Chase vs Amex

[driftless]

Greetings: I am going to be applying for one or two cards and I was wondering how Chase and Amex view things like AAofA, CL's with existing CC, etc. I am specifically looking at Amex Blue Cash Preferred, Blue Cash Everyday and Chase Freedom. I already have Cap One QS. Thanks for your insights and thoughts.

[driftless]

Post-Script: how sensitive is Chase to inquiries? And, where does Chase do HP's?

[satasat360]

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@driftless wrote:
Post-Script: how sensitive is Chase to inquiries? And, where does Chase do HP's?

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Chase HP is based on your location, google credit pull database and select chase and your state and you will get an idea. Also please read about chase 5/24 rule before applying for chase products. 

[JSS3]

You can't have opened more than 5 cards in 24 months for Chase. They will deny you. Chase gives higher limits with each card. Your first can be anywhere in the neighborhood of 500-2000. However, I have seen people with not that many cards and 1+ AAoA get a great starting limit. Might be rare or the fact that they see you're going to spend mainly with them.

Amex isn't particularly inq/account sensitive. Utilization matters more with them from what I can glean.

Overall, your profile will determine the results.

ETA: Try both of their prequals first. Look for one specific APR and not a range. Pretty solid prequals.

[lexandra90]

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@driftless wrote:
Post-Script: how sensitive is Chase to inquiries? And, where does Chase do HP's?

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im in NYC and they almost always pull Experian for me but check the credit pulls and 5/24 rule like the others said 

[JSS3]

Chase always double pulls EX and TU for me in PA and my bro in NY.

[EdMan63]

In SE Michigan. Chase in both cases for me pulls Ex and TU. Amex pulls Ex. 

[driftless]

Thanks for the replies.