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CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
Re: Getting approved for Chase Hyatt Visa?
[ Edited ]

ssmith891 wrote:

Well it sounds like the Chase Marriott might actually be a better card after some research. I fear not being approved for either though.


The issue here isn't with your overall credit profile, since Chase has already given you 2 cards. It's just that lenders often don't want to give too many new accounts to someone in such a short amount of time.

 

If you use the cards that you have regularly and always PIF, you have a good chance to get a 3rd Chase card in another 3-6 months. Internal scoring and usage plays an important role in how Chase evaluates existing cardholders who apply for additional credit.

 

I actually think the Hyatt card is the overall better product, but if you're heavily invested in Marriott (as I am currently) or if Marriott fits your travel patterns better, then you should go with that instead.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL