02-03-2012 04:45 PM - edited 02-03-2012 04:48 PM
-How hard is this card to get??
-Would it be difficult to get for a 1st time chase member?
-What bureau(s) do they usually pull?
-How are the rewards on this card??
Anyone with this card your input is appreciated!
02-03-2012 04:55 PM - edited 02-03-2012 04:56 PM
02-03-2012 04:57 PM
I was rejected online, but approved on recon with 5k cl, visa signature. First chase interaction, pulled experian only, no repull on recon. Score at rejection 638. No idea experian score at time of recon, but myfico eq had gone from 654 to 673 in same period. I think my experience is atypical. Rewards are great if you fly southwest a lot, visa signature has a nice concierge service. No priority boarding or club tix like united or continental, but free tix faster. Hope this helps.
Thinking about going for this instead of Discover in August. DW loves SW and other airline cards just don't seem nice to me.
02-03-2012 05:08 PM - edited 02-03-2012 05:14 PM
i was approved last year january with experian fico 650 @ $4k cl. its not instantly approved..after 4 days i received an email that i was approved.its my first chase cc,and my first highest cc, after first use i received a letter wth confirmation number for my free round trip domestic flight.
02-03-2012 07:37 PM
As stated before if you fly SWA this card is excellent to have. With the sign up bonus depending on where you are using the flights it could add up to way more than 2 r/t's. For me this was my first Chase card, but I had been getting at least 2 preapproved mailings a month from them before I went ahead with the application. I knew they were going to change the FF program, so I held off applying until a new points offer was made available. There are two different versions of this card, the Plus and Premier (I'm sure you've seen both of them advertised). Go ahead and apply for the Premier and if you don't get that they then consider you for the Plus I believe (double check this). Then as a last resort the Chase recon line is a lot easier to deal with than say Citibank, so I say give it a go! On a side note though, I do wish they would add some more benefits for at least the Premier version of the card. Other than 10k spend netting 1.5k tier qualifying points, there really isn't that much else included. The offer I received was for the Premier card ($99 AF) but they give you 6k points a year, which adds up to $100 in airfare. They pulled experian.
02-03-2012 08:30 PM
Pulled experian for me. No idea of the experian score. My equifax and TU scores are generally 790 to low 800s. I believe Chase is more strict with approvals on the airline cards vs. their non-co-branded cards (Freedom, Slate.)
I received instant approval for the Premier Signature card for just over 17k credit line. Received the approval in November 2011. This is my second card with Chase, the first being a Freedom with 3k credit line in March 2011. Other cards include a AmEx Green AU from 1986, AmEx BCP from March 2007, and a Citi Forward dated Sept 2009.
Rewards are excellent especially if you fly on the Wanna-Get-Away fares. Standard purchases would equate to about a 1.67% reward rate. I use it for any purchase that's not a grocery store, department store, or gasoline that I would get better returns with the AmEx on, or any purchases I would want AmEx consumer protection on. And the $99 annual fee, as another user said, is cancelled out by the 6000 points per year. However, this all assumes you fly Southwest.
05-17-2012 01:27 PM
I was denied for Slate, but approved for Southwest Rapid Rewards Plus with a 2500 limit. Good enough for me! I fly southwest all the time and I have been trying to get my foot in the door with Chase for a while now.
05-17-2012 01:52 PM
This is a card I would actually MUCH prefer to have over my current AU Amex Plat Skymiles, as I fly far more frequently aboard SW, than I do Delta. BNA (Nashville) is a hub for SW, so I can fly direct to TPA, GSP, or FLL non-stop (all family locations) usually several hundred dollars cheaper than aboard Delta and minus the layover in ATL.
05-17-2012 01:57 PM
I am considering stepping away from the garden to app for this card. Not sure yet.
We just completerd paying off two of our cards (one to go) that had fairly high balances so I will most likely wait until those update. Our utilization will then drop to about 2% and I do not have too many remaining INQ's. I think 4 at this time.
I though I had read there were some solid bonus points now, so it may be a good time.
05-17-2012 02:28 PM
When I applied last week it was 50,000 bonus points after first purchase, but now as far as I can see it's back down to 25,000. But it seems like they offer the 50,000 every couple of months or so.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.