Reply
Valued Contributor
red259
Posts: 2,170
Registered: ‎06-05-2013
0

Re: January app spree


09Lexie wrote:

red259 wrote:

Will go for amex gold as charge card. Do you think I should go for the bcp over spg card as my amex revolver? I go back and forth on this. 


Do you stay at SPG Hotels a lot?


For this year probably sticking with marriot due to my status with them, but the points can go into a lot of different airline partners which is why I was interested in spg. 


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14
Goal Score: 800 In garden until 1/2015
Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: January app spree

[ Edited ]

FinStar wrote:

myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?


+1

 

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?


I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: January app spree

@whitesol, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
red259
Posts: 2,170
Registered: ‎06-05-2013
0

Re: January app spree


wHiTeSoL wrote:

FinStar wrote:

myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?


+1

 

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?


I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27


So now I am back to being confused as it seems that some people are getting two chase cards wirth one hard pull. 


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14
Goal Score: 800 In garden until 1/2015
Valued Contributor
FinStar
Posts: 6,955
Registered: ‎10-21-2012
0

Re: January app spree


red259 wrote:

wHiTeSoL wrote:

FinStar wrote:

myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?


+1

 

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?


I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27


So now I am back to being confused as it seems that some people are getting two chase cards wirth one hard pull. 


It's a YEMV situation.  By default, Chase will HP for each product you apply for including any CLI requests.  If you are moving or swapping CLs between personal cards or business cards, then no HP.

Valued Contributor
wHiTeSoL
Posts: 1,063
Registered: ‎07-09-2013
0

Re: January app spree


enharu wrote:
@whitesol, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.

Maybe I worded it poorly, I was approved for a united explorer, approved for an Ink bold, and got a CLI on my freedom all in one day with 1 HP. It certianly is possible but like everyone else is saying YEMV, expect multiple pray for 1. 


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Valued Contributor
FinStar
Posts: 6,955
Registered: ‎10-21-2012
0

Re: January app spree


wHiTeSoL wrote:

enharu wrote:
@whitesol, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.

Maybe I worded it poorly, I was approved for a united explorer, approved for an Ink bold, and got a CLI on my freedom all in one day with 1 HP. It certianly is possible but like everyone else is saying YEMV, expect multiple pray for 1. 


Exactly... well said wHiTeSoL.

Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

Re: January app spree

if you are going to try for AMEX I would AP in december to set your membership year that can make an impact with your AMEX membership, I don't think a couple weeks will mattter much in AP terms.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}