Chase united explorer card.....OMG

[TNTransplant]

Congratulations on the approval and great CL! 

[ElCamino]

This is a pretty old post for people to be congratulating...

[TNTransplant]

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@ElCamino wrote:

This is a pretty old post for people to be congratulating...

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Ha!  Did not notice that.

I'm usually pretty aware, but my head was definitely in the clouds today...  

[TM82]

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@flowfaster wrote:
I think there is a 65K mile bonus floating around the web. If you can find it still shoot them a secure message to see if Chase will match. Good luck and Congrats!

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The 65k bonus is actually the same one the OP got.  50k base points, 10k for meeting 25k in yearly spend, and 5k for adding an AU.  There is no no-string attached 65k offer.

[silverzgirl]

My income is high. Chase is sensitive to utilization, mine was fairly high so I was denied. And I work for United. Go figure.

I called the backdoor recon number (made large payments and also consolidated some), and was still denied. This time it came back as having too much available credit. So they are also sensitive to how much you potenially have at your disposal.

[enharu]

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@silverzgirl wrote:

My income is high. Chase is sensitive to utilization, mine was fairly high so I was denied. And I work for United. Go figure.

I called the backdoor recon number (made large payments and also consolidated some), and was still denied. This time it came back as having too much available credit. So they are also sensitive to how much you potenially have at your disposal.

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if they feel that you have too much available credit for your income level, you can offer the analyst that you'll close out some accounts if that will get you approved. 

You'll need to evaluate which card you need most and don't need.

[silverzgirl]

Closing accounts will bring me back to the original reason for denial, an even higher ute factor. I should add this was for the Club card. Explorer has been bombarding my mailbox in the three weeks since denying me.

They just won't land me as a customer. I see plenty of people on here with far more potential debt than I getting approved, so I am not sure I buy that excuse.

[enharu]

you could and should talk to an analyst about it.

if util is going to be an issue after some accounts are closed, the real solution is to really pay down debts in order to really address the root of the problem.

Maybe at that point in time of application you reached the maximum CL threshold chase is willing to extend to you. It might be different now, and that threshold certainly changes over time as well.

[silverzgirl]

They are bigger CLs and older accounts, but limited in scope. For example, I will likely never buy anything else from Gateway so that huge CL will remain at zero. It is also over a decade old and as long as it is open and reporting, it is good for overall ute and AAoA. I can't exactly buy a Rolex, a Vuitton bag and a trip to Paris with it.

I don't NEED the card, It was a want. Thus it is really no real skin off my nose that they declined. I save myself an AF and my CUs (who did give generous CLs) get the business. I would have liked the miles, admittedly.