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Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
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Re: How long between chase approvals

[ Edited ]
Okay so I know you can't pc from the amazon chase...but what about moving credit lines?
Could you app and if not instant, recon and ask for a portion of the amazon line to be moved to help the new line? In this way you are giving them something to and they might take that as a good intent. I dunno.
Still interested to know wha Enharu is thinking?

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HiLine
Posts: 2,906
Registered: ‎10-19-2012
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Re: How long between chase approvals


Open123 wrote:

HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.


Huh? Are they really? What low rewards cards are overrated in your view?

Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: How long between chase approvals


HiLine wrote:

Open123 wrote:

HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.


Huh? Are they really? What low rewards cards are overrated in your view?


Any 1% cashback general spending cards without a sign-up rewards.  I'd like people get more out of the rewards the issuers are giving, especially taking advatage of the sign-up bonuses.

Blogger
HiLine
Posts: 2,906
Registered: ‎10-19-2012
0

Re: How long between chase approvals


Open123 wrote:

HiLine wrote:

Open123 wrote:

HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.


Huh? Are they really? What low rewards cards are overrated in your view?


Any 1% cashback general spending cards without a sign-up rewards.  I'd like people get more out of the rewards the issuers are giving, especially taking advatage of the sign-up bonuses.


I don't think those cards are mentioned at all on this board. :smileywink:

Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: How long between chase approvals

I want it but idk if it's worth it lol
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: How long between chase approvals


HiLine wrote:

Open123 wrote:

HiLine wrote:

Open123 wrote:

HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.


Huh? Are they really? What low rewards cards are overrated in your view?


Any 1% cashback general spending cards without a sign-up rewards.  I'd like people get more out of the rewards the issuers are giving, especially taking advatage of the sign-up bonuses.


I don't think those cards are mentioned at all on this board. :smileywink:


It seems to me most people here discount the value of a sign-up bonus.  For example, the Freedom or Discover's 5% rotating categories are great, but overrated compared to Barclay's NFL card offering $400 for $1,000 spend (especially since credit can be applied even before paying the bill), followed up with a tail end $200 bonus a few months later.

 

By overrated, I mean the failure to take into consideration not only spending rewards, but also the sign-bonus, which in most cases will exceed most people's yearly bonus from spending.  Moreover, even if one were to spend $30K, why not use the initial $10K spend for sign-up bonsuses, then follow up with the $20K for the 2% cash card, etc...

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HiLine
Posts: 2,906
Registered: ‎10-19-2012
0

Re: How long between chase approvals


Open123 wrote:

HiLine wrote:

Open123 wrote:

HiLine wrote:

Open123 wrote:

HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.


Huh? Are they really? What low rewards cards are overrated in your view?


Any 1% cashback general spending cards without a sign-up rewards.  I'd like people get more out of the rewards the issuers are giving, especially taking advatage of the sign-up bonuses.


I don't think those cards are mentioned at all on this board. :smileywink:


It seems to me most people here discount the value of a sign-up bonus.  For example, the Freedom or Discover's 5% rotating categories are great, but overrated compared to Barclay's NFL card offering $400 for $1,000 spend (especially since credit can be applied even before paying the bill), followed up with a tail end $200 bonus a few months later.

 

By overrated, I mean the failure to take into consideration not only spending rewards, but also the sign-bonus, which in most cases will exceed most people's yearly bonus from spending.  Moreover, even if one were to spend $30K, why not use the initial $10K spend for sign-up bonsuses, then follow up with the $20K for the 2% cash card, etc...


Totally. Unless you're bounded by a major loan in the near future, it's a lot more lucrative to use the spending to clear sign-up bonuses. But there is always the headache of managing multiple cards to keep in mind. :smileyfrustrated:

 

I still don't understand why people would rather get a Discover It than a Discover More with even a $50, up to $200, sign-up bonus. :robothappy:

Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: How long between chase approvals


HiLine wrote:

I still don't understand why people would rather get a Discover It than a Discover More with even a $50, up to $200, sign-up bonus. :robothappy:


Exactly, especially since you can PC to the IT card instantly after receiving the $200.

Blogger
HiLine
Posts: 2,906
Registered: ‎10-19-2012
0

Re: How long between chase approvals


Open123 wrote:

HiLine wrote:

I still don't understand why people would rather get a Discover It than a Discover More with even a $50, up to $200, sign-up bonus. :robothappy:


Exactly, especially since you can PC to the IT card instantly after receiving the $200.


Exactly!

Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: How long between chase approvals

So do you guys think I have a good chance? Even Barclays would be solid lol
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...

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