2/3 on the Chase Trifecta - Reconsideration Tips?

[Anonymous]

I have been eying the Chase Sapphire Reserve card and decided to jump in with an application because I will be doing a bit of traveling this summer. To get the most out of rewards categories, I planned to use the CSR for travel/dining, and also apply for a Chase Freedom to use on quarterly categories, and a Chase Freedom Unlimited for everything else.

I applied back-to-back for the CSR (instant approval, $34k SL) and the CF (instant approval, $15k SL). I stupidly waited a day to apply for the CFU and was instantly denied. I got the denial letter yesterday, which gave too many Chase applications as the reason for denial.   

I plan to call for reconsideration and would like any tips. Should I be upfront about my rewards strategy? Is it smart to offer shifting credit from one or both of the other Chase cards to the CFU?

$135k in income. Approximately 750 credit score. Other cards include Capital One Venture ($26k SL), Citi Double Cash ($13k SL) and Best Buy Card ($6k SL). 

Thanks!

[FinStar]

You can give it a shot, but it's unlikely Chase will bend or override the denial for CFU regardless of what strategy you convey to them.

Even if you would have done it all in one shot the last app (CFU) would've been declined based on what Chase provided on the letter.

[Anonymous]

Given the number of 2% cash back cards available I would question applying for a 1.5% card like the CFU.  Other that being able to say you have the "Chase trifecta" I can't really think of a reason to app for the CFU.

[Anonymous]

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@Anonymous wrote:

Given the number of 2% cash back cards available I would question applying for a 1.5% card like the CFU.  Other that being able to say you have the "Chase trifecta" I can't really think of a reason to app for the CFU.

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The points from both CF cards can be transferred to the CSR and get a 50% bonus on travel redeemed through the Chase Ultimate Rewards portal (so 2.25% for the CFU). The points can also be transferred to other rewards partners (Southwest, United) where they can be worth more than 2 cents each. Plus I like having all my points in one system so I can pool them towards bigger purchases.

[Anonymous]

No where did the OP ask if they should get a 2% over the CFU. Why people need to chime in irrelevant information I'll never understand.

Anyway, I don't think the call will help. Getting approved for 3 cards in a day or two seems impossible from the same bank. I'd wait a couple months and then apply again. Don't think you'll have any problems that way.

[Anonymous]

Speaking of irrelevant...my response to you wouldn't be FS&R so I'll just say this much.

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@Anonymous wrote:
No where did the OP ask if they should get a 2% over the CFU. Why people need to chime in irrelevant information I'll never understand.

Anyway, I don't think the call will help. Getting approved for 3 cards in a day or two seems impossible from the same bank. I'd wait a couple months and then apply again. Don't think you'll have any problems that way.

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[Anonymous]

I'm well aware of the intricacies of the UR program(s).  Good luck calling for a reconsideration on your FU application;  its difficult to get an override of Chase's 2/30 rule and you've already made 2 apps in 30 days.

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@Anonymous wrote:

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@Anonymous wrote:

Given the number of 2% cash back cards available I would question applying for a 1.5% card like the CFU.  Other that being able to say you have the "Chase trifecta" I can't really think of a reason to app for the CFU.

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The points from both CF cards can be transferred to the CSR and get a 50% bonus on travel redeemed through the Chase Ultimate Rewards portal (so 2.25% for the CFU). The points can also be transferred to other rewards partners (Southwest, United) where they can be worth more than 2 cents each. Plus I like having all my points in one system so I can pool them towards bigger purchases.

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