topic Time between Chase apps in Credit Cards

Time between Chase apps

Anonymous — Fri, 28 Mar 2014 01:47:20 GMT

I know this subject has been beat to death but I was curious of other's experience after I got a United MileagePlus Explorer mail in offer today offering 50k points after 2k spend which is better than their website offer. I don't plan on applying for this card but I do want the Hyatt in a few months. I just got the CSP card last month and was a little shocked that I got this mail offer as this was the first ever offer I have received from Chase. Is it typical for Chase to send out offers like this right after you receive one of their others cards? Everyone seems to say wait around 6 months before apping for another. My brother is getting married in Italy inSeptember and I thought about trying to get the Chase Hyatt and combining the two free nights and some UM points to stay in Milan and Greece for about a week before I head down to his wedding. If they are sending me these offers this soon do you think I will be good to app in May or June for the Hyatt card?

Re: Time between Chase apps

gdale6 — Fri, 28 Mar 2014 01:54:52 GMT

Receipt of the offer has nothing to do with your approval last month, offers are set months in advance of the actual mailing. 6 months is prob a good amount of time between apps.

Re: Time between Chase apps

Longroad — Fri, 28 Mar 2014 02:11:47 GMT

@Anonymous wrote:
I know this subject has been beat to death but I was curious of other's experience after I got a United MileagePlus Explorer mail in offer today offering 50k points after 2k spend which is better than their website offer. I don't plan on applying for this card but I do want the Hyatt in a few months. I just got the CSP card last month and was a little shocked that I got this mail offer as this was the first ever offer I have received from Chase. Is it typical for Chase to send out offers like this right after you receive one of their others cards? Everyone seems to say wait around 6 months before apping for another. My brother is getting married in Italy inSeptember and I thought about trying to get the Chase Hyatt and combining the two free nights and some UM points to stay in Milan and Greece for about a week before I head down to his wedding. If they are sending me these offers this soon do you think I will be good to app in May or June for the Hyatt card?

All I can speak of is my experience. I apped and received auto approval on SWA in November '13 and the apped and was approved on recon for Marriott Rewards in Feb '14. On recon the length of time that it had been between apps was not asked. That's my Chase experience

Re: Time between Chase apps

yudeology101 — Fri, 28 Mar 2014 02:17:31 GMT

I definitely think it depends on your profile. And also believe that if you bank w/ Chase it would be great bonus as well. I'm never pre-qualified for anything besides FP on all pre-qual sites, at Chase pre-qual site they still don't have ANY offers for me....Well i took the plunge and went for CSP in October and was approved, yanked the chain again for Hyatt in November, and Pull the trigger again for Ritz in December...exactly one month apart between apps. I'm not apping for any more Chase cards, as I will treat my 3 cards with them for a loooonng time.

Re: Time between Chase apps

MissCredit9 — Fri, 28 Mar 2014 02:27:09 GMT

I got CSP in November '13 (it was my first CC with chase) I got the Marriott Premier almost exactly 2 weeks later. I got the exact same limit of 5k on both cards. So no, it is not necessary to wait 6 months between apps, however I think if had I waited a bit I would have likely gotten a higher initial limit on the Marriott card.

Sidenote: My CSP got an auto increase @ the 4th statement cut from 5k to 6k, waiting patiently to see if the Marriott Premier will follow suit.

Re: Time between Chase apps

Anonymous — Fri, 28 Mar 2014 02:41:14 GMT

A friend of mine applied for and was approved for a CSP in september. Two months later he applied for a Chase marriot credit card, and was denied by chase because he had reached the amount of credit that they were willing to give him ($7000). The CS told him to try again in 4 months.

That same week he went to a chase branch and opened a chase checking, and waited for 4 months, applied for the chase marriot, and was approved for 15k

All of his credit scores were in the high 700, with an AOA of 3 years when he first applied for the chase marriot credit card.

Re: Time between Chase apps

Anonymous — Fri, 28 Mar 2014 03:05:55 GMT

I wish I could open a Chase checking and savings account but since I live in Alabama there are no branches here. I hope to relocate soon for a new job and start one then. A little about my credit, all scores around 700 to 715, utilization 5-9%, 2 HP on Eq. & Exp. 0 on Trans., two new cards on the past year (CSP and BCE), and I have had my Freedom for over a year. No late payments, AAoA 4 years, and oldest account 6 years. If I apply for the Hyatt the earliest it would be is after the 4th statement in June. I would need time to get the two free nights and book the rooms before I head oversees so waiting 6 months couldn't happen.

Re: Time between Chase apps

Longroad — Fri, 28 Mar 2014 03:20:37 GMT

@Anonymous wrote:
I wish I could open a Chase checking and savings account but since I live in Alabama there are no branches here. I hope to relocate soon for a new job and start one then. A little about my credit, all scores around 700 to 715, utilization 5-9%, 2 HP on Eq. & Exp. 0 on Trans., two new cards on the past year (CSP and BCE), and I have had my Freedom for over a year. No late payments, AAoA 4 years, and oldest account 6 years. If I apply for the Hyatt the earliest it would be is after the 4th statement in June. I would need time to get the two free nights and book the rooms before I head oversees so waiting 6 months couldn't happen.

Not sure about the Hyatt card but when I received my Marriott card the free night certificate appeared in my Marriott Rewards account before the card even arrived So I would think your 4 mos time frame would be good. Other than that your profile looks a little better than mine so I would say you would be good. But I don't parented to understand how lenders think sometimes. Good luck on whatever you decide

Re: Time between Chase apps

Anonymous — Fri, 28 Mar 2014 03:25:10 GMT

The invitation number that I got for the Mileageplus Explorer, would my friend be able to use it instead of me to get the better bonus or is it tied to my name only?

