Ritz Approval Chance?

[SuperKirby]

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@ImprovingYouth wrote:

Well the fact that she only has that many accounts is only indicative of the last 7 years, so feasibly she could have had many accounts open that have just fallen off, so if they bring up something about that, just tell them that (I would not expect them to ask). Honestly, your credit profile is spotless, JUST APP FOR IT ALREADY!

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I wish my credit profile looked like hers (my friend's). anyway, alright she'll use that number someone had posted for the 140K bonus points...

TY

[dilettante]

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@SuperKirby wrote:

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@dilettante wrote:

IMO Chase is very generous to those with good credit. They gave me 3 new cards within a month. But why is she afraid of just applying? This is a great time to get in on the generous sign up bonus they're offering right now (wish I had waited, only got 70,000 sign up).

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This is my fault actually. She was talking about traveling and the credit card(s) thing came up and she said she was gonna apply. I said wait, let me see what "my friends" think first JIC. LMAO...i need a life..

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You need to take my attitude of "whyever not"? I just go until they say no.

[Dustink]

Does she know it carries a $395 AF?

[SuperKirby]

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@Dustink wrote:

Does she know it carries a $395 AF?

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yeah, most def. We were discussing her travel plans and where she frequents and mentioned perks of credit cards, AAA (turns out she gets AARP benies anyway), and deals online amongst other travel related things. I wouldn't leave the "fine print" out, that'll be wrong.

Anyway, she better take me on these trips..

[enharu]

Dustlink's thread has a link to the promo thread. Remember about that!

[Dustink]

There are plenty of decent Marriotts for around 10k points per night outside major cities.

140k could be many free nights

Keep us posted on the app.

[SuperKirby]

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@enharu wrote:
Dustlink's thread has a link to the promo thread. Remember about that!

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Yup! Gotcha. thanks, @Dustink!

[TheConductor]

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@SuperKirby wrote:

 I see 2 caveats. Only 7 accounts in her lifetime (60 years old), and never had a relationship with Chase.

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Are you kidding?  Those aren't "bugs", they're "features".

She is exactly the sort of person the FICO algorithm loves.  And lenders, too!

When Chase sees someone like this who "never had a relationship" with them, they say to themselves "OMGOMGOMGOMGhowcanwegether?"

If she doesn't get the card, I will personally take a punch from Mike Tyson.

[SuperKirby]

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@TheConductor wrote:

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@SuperKirby wrote:

 I see 2 caveats. Only 7 accounts in her lifetime (60 years old), and never had a relationship with Chase.

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Are you kidding?  Those aren't "bugs", they're "features".

She is exactly the sort of person the FICO algorithm loves.  And lenders, too!

When Chase sees someone like this who "never had a relationship" with them, they say to themselves "OMGOMGOMGOMGhowcanwegether?"

If she doesn't get the card, I will personally take a punch from Mike Tyson.

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LOL, i'll update later. she says shes calling tomorrow or sometime this weekend.

[mark293]

Came out of the garden today and applied in branch. Instantly approved for 14k. It is not the best card, but it was a must have for me.