at111542PM.png photo DISCOVER_IT_LG.gif photo 8BEB_SIGNATURE_VISA_CASH_REWARDS_190x124.jpg photo HNY2HNY2.png photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$5000 ............ $4300 ............ $4000 ............ $2750 ............ $2500 ............ $1000 ............ $1000 ............ $1000
In the Garden until at least January 2015 (hopefully).
Established Contributor
ezdoesit
Posts: 1,045
Registered: ‎03-16-2013
0

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
BluePoodle
Posts: 1,331
Registered: ‎05-15-2013
0

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!


Hard Pulls: EX 4 | EQ 6 | TU 4 - Last App July 27, 2014
EX 705 | EQ 698 | TU 709 Oct 2014 Gardening to Jan 2015
Valued Contributor
BluePoodle
Posts: 1,331
Registered: ‎05-15-2013
0

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.


Hard Pulls: EX 4 | EQ 6 | TU 4 - Last App July 27, 2014
EX 705 | EQ 698 | TU 709 Oct 2014 Gardening to Jan 2015

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