topic Re: Chase Cards in Credit Cards

Chase Cards

Anonymous — Fri, 19 Jun 2015 02:15:37 GMT

I'm not quite "up to speed" on protocols/time frames for apping their cards/cobranded cards, especially since their reported changes.

I've had a Slate card for 4 months, approved for UMPExplorer 2 weeks ago & AARP last week.

I could use a good hotel card for a trip in August and would appreciate some guidance and suggestions

Re: Chase Cards

heyarrnold — Fri, 19 Jun 2015 02:18:38 GMT

The new rules should, to my knowledge, only apply to Slate, CSP, Freedom, and their business CCs. All other cobranded cards should not fall under the new policy.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 02:38:02 GMT

@heyarrnold wrote:
The new rules should, to my knowledge, only apply to Slate, CSP, Freedom, and their business CCs. All other cobranded cards should not fall under the new policy.

wow, then it doesn't seem like a big deal. you have to be some sort of credit addict (which many people on this site seem to be) to get restricted by having more than 5 non-cobranded cars in the last 2 years.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 02:46:48 GMT

@Anonymous wrote:
@heyarrnold wrote:
The new rules should, to my knowledge, only apply to Slate, CSP, Freedom, and their business CCs. All other cobranded cards should not fall under the new policy.
wow, then it doesn't seem like a big deal. you have to be some sort of credit addict (which many people on this site seem to be) to get restricted by having more than 5 non-cobranded cars in the last 2 years.

It isn't that the 5 cards are non-cobranded cards.

It is that the 5 cards in 2 years policy doesn't apply to the cobranded Chase cards.

If you had 5 cobranded cards (or non-cobranded) and applied for the freedom- denied.

If you had 5 cobranded cards (or non-cobranded) and applied for the Amazon- possibly approved.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 02:52:09 GMT

Go For IHG - All my research suggests this is the best approval odds and highest limit....

Re: Chase Cards

heyarrnold — Fri, 19 Jun 2015 02:58:39 GMT

@Anonymous wrote:
@heyarrnold wrote:
The new rules should, to my knowledge, only apply to Slate, CSP, Freedom, and their business CCs. All other cobranded cards should not fall under the new policy.
wow, then it doesn't seem like a big deal. you have to be some sort of credit addict (which many people on this site seem to be) to get restricted by having more than 5 non-cobranded cars in the last 2 years.

As it was stated, the big deal is that if you opened 5 accounts within a 2 year period, whether those accounts were with Chase or not, and then applied to a non cobranded card with Chase, you'll be denied regardless of income, score, etc.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 03:00:00 GMT

I've opened all but two of the cards in my siggy in the last two years and was denied for every card by chase, including business cards, and including United, until this IHG approval.

I'm telling you, if you're going to try, my personal opinion is to go for IHG...

Re: Chase Cards

Sharingan — Fri, 19 Jun 2015 03:03:40 GMT

@Anonymous wrote:
I'm not quite "up to speed" on protocols/time frames for apping their cards/cobranded cards, especially since their reported changes.
I've had a Slate card for 4 months, approved for UMPExplorer 2 weeks ago & AARP last week.
I could use a good hotel card for a trip in August and would appreciate some guidance and suggestions

I agree. I'd look into the IHG card and see if it's a good fit. I was recently approved for it, and I can say that I surely wasn't subjected to any reported policy changes. No way in hell would Chase have approved my application if the new accounts rule applied in my case with the IHG card.

I got all 3 of my non-cobranded Chase cards well before any underwriting changes occurred, so I can't provide any up-to-date feedback on those.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 03:05:04 GMT

I got my IHG with a $12k limit within the past 2 weeks.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 12:13:07 GMT

OK, Thanks.

The IHG might be a good fit but, doesn't Chase have a policy of 2 apps, not to mention approvals, within 30 days? I was instantly denied Mariott back in Jan/Feb.

I might be better served using Venture/V1 for hotels

Re: Chase Cards

msbia — Fri, 19 Jun 2015 12:38:38 GMT

@Anonymous wrote:
OK, Thanks.

The IHG might be a good fit but, doesn't Chase have a policy of 2 apps, not to mention approvals, within 30 days? I was instantly denied Mariott back in Jan/Feb.
I might be better served using Venture/V1 for hotels

Yes. And IMO IHG and Marriott are both good. I would look for the one with the best sign up bonus.

Re: Chase Cards

Sharingan — Fri, 19 Jun 2015 13:36:58 GMT

@Anonymous wrote:
OK, Thanks.

The IHG might be a good fit but, doesn't Chase have a policy of 2 apps, not to mention approvals, within 30 days? I was instantly denied Mariott back in Jan/Feb.
I might be better served using Venture/V1 for hotels

I am not sure what Chase's stance is on applications for their cards within a particular timeframe. IHG is my third Chase card in 2 months, so I can provide that datapoint at least. I would only make such attempts with pristine scores and reports (no bads) for best results/not having to recon.

As for using the Venture series for this purpose, I'll let others with the cards chime in. I'm not a fan of the Venture cards at all.

Re: Chase Cards

Anonymous — Fri, 19 Jun 2015 14:47:04 GMT

I was approved for the CSP and Freedom on 5/19. Then was approved for the United Explorer on 6/6/15. I was originaly told I was denined for more than 2 Chase aprovals in 30 days.. but the card just showed up yestereday.

So I dont know if it was an overlook on Chase part, but I was able to get 3 cards within the 30 days.

Re: Chase Cards

kdm31091 — Fri, 19 Jun 2015 14:50:12 GMT

@Anonymous wrote:
I was approved for the CSP and Freedom on 5/19. Then was approved for the United Explorer on 6/6/15. I was originaly told I was denined for more than 2 Chase aprovals in 30 days.. but the card just showed up yestereday.

So I dont know if it was an overlook on Chase part, but I was able to get 3 cards within the 30 days.

Everything with credit is individual. All we can really go by is anecdotal evidence here; none of us work for Chase.

That said, I'm sure the United Explorer being cobranded probably made the difference. Sometimes, cobrands and non-cobrands don't "count" the same way with regards to limits on approvals, etc.