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Chase cards have arrived!!!

Moderator Emeritus

Chase cards have arrived!!!

Over the course of the last two weeks, I left the garden for two Chase cards -- a Freedom for the 5% rotating categories for my personal spending, and an Ink for my business spending, which also offers 5% back on categories that are applicable to my business's spending patterns, along with 1% on any out of category spending.

 

The Freedom arrived last week, and the Ink arrived today. I had to recon the Ink -- the specific reason for the denial was "too many recent inqs or accounts with Chase." The recon went splendidly, and I was approved with a $7500 CL. I was amused to see that both the automated denial letter and the card with welcome/info packet arrived the same day, (you're denied -- no, your approved! LOL! ).

 

I was also pleasantly surprised to see that the Ink is a World MC -- my very first! I already have two Visa Signatures, so this adds a little bit of variety to my wallet. Of course, this is just for business spending, but it's still wonderful to see that my credit qualified me for the World version.

 

What a nice start to the week! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1 of 19
18 REPLIES
Contributor

Re: Chase cards have arrived!!!

I love when I get my welcome letter or card on the same day as my denial letter Smiley Very Happy

 

btw. what kind of questions did they ask with the ink recon? Any business specific info necessary?



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Message 2 of 19
Moderator Emeritus

Re: Chase cards have arrived!!!

They asked about the size of the business, length of time in business, what it is that we do (type of business), annual income, salaries paid, my role within the company, etc. It was actually a very pleasant conversation, as the CSR was polite and friendly throughout. I just answered honestly whatever questions he posed. He also reviewed my personal credit, and it felt great to be told that everything looked solid. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 3 of 19
Established Contributor

Re: Chase cards have arrived!!!


tinuviel wrote:

They asked about the size of the business, length of time in business, what it is that we do (type of business), annual income, salaries paid, my role within the company, etc. It was actually a very pleasant conversation, as the CSR was polite and friendly throughout. I just answered honestly whatever questions he posed. He also reviewed my personal credit, and it felt great to be told that everything looked solid. Smiley Happy


I found from my business banker the other day that the business credit cards pulled personal credit reports.  He has had to have many unpleasant conversations aparently with business owners either applying for loans/lines of credit/ ccs about their credit history

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 4 of 19
Contributor

Re: Chase cards have arrived!!!

Thanks for the info.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Message 5 of 19
Moderator Emeritus

Re: Chase cards have arrived!!!


zyzzus wrote:

tinuviel wrote:

They asked about the size of the business, length of time in business, what it is that we do (type of business), annual income, salaries paid, my role within the company, etc. It was actually a very pleasant conversation, as the CSR was polite and friendly throughout. I just answered honestly whatever questions he posed. He also reviewed my personal credit, and it felt great to be told that everything looked solid. Smiley Happy


I found from my business banker the other day that the business credit cards pulled personal credit reports.  He has had to have many unpleasant conversations aparently with business owners either applying for loans/lines of credit/ ccs about their credit history


 

I was fully expecting this, as the application made it clear that I would be acting as guarantor. But the specific rewards offered were such a good fit for my business that I was willing to take the inq. Looking forward to being able to earn cash back on not only my personal, but also my business spending. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 6 of 19
Moderator Emeritus

Re: Chase cards have arrived!!!


londonhogfan wrote:

Thanks for the info.


You're most welcome.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 7 of 19
Moderator Emerita

Re: Chase cards have arrived!!!

I had hoped my Freedom would be in today's mail but it wasn't. Glad you got your Ink today and congrats on the World MC status.
Message 8 of 19
Established Contributor

Re: Chase cards have arrived!!!

Congratulations but it gets better when you see those UR points after meeting the minimum spend on the Ink!

Message 9 of 19
Moderator Emeritus

Re: Chase cards have arrived!!!


scenery_guy wrote:

Congratulations but it gets better when you see those UR points after meeting the minimum spend on the Ink!


Thanks. Yes, I'm looking forward to the $200 signup bonus. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 19