Chase IHG app

[bigbang91]

So i recently aware of the 80k bonus for Chase IHG,and so i want to get the card before the promo end. Problem is because of recent car loan,i have multiple INQs on both TU+EQ within the 6 months. Also,this would be my 5th chase's card,and 2nd within 2 months. Will that increase my chance of being denied?

Background info: EX FICO 703,EQ 650,TU 720 

inqs within 6 months TU 8(5 from same day),EX 3,EQ 9(5 from same day)

Uti 16% major on 4/14 account. AAoA 1.8 yrs oldest account 4yrs old in EQ+EX,8 yrs old in TU

and this i think the most important factor,i just got Chase BA a month ago, and also Barclay US airway+aMEX DELTA<=It's occur to me that i have lot of Airline's card while lacking hotel's one. Amex+BA hasn't reported yet,Barclay already did after account opening 3 days.

I'm not apping now but soon,right after i request my Amex 3x. Any thoughts?

[chalupaman]

I don't think recon would be out of the question in your case if you did decide to go for the card now. 

[Anonymous]

I had 19 INQ's and a fresh Freedom when i app'ed for both SW cards. I say go for it. 

[Anonymous]

Inquiries won't be your issue but possibility your Chase exposure could be.  Apply and you can always recon/ move CLs around if denied.

[bigbang91]

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@Anonymous wrote:

Inquiries won't be your issue but possibility your Chase exposure could be.  Apply and you can always recon/ move CLs around if denied.

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So chase will always allow allocation of credit to open new card?  Im not using my united card much and considering to mov cli away from it

[Anonymous]

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@bigbang91 wrote:

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@Anonymous wrote:

Inquiries won't be your issue but possibility your Chase exposure could be.  Apply and you can always recon/ move CLs around if denied.

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So chase will always allow allocation of credit to open new card?  Im not using my united card much and considering to mov cli away from it

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Yup, they have in the past quite often.  I'd only bring that up as a last resort though during recon.  Sometimes though they'll bring it up

[Anonymous]

I just appd chase IHG and got approved. EX (620)  is the lowest of my 3 reports and Chase always pull socre from my EX  (manybe because of my location... I reside in NY) I have 4 hard inquiries within 6 months. I have approved for Freedom like 6 months ago and been using the card responsibly. I think IHG is not hard to get compared to CSP or even Marriott. 

[onstar]

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@Anonymous wrote:

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@bigbang91 wrote:

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@Anonymous wrote:

Inquiries won't be your issue but possibility your Chase exposure could be.  Apply and you can always recon/ move CLs around if denied.

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So chase will always allow allocation of credit to open new card?  Im not using my united card much and considering to mov cli away from it

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Yup, they have in the past quite often.  I'd only bring that up as a last resort though during recon.  Sometimes though they'll bring it up

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Interesting.

My Chase Marriott app is currently pending, and they won't give me any more info over the phone.

Maybe I should call them back next week and suggest that I move CL over from my Slate.

And I really want the IHG card too, but not until next year since I'm in garden mode (started gardening right after Marriott app was submitted).

[baller4life]

I'm an IHG member. Hmmmm nice bonus!! I'm trying to be good for my future Sallie Mae app though.

[Anonymous]

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@onstar wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

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@Anonymous wrote:

Inquiries won't be your issue but possibility your Chase exposure could be.  Apply and you can always recon/ move CLs around if denied.

---

So chase will always allow allocation of credit to open new card?  Im not using my united card much and considering to mov cli away from it

---

Yup, they have in the past quite often.  I'd only bring that up as a last resort though during recon.  Sometimes though they'll bring it up

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Interesting.

My Chase Marriott app is currently pending, and they won't give me any more info over the phone.

Maybe I should call them back next week and suggest that I move CL over from my Slate.

And I really want the IHG card too, but not until next year since I'm in garden mode (started gardening right after Marriott app was submitted).

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What do you mean that they won't give you any more info?  What number did you call?