Will I get AA from Chase???

[icyhot]

Yes I have been. It was about $8400 a couple days ago. Will be down to another $2K in July

[CreditCuriosity]

You are fine then.  Just don't do Minimums and add more debt persay.

[CreditCuriosity]

Side note what the heck am I doing on this forum on a Sunday night on a holiday weekend... Ya I need a life

[Anonymous]

---

@icyhot wrote:
Overall UTL is about 28%

---

I wouldn't worry.  I had more & they didn't do anything.  You're good. 

[eddie84]

---

@CreditCuriousity wrote:

Side note what the heck am I doing on this forum on a Sunday night on a holiday weekend... Ya I need a life

---

You're not alone there. 

[icyhot]

Cool. I had another question. I wanted to add my mom as an AU to get the 5000 bonus points but her credit SUCKS so I probably won't actually give her the card but will they review her credit as well? Will they see someone with such poor credit having access to the account and close it?

[CreditCuriosity]

They won't pull her credit.. SSN isn't even required...  Just keep the card for yourself and don't give it to her and collect 5k points..  I provided my parents with my CSP but they have great credit and used it twice I think to help make meeting spend a bit easier when I was doing 3 spend meeting at a time.  

So no they won't pull her credit and it won't impact you unless you give her the card and she runs up the bill.

[Kostya1992]

They can AA whoever they want for whatever reason. They reserve that right and its in the terms and conditions that all Chase cardholders agreed to. I've seen people here who said they did nothing wrong, had low UTIL and got all their Chase accs shut down without any notice. So the answer to your question: maybe.

[CreditCuriosity]

---

@Kostya1992 wrote:

They can AA whoever they want for whatever reason. They reserve that right and its in the terms and conditions that all Chase cardholders agreed to. I've seen people here who said they did nothing wrong, had low UTIL and got all their Chase accs shut down without any notice. So the answer to your question: maybe.

---

Maybe a beautiful model will knock on my condo door tonight, but not likely..  So OP, with that said it most likely won't happen and if it ever does it is out of your control regardless so don't even stress about it just continue to pay it down and use it responsibly.

[Kostya1992]

---

@CreditCuriousity wrote:

---

@Kostya1992 wrote:

They can AA whoever they want for whatever reason. They reserve that right and its in the terms and conditions that all Chase cardholders agreed to. I've seen people here who said they did nothing wrong, had low UTIL and got all their Chase accs shut down without any notice. So the answer to your question: maybe.

---

Maybe a beautiful model will knock on my condo door tonight, but not likely..  So OP, with that said it most likely won't happen and if it ever does it is out of your control regardless so don't even stress about it just continue to pay it down and use it responsibly.

---

That's why you foster relationships with multiple banks so if one model leaves you have others to fall back on