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What card to app for

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red259
Super Contributor

What card to app for

About a month ago I went for Ink plus preferred. Was denied just because of business verification and it was going to cost me too much money to do a dba just to make chase happy so I waited 30 days and was going to reapply using the exact business information on my other ink card so I don't hit the verification issue again. However, I see the personal IHG card has an all time high bonus which ends on 10/9. Wondering if I should go for the IHG card and put ink on back burner. Mainly interested in the IHG card for signup and free annual night since I don't really stay at their properties very often. Not sure its worth going for ahead of the ink.  

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 13
12 REPLIES 12
Meanmchine
Super Contributor

Re: What card to app for


@red259 wrote:

About a month ago I went for Ink plus preferred. Was denied just because of business verification and it was going to cost me too much money to do a dba just to make chase happy so I waited 30 days and was going to reapply using the exact business information on my other ink card so I don't hit the verification issue again. However, I see the personal IHG card has an all time high bonus which ends on 10/9. Wondering if I should go for the IHG card and put ink on back burner. Mainly interested in the IHG card for signup and free annual night since I don't really stay at their properties very often. Not sure its worth going for ahead of the ink.  


If it were me, Id nail down the expiring offer first

 

Side note.  This is the first time Ive seen someone with a 600, 700, and 800 score at the same time

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2025 All 3 reports 845 - 850(F8) F9s = all 850 but my app finger is still twitching
Message 2 of 13
simplynoir
Mega Contributor

Re: What card to app for

The good news is the bonus on the CIP won't go anywhere if you can afford to be patient for another month or so if you go for the IHG and it doesn't affect your 5/24 status. Having said that I would app for the CIP the bonus is too good to waste and the IHG can be your fallback plan if CIP app doesn't pan out and need to pull the trigger quickly

Message 3 of 13
red259
Super Contributor

Re: What card to app for


@Meanmchine wrote:

@red259 wrote:

About a month ago I went for Ink plus preferred. Was denied just because of business verification and it was going to cost me too much money to do a dba just to make chase happy so I waited 30 days and was going to reapply using the exact business information on my other ink card so I don't hit the verification issue again. However, I see the personal IHG card has an all time high bonus which ends on 10/9. Wondering if I should go for the IHG card and put ink on back burner. Mainly interested in the IHG card for signup and free annual night since I don't really stay at their properties very often. Not sure its worth going for ahead of the ink.  


If it were me, Id nail down the expiring offer first

 

Side note.  This is the first time Ive seen someone with a 600, 700, and 800 score at the same time


Next to each score is the date that score was from. So obviously not at the same time. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 4 of 13
red259
Super Contributor

Re: What card to app for


@simplynoir wrote:

The good news is the bonus on the CIP won't go anywhere if you can afford to be patient for another month or so if you go for the IHG and it doesn't affect your 5/24 status. Having said that I would app for the CIP the bonus is too good to waste and the IHG can be your fallback plan if CIP app doesn't pan out and need to pull the trigger quickly


Yea I kinda feel this is the way I am going to go. The CIP is most important to me. I notice IHG doesn't give upgrades on award stays so the status doesn't do much for me unless I have paid stays with them and I prolly rather pay to stay at hyatt or hilton. Then again I was looking at the hyatt card and the current offer just doesn't do it for me. Their older offers were much better. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 5 of 13
red259
Super Contributor

Re: What card to app for

Pulled the trigger on the CIP and the status line is giving me the two week message. I'm not sure I should risk the IHG app so close to the CIP. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 13
red259
Super Contributor

Chase email re: card app

Apped for a card and I got an email just indicating Chase received the app (the email they send immediately), but it gives no time estimate on when they will have an answer. I called the app number and it says two weeks. I thought Chase usually sends a follow-up email giving a time estimate. Is that not always the case?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 7 of 13
kdm31091
Super Contributor

Re: Chase email re: card app

IIRC Chase emails are pretty generic and just state that they recieved the application. Calling the status line is going to give you more detail. The email is just a confirmation of reciept.

Message 8 of 13
Meanmchine
Super Contributor

Re: Chase email re: card app

You can direct your appreciation to Simplynoir for posting this the other day

 

https://imgur.com/a/oXlPW

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2025 All 3 reports 845 - 850(F8) F9s = all 850 but my app finger is still twitching
Message 9 of 13
CreditInspired
Super Contributor

Re: Chase email re: card app


@Meanmchine wrote:

You can direct your appreciation to Simplynoir for posting this the other day

 

https://imgur.com/a/oXlPW


Thanks for sharing. 


Very Nice @simplynoir 


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