Called chase 3 times today. Got different underwriters.
None of them would confirm the 5/24 rule. 2 of them openly stated that they haven’t ever heard of that rule. Kinda confusing and not clear about it. Going to try once more later and ask. They just kept telling me to apply.
Asked if I was denied for 5/24 if there was anything they could do on their end. One said they might be able to. Depends on the application. This was right after she said she had never heard of the new accounts restriction.
Going to step into a branch on Monday and inquire about pre-approvals. Will ask for the branch manager.
None of them would confirm the 5/24 rule. 2 of them openly stated that they haven’t ever heard of that rule. Kinda confusing and not clear about it. Going to try once more later and ask. They just kept telling me to apply.
Asked if I was denied for 5/24 if there was anything they could do on their end. One said they might be able to. Depends on the application. This was right after she said she had never heard of the new accounts restriction.
Going to step into a branch on Monday and inquire about pre-approvals. Will ask for the branch manager.
@Shadowfactor wrote:
Called chase 3 times today. Got different underwriters.
None of them would confirm the 5/24 rule. 2 of them openly stated that they haven’t ever heard of that rule. Kinda confusing and not clear about it. Going to try once more later and ask. They just kept telling me to apply.
Asked if I was denied for 5/24 if there was anything they could do on their end. One said they might be able to. Depends on the application. This was right after she said she had never heard of the new accounts restriction.
Going to step into a branch on Monday and inquire about pre-approvals. Will ask for the branch manager.
Calling them gets you nowhere.
You need to step into a branch and see if there are any preapprovals. If so that will bypass 5/24. You don't need the branch manager.
Okay. Thanks.
I’m probably going to let me fiancé apply for the card instead of me. I just got 2 collections removed so my scores have improved but I don’t think my chances are that great.
She has the same Prequalified Offers that I do.
Her scores are about 760-780 FICO 8 across the board.
She’s directly at 5/24 though. She’s opened 4 new accounts in the past 2 years. And the 5th one she got added to my Amex as an authorized user last month and it started reporting. Newest account she owns is 2 months old.
Store accounts and car loans don’t count towards 5/24 right ?
Would they approve her at 5/24 with one being an AU if she called recon ?
We both are going to go into chase on Monday and see about in branch offers.
I’m probably going to let me fiancé apply for the card instead of me. I just got 2 collections removed so my scores have improved but I don’t think my chances are that great.
She has the same Prequalified Offers that I do.
Her scores are about 760-780 FICO 8 across the board.
She’s directly at 5/24 though. She’s opened 4 new accounts in the past 2 years. And the 5th one she got added to my Amex as an authorized user last month and it started reporting. Newest account she owns is 2 months old.
Store accounts and car loans don’t count towards 5/24 right ?
Would they approve her at 5/24 with one being an AU if she called recon ?
We both are going to go into chase on Monday and see about in branch offers.
I added her to my PRG card to hit a spending bonus. Since I was out of the country for a month and Amex coverage was horrible there. I didn’t want to miss out on the spending bonus since I took my card with me. Plus For groceries and restaurants Amex PRG gives the best rewards and her card lineup lacks in those areas.
I clearly know that it will be a hardpull. Not sure where you got that from ? She’s much more cautious about inquires. That’s why I’m posting here first before she goes applying.
With getting the collections removed my scores are sitting around 680 right now.
Do store cards count ? she has one store card she opened in the last 24 months. She financed her bed with 0 Apr.
If they do. She’s at 5/24 herself plus the AU account.
I clearly know that it will be a hardpull. Not sure where you got that from ? She’s much more cautious about inquires. That’s why I’m posting here first before she goes applying.
With getting the collections removed my scores are sitting around 680 right now.
Do store cards count ? she has one store card she opened in the last 24 months. She financed her bed with 0 Apr.
If they do. She’s at 5/24 herself plus the AU account.
I probably wasn’t going to apply at this point. I’m going to wait until I get done with the CFPB complaint I have in against PRA for reporting as a factoring and installment loan and see where that goes since it’s my last collection account. If I can get it removed. I should be in the mid-low 700’s.
Probably going to have her apply if I can get some feedback on the store account thing. And be added as an AU to the CSP/CSR.
I travel for work to the Caribbean, not Europe. It’s mainly flights and dining expenses I get reimbursed. Never hotels since my company has contracts with many hotels and they arrange that for me on their end.
Probably going to have her apply if I can get some feedback on the store account thing. And be added as an AU to the CSP/CSR.
I travel for work to the Caribbean, not Europe. It’s mainly flights and dining expenses I get reimbursed. Never hotels since my company has contracts with many hotels and they arrange that for me on their end.
Do you have an email for them ? If so can you PM it. I’ve tried searching google and haven’t found anything. Tried PM’ing a couple members that posted about it but no one has responded.
She has been looking for a travel card anyway since she doesn’t have any Travel cards besides the US bank TR that we hold jointly.
She has been looking for a travel card anyway since she doesn’t have any Travel cards besides the US bank TR that we hold jointly.
