topic Re: How long between chase approvals in Credit Cards

How long between chase approvals

Anonymous — Sun, 31 Mar 2013 01:16:06 GMT

I'm sure this has been asked ad nauseam, but how long between chase approvals can you safely apply for another card? I've been targeting the freedom for the past year. I just got the Disney in November and want to get rid of my amazon chase.

Re: How long between chase approvals

_jb_ — Sun, 31 Mar 2013 01:20:33 GMT

I applied for and was approved for the Chase Amazon and the CSP within about 2 weeks I think. I think as long as your profile looks pretty good, I wouldn't put too much stock into a certain period of waiting.

Re: How long between chase approvals

b_seeker — Sun, 31 Mar 2013 01:23:25 GMT

I got the Freedom and Amazon Rewards on the same day. I did the Rewards card first and they were able to recognize I was already approved for one of their cards so I wasn't like I flew under the radar.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 01:23:45 GMT

That makes sense. I just don't want to waste an inquiry and have to recon. I have 7 on TU which is who they pull here. But they're falling off ahead of schedule. Inquiries from November have already came off. Lol I think my credit reports glitching

Re: How long between chase approvals

scenery_guy — Sun, 31 Mar 2013 02:09:55 GMT

Go for it and if you have to recon (it's Chase recons are actually pleasant) offer to PC or give up the Amazon card. Or keep the Amazon card but transfer all but $500 to the new Freedom card.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 02:14:46 GMT

@scenery_guy wrote:
Go for it and if you have to recon (it's Chase recons are actually pleasant) offer to PC or give up the Amazon card. Or keep the Amazon card but transfer all but $500 to the new Freedom card.

can't PC from amazon card to others. I guess this is due to an arrangement Chase has with Amazon. I tried mine for over a year, but they just wouldn't allow it

or maybe, i'm just unlucky.

I got my CSP on monday, and applied for Freedom on Friday and got approved. about 5 days in between 2 Chase cards.

I don't think they really care how long between each approval as long as you are in good standing. Having prior relationship with them helps increases chances by a lot.

Re: How long between chase approvals

navigatethis12 — Sun, 31 Mar 2013 02:17:44 GMT

Usually if you apply for mutliple cards within 30 or sixty days the system will automatically decline you. All you have to do is ring them and ask someone to push it through. November is plenty of time for you to apply for another one and not get declined for too many applications with them.

Re: How long between chase approvals

HiLine — Sun, 31 Mar 2013 02:27:13 GMT

I think you're overthinking it. I have yet to hear of a denial due to insufficient amount of time elapsed from the last approved application.

Re: How long between chase approvals

L0RDAVENTAD0R — Sun, 31 Mar 2013 02:28:58 GMT

How good are your reports/score ? I applied for the CSP & then the Freedom at the same exact time.

I got approved instantly for the CSP then got the, "Decision Pending," for the Freedom. Recon'd immediately & got approved for it. They pulled EQ for me & mine was 750 FICO at the time.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 02:40:05 GMT

My scores are in my sig. And I have about 6 or 7 inquiries on TU that's who they pull. Have about a year relationship with chase and two cards. Idk my chances

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 02:44:22 GMT

Doesn't chase also use an internal score so my ficos don't even matter?

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 03:29:57 GMT

@Anonymous wrote:
My scores are in my sig. And I have about 6 or 7 inquiries on TU that's who they pull. Have about a year relationship with chase and two cards. Idk my chances

chase uses a variety of models.

they have their own internal scoring (which is like vantage model), and they also pull fico scores together with credit reports.

if you already have banking relationship with Chase in good standing, your chances are a lot higher.

Try the pre-approval tool on Chase credit card website and see if you are pre-approved for freedom.

Your chances of getting a freedom is very high. The only wild card with Chase is whether are they going to give you a real card or a toy limit card.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:04:38 GMT

I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:12:06 GMT

what is your AAoA and age of most recent account? What is your util ratio and number of inquiries on EX?l

Do you usually carry a balance on your Chase Amazon card?

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:19:00 GMT

Less than two years. 1 percent number on ex is around 10 or 11. And nah I pay both my chases in full. Most recent is the discover and Amex I just opened.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:21:32 GMT

has your amex and discover been reported to credit bureaus yet?

Re: How long between chase approvals

HiLine — Sun, 31 Mar 2013 04:21:50 GMT

@Anonymous wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.

Pre-approval is also overrated.

Re: How long between chase approvals

Open123 — Sun, 31 Mar 2013 04:25:15 GMT

@HiLine wrote:
@Anonymous wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit
Credit limit is overrated.

Pre-approval is also overrated.

Low rewards card are *way* overrated, in my view.

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:29:26 GMT

Curious Enharu, what are you thinking?

Re: How long between chase approvals

Anonymous — Sun, 31 Mar 2013 04:31:19 GMT

No they haven't. And I'm curious too lol