topic Re: Approved - United Mileage Plus Club Card in Credit Card Approvals

Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 11:55:26 GMT

I received a targeted offer a few weeks go after getting the Mileage Plus Explorer card for the 55k bonus miles to get the Club card with the annual fee waived. I was holding off on applying since I just got the Explorer in late March and I already have 5 Chase cards (Freedom, CSP, Amazon, Palladium, and Explorer).

But my targeted offer expired on the 31st and I have an upcoming trip to Newport that I wanted to break the card in on. So unfroze Experian since that's the only CRA Chase seems to pull, and bam, approval for $20,000. That surprised me since most of the Chase cards I got seemed to have smaller lines (CSP @5k, even though that card gets about 3.5k a month through it and 2k for the MPE, which I got just for the bonus, and 1.5k for the Amazon which I let my cousin use). But maybe they were just making it up to me.

Some data points

myFico has Equifax at 749, reported utilization at 6%, income at 95k. 5 existing Chase cards, last one in March. 5 inquiries on EX, only 1 in the past 6 months.

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 11:57:16 GMT

grats!!!
very nice limit. I hope Chase can give me such a high limit

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 12:20:27 GMT

55,000 bonus miles? that's almost double the current broad market offer. Did you get that through a mailer? Congrats and nice limit!

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 13:36:56 GMT

I've been dying to App for this card.. But my scores just arent high enough yet.. and my util is at about 62% I'm paying it off so my scores keep jumping every month... getting their slowly but surely

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 13:38:14 GMT

55k! nice targeted bonus you got there. quite jealous although I'm in no position to app for at least 9 months.

Re: Approved - United Mileage Plus Club Card

CS800 — Tue, 14 May 2013 13:46:01 GMT

Congrats !!

I see that you have a good lineup of Chase cards in your siggy

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 14:20:11 GMT

Thanks, I did get targeted for the 55k points but I've heard that anyone can really app for the MPE and SM Chase asking them to match it.

I've literally acquired all the cards that I really want now, so anything else from now will be for just bonus points and meeting minimum spend.

For me right now it's

Freedom - 5% categories plus wife's daily spend.
Amazon - AU card for my cousin who doesn't have a SSN and pays me in full every month.
CSP - Daily spend for my parents who pay me in full every month.
Palladium - Don't use it much if at all lately, so I reserve it for my UR bonus points mall spend since they're less likely to protest the bonus point claim. I got this for the United Club status which I now have, so when the AF waiver comes due I may close to consolidate into my new Club card.
MPE - Bonus points only, will sock drawer it now.

And whatever Amex I carry is exclusively for Costco purchases. Though I may now just start buying Costco Cash cards online at Costco.com and start getting 1.5 miles instead of a crappy 1 MR point.

Re: Approved - United Mileage Plus Club Card

blk8 — Tue, 14 May 2013 14:20:59 GMT

@Anonymous wrote:
I received a targeted offer a few weeks go after getting the Mileage Plus Explorer card for the 55k bonus miles to get the Club card with the annual fee waived. I was holding off on applying since I just got the Explorer in late March and I already have 5 Chase cards (Freedom, CSP, Amazon, Palladium, and Explorer).

@But my targeted offer expired on the 31st and I have an upcoming trip to Newport that I wanted to break the card in on. So unfroze Experian since that's the only CRA Chase seems to pull, and bam, approval for $20,000. That surprised me since most of the Chase cards I got seemed to have smaller lines (CSP @5k, even though that card gets about 3.5k a month through it and 2k for the MPE, which I got just for the bonus, and 1.5k for the Amazon which I let my cousin use). But maybe they were just making it up to me.

Some data points

myFico has Equifax at 749, reported utilization at 6%, income at 95k. 5 existing Chase cards, last one in March. 5 inquiries on EX, only 1 in the past 6 months.

Just so I understand this right, you have the Palladium card but your other cards with Chase have a 5k and below limit?

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 15:45:24 GMT

Yes that is correct. Palladium is set at 15k so this is my highest Chase line to date.

That's one of my concerns I had because if it went to recon there wouldn't be much that I could ask them to take a line from.

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 15:53:27 GMT

Other than the sign up bonus, is there any other reason to have both the explorer and the club card?

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 16:50:15 GMT

Nope, which is why I don't intend to keep the Explorer. I just don't want them to clawback the miles.

Re: Approved - United Mileage Plus Club Card

Anonymous — Tue, 14 May 2013 18:16:39 GMT

Congrats...nice cl!

Re: Approved - United Mileage Plus Club Card

CreditScholar — Wed, 15 May 2013 06:30:27 GMT

@Anonymous wrote:
Nope, which is why I don't intend to keep the Explorer. I just don't want them to clawback the miles.

+1. The Club card is far superior if you're a heavy flier, big spender or both.

Re: Approved - United Mileage Plus Club Card

Cdnewmanpac — Wed, 15 May 2013 13:10:00 GMT

@Anonymous wrote:
55,000 bonus miles? that's almost double the current broad market offer. Did you get that through a mailer? Congrats and nice limit!

I assume OP means the 50k targeted offer plus 5k for adding an AU. While the public offer is 30k+ 5k for AU, you can call or secure message chase and ask them to match the higher offer. I called, spoke with a nice rep who said they forward these requests to marketing. About 2 weeks later, I got a letter saying they were adding 20k miles to my original bonus. When the next statement cut, there they were. The cs rep I spoke with said they were more likely to match if you got the MPE when purchasing tickets, fyi. So if you got the 30k bonus that way, consider contacting chase.

OP: Did you use your MPE much before getting the targeted offer for club card? Do you fly united a lot? I've thought about upgrading for the lounge access and 2nd free bag (issue when traveling with kid), but it would be great to try for a year before committing. enjoy the card.

Re: Approved - United Mileage Plus Club Card

visorboy1974 — Wed, 15 May 2013 13:52:55 GMT

Congrats! I've had it since December...great card and you'll enjoy the United Club compared to the regular airport noise.