topic Lol/24 Chase Customer cold app? in Credit Card Applications

Lol/24 Chase Customer cold app?

MrDFinance — Sun, 12 May 2019 07:54:47 GMT

Are their any data points that suggest existing chase customers that don’t have pre Approvals for a specific card cold apping and getting approved?
I recently got 2 offers (lol/24) one for the CSP which I took and another for the CFU which I passed on but I wouldn’t mind having the Marriott Boundless but don’t wanna poke the bear ...

Re: Lol/24 Chase Customer cold app?

Anonymous — Sun, 12 May 2019 08:13:41 GMT

You don't want to poke the bear but you're thinking about making a cold app? Sounds contradictory to me.

Re: Lol/24 Chase Customer cold app?

Anonymous — Sun, 12 May 2019 08:46:06 GMT

Re: Lol/24 Chase Customer cold app?

UncleB — Sun, 12 May 2019 09:44:38 GMT

@MrDFinance wrote:
Are their any data points that suggest existing chase customers that don’t have pre Approvals for a specific card cold apping and getting approved?
I recently got 2 offers (lol/24) one for the CSP which I took and another for the CFU which I passed on but I wouldn’t mind having the Marriott Boundless but don’t wanna poke the bear ...

If you're LOL/24 and have no offers I wouldn't expect success with a cold app.

Re: Lol/24 Chase Customer cold app?

Remedios — Sun, 12 May 2019 13:35:36 GMT

If your signature is accurate, you already poked the bear by opening 5 cards (including CSP) and adding AU account in May.

Your new Amex cards may not be reporting yet, and hopefully wont be while Chase is doing SPs.

I would seriously forget Chase exists for a while.

Re: Lol/24 Chase Customer cold app?

CreditInspired — Sun, 12 May 2019 14:35:54 GMT

@Anonymous wrote:

I LUV LUV LUV this.

This made my Sunday 😂🤣

Re: Lol/24 Chase Customer cold app?

pinkandgrey — Sun, 12 May 2019 14:37:30 GMT

@Remedios wrote:
If your signature is accurate, you already poked the bear by opening 5 cards (including CSP) and adding AU account in May.
Your new Amex cards may not be reporting yet, and hopefully wont be while Chase is doing SPs.

I would seriously forget Chase exists for a while.

Definitely. Without offers, Chase will laugh your application right out of the computer.

Re: Lol/24 Chase Customer cold app?

MrDFinance — Sun, 12 May 2019 15:54:10 GMT

Looks like I’m keeping my head down lol

Re: Lol/24 Chase Customer cold app?

Hockeypnc1 — Sun, 12 May 2019 19:36:38 GMT

what is Lol/24 mean?

Re: Lol/24 Chase Customer cold app?

MrDFinance — Sun, 12 May 2019 19:39:22 GMT

Chase has a rule where if u opened 5 cards in the last 24 months they will deny you for any card you apply for unless your existing customer and they send u a offer

Lol/24 simply means your way over that 5/24 rule .....

Re: Lol/24 Chase Customer cold app?

Hockeypnc1 — Sun, 12 May 2019 19:43:57 GMT

Does that include store cards?

Re: Lol/24 Chase Customer cold app?

MrDFinance — Sun, 12 May 2019 19:46:39 GMT

I’ve heard it doesn’t

Re: Lol/24 Chase Customer cold app?

FinStar — Sun, 12 May 2019 20:39:57 GMT

@Hockeypnc1 wrote:
Does that include store cards?

In the majority of cases, it does so YEMV. Plenty of DPs on this.

Re: Lol/24 Chase Customer cold app?

Anonymous — Sun, 12 May 2019 20:47:29 GMT

@Hockeypnc1 wrote:
Does that include store cards?

Yes. Chase will deny your application if you open 5 or more revolving credit accounts in the preceding 24-month period. Store cards are usually revolving credit accounts. Even authorized user accounts are counted by their algorithm although you can ask for AU accounts to be excluded during a manual reconsideration.

Re: Lol/24 Chase Customer cold app?

woodyman100 — Mon, 13 May 2019 00:02:57 GMT

@Anonymous wrote:

Bahahahahahaha