Amazon card?

[CYBERSAM]

I got Amazon on 02/25/2022 and CSP on 05/27/2022. In fact they offered the CSP to me on the site...

As long as you don't go on app spree you should be fine.

[JLRDC909]

Chase has declined every application I had in with them when I was right at 5/24. Not over, but at!  Now I'm under again I was approved for the Quest card from United. 

While there has been some people approved above or at 5/24, I think that Chase still stands by that rule (although some reps will deny it even exists). One agent told me she could see the cards at 5/24 and when I would go under that number BUT...she could do nothing to override that decision, nor could a supervisor. 

some people will always get through the cracks but I don't think it's Chases standard M.O.  a few years back they went on a new account shutdown spree with people falling under 5/24, applying for another Chase card, then other issuers right after Chase approved them. So, while it might be an unwritten rule, I still think Chase stands by it and I wouldn't do anything to jeopardize my relationship with them. 

[Crowhelm]

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@OmarGB9 wrote:

Yes its a bad idea because you admitted you'll be back at 5/24, and because Chase doesn't like you to open up accounts/go on sprees after theirs. They've been known to shut down recently approved accounts. 

I don't think the risk of losing your CSP is worth trying for an Amazon card. 

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Really? I got the Amazon Prime card last June and followed up by getting 5 more credit cards, not even counting becoming an authorized user on two of my wife's credit cards as well and it definitely didn't cause anything bad to happen with Chase, in fact, they gave me a 25% credit line increase instead. I think if he has a solid credit score he will be just fine.

[bRICrEAW]

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@Crowhelm wrote:

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@OmarGB9 wrote:

Yes its a bad idea because you admitted you'll be back at 5/24, and because Chase doesn't like you to open up accounts/go on sprees after theirs. They've been known to shut down recently approved accounts. 

I don't think the risk of losing your CSP is worth trying for an Amazon card. 

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Really? I got the Amazon Prime card last June and followed up by getting 5 more credit cards, not even counting becoming an authorized user on two of my wife's credit cards as well and it definitely didn't cause anything bad to happen with Chase, in fact, they gave me a 25% credit line increase instead. I think if he has a solid credit score he will be just fine.

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How long did you wait between the chase card and the other cards?

[Crowhelm]

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@bRICrEAW wrote:

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@Crowhelm wrote:

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@OmarGB9 wrote:

Yes its a bad idea because you admitted you'll be back at 5/24, and because Chase doesn't like you to open up accounts/go on sprees after theirs. They've been known to shut down recently approved accounts. 

I don't think the risk of losing your CSP is worth trying for an Amazon card. 

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Really? I got the Amazon Prime card last June and followed up by getting 5 more credit cards, not even counting becoming an authorized user on two of my wife's credit cards as well and it definitely didn't cause anything bad to happen with Chase, in fact, they gave me a 25% credit line increase instead. I think if he has a solid credit score he will be just fine.

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How long did you wait between the chase card and the other cards?

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Well, Amazon was June. FNBO Evergreen beginning of July but then I had a little gap. Citi Custom Cash followed in September, Affinity in December, AOD in January (even though we applied for it just before Christmas, they took their sweet time, but well worth it), and then Lowes just last month. So I guess as long as you have gaps like that it is ok? Are we talking 5 cards in a week? I guess that could really spook a bank. 

[coldfusion]

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@Crowhelm wrote:

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Are we talking 5 cards in a week? I guess that could really spook a bank. 

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Yes, it can. 

Chase does not like being a participant in app sprees, has a track record of making frequent AR soft pulls the first couple of months after a new card is approved (gradually tapering off), and has no qualms about closing new accounts if there was what they perceive as being excessive recent additional credit seeking behavior.  There have been multiple posts here before from members who discovered this for themselves.

Hence my suggestion above that if applying for the Amazon card it would be prudent to wait a few months before pursuing the Walmart card.

[Crowhelm]

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@coldfusion wrote:

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@Crowhelm wrote:

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Are we talking 5 cards in a week? I guess that could really spook a bank. 

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Yes, it can. 

Chase does not like being a participant in app sprees, has a track record of making frequent AR soft pulls the first couple of months after a new card is approved (gradually tapering off), and has no qualms about closing new accounts if there was what they perceive as being excessive recent additional credit seeking behavior.  There have been multiple posts here before from members who discovered this for themselves.

Hence my suggestion above that if applying for the Amazon card it would be prudent to wait a few months before pursuing the Walmart card.

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That makes perfect sense. Guess my definition of getting credit cards fast is way off compared to some here, lol