Re: Time between Chase apps

09Lexie — Fri, 28 Mar 2014 03:40:13 GMT

@Anonymous wrote:
The invitation number that I got for the Mileageplus Explorer, would my friend be able to use it instead of me to get the better bonus or is it tied to my name only?

Issued to you

Re: Time between Chase apps

grinlikechelsea — Fri, 28 Mar 2014 03:43:09 GMT

Typically I've seen people wait 4-6 months between apps to be safe. I was told the last time I called Chase opening CC accounts in quick succession (and especially closing after attaining the bonus...don't do that) is a red flag.

Re: Time between Chase apps

amdm2013 — Fri, 28 Mar 2014 03:57:39 GMT

I can say that I was successful in getting approved for Freedom and Slate in two days following the pre-approved mailers I received. Even though I never qualified for them in their pre-qualifiy link.

Re: Time between Chase apps

newUser0 — Fri, 28 Mar 2014 05:54:13 GMT

Chase was pretty generous with me. I applied 3 cards within 1 month. Freedom was my start, after a month Applied for United and CSP. All approved

Re: Time between Chase apps

noobody — Fri, 28 Mar 2014 11:33:50 GMT

During chase promotion last November, my friend applied and approved for CSP and freedom back to back within 15 minutes, got exactly same 10.x K CL, and total 75K UR points. I do not know how many HP she got hit through. Might be 1?

Re: Time between Chase apps

takeshi74 — Fri, 28 Mar 2014 12:47:27 GMT

@Anonymous wrote:
I know this subject has been beat to death

It's subjective. There's no fixed timeframe that works for everyone. I apped and was instantly approved for 2 Chase cards within a day of each other. 3rd was opened about 4 months later. 4th was opened 3 months later. YMMV with your credit. It's not just about time itself. 6 months is just stated as a generic rule of thumb.

@Anonymous wrote:
Is it typical for Chase to send out offers like this right after you receive one of their others cards?

Not uncommon but there's no causal relationship. Offers are always just marketing.

@Anonymous wrote:
If they are sending me these offers this soon do you think I will be good to app in May or June for the Hyatt card?

No telling. Again, offers are just marketing. While they can be a better indicator than getting no offers an offer or even a preapproval doesn't guarantee an approval.

Re: Time between Chase apps

bfranklin825 — Fri, 28 Mar 2014 12:39:10 GMT

My experience with Chase has been this:

I have had the Slate card for around 5 years, opened with a $400 CL and that's where it stayed until this past year - never used it. This year I started to get into points chasing as decided to open a bunch of new cards for the bonuses (can do this now because my credit is good - finally). I started with the Amazon card - applied through Amazon to get the $50 gift card offer, and was approved with a 5k limit. I then went after the Marriot Rewards Premier, my preffered brand, and was approved for 15k. This was less than a month (I think) after I got the Amazon - might have been right after I got approved for the Amazon.

Then I kinda of stopped with Chase. I had received a number of other cards from AMEX and other companies and was starting to get denials, including one from Chase - so I figured my app spree was over. This was around Nov/Dec. Just a few weeks ago I applied for a Ink Bold (I have been jealous of the 5X points category) and got the "We'll get back to you" message. I thought it was a sure-fire denial, but to my surprise the card arrived in the mail just last week. I was shocked to get it, to say the least.

So thinking the Bold was a shot in the dark that only worked because of a miracle, I didn't make any plans on getting any more cards in the near future - my credit report needs the rest... but then those sneaky bastards at IHG rewards sent me an email with a 60k point bonus Chase IHG Rewards Club Select card offer! I'm a sucker for an invite with an invitation code, so I went ahead and applied. I figured that there was absolutely NO WAY I'd get approved - I just got the Bold in the mail a few days previously. But for some reason, I don't know why, but they approved me for 8k!

So now I have 5 Chase cards, 4 of them in the past 5 months. Went from a $400 CL with them to $28,800 over 4 cards (Bold has NPSL).

My bonuses for these cards:

70k Marriot Points - best offer!

60k IHG points

50k Ultimate Rewards

$50 Amazon gift card - worst offer!

Re: Time between Chase apps

clocktick — Fri, 28 Mar 2014 15:24:43 GMT

I applied for the United card and the CSP 2 days later - approved for both (after recon)

Edited to add: I do not bank with Chase

Re: Time between Chase apps

bfranklin825 — Fri, 28 Mar 2014 15:29:34 GMT

Does anyone knowi if your relationship with Chase - your current card's credit limits and usage - has any weight with getting a new card, or is it just straight credit score that determines that?

Re: Time between Chase apps

Longroad — Fri, 28 Mar 2014 21:22:42 GMT

@bfranklin825 wrote:
Does anyone knowi if your relationship with Chase - your current card's credit limits and usage - has any weight with getting a new card, or is it just straight credit score that determines that?

Definitely your current cards usage. I had to recon my Marriott card and the lady mentioned my usage and performance on my SWA card as a positive for,the approval. And I have no other relationship with Chase besides the 2 cards

Re: Time between Chase apps

bfranklin825 — Fri, 28 Mar 2014 21:59:29 GMT

Its really odd though, cause I tried for an SWA card and got denied - after having gotten the Marriot and Amazon not that long before - and they turned me down (too many apps to close together). This was about maybe (over?) a month ago. I just apped for the IHG two days ago and was approved - I'm not sure I get their logic.