****UPDATE 5/29****
-Branch #1: Chase made me set an appointment yesterday to have a phone conversation about applying for a credit card. Per there rules the only banker in the office told me yesterday is it all begins with a phone call which is what it says in the automated confirmation email. It was for 1:00pm and I didn't get a phone call until 1:10. He gets on the phone and said he thought I was coming in at 1pm. That was not the process outlined and I said I would have come in person and really want to still do so. When he does then is redirect me to branch which I didn't think was open saying the other one has plenty of openings for today and tomorrow.
-Branch #2: I call the branch and can't get anyone online. I made an appointment and the way their appointment system works the day you submit for an appointment it won't let you schedule until the following day. I decide to put an apointment in for 9:30 AM tomorrow. I'm pretty annoyed and go brush my teeth and start thinking about it. Then I decided to see if I could find another branch.
-Branch #3: They told me I could just walk in when I called. I show up and they have social distancing tape all over the floor marking where you can stand or not. Just two relationship bankers in the office. One was in the lobby but they made me actually talk to the other one through teller glass. I asked about World of Hyatt and was told WoH is only online. She then proceeds to show me a screen with all the card offerings they'll do. It was 6 cards; CFU, CF, CS, Slate, CSP, CSR. I mentioned I had the CSP and was pointed to picking up a Slate or CSR too. I said you can only have one or the other CSP or CSR the response from the banker was "You could try and see if you could get both". Too smart to fall for it I walked away.
-Feeling dejected I drove home and stopped in at a minimart to by some water. A guy follows me in saying someone just pulled a gun on him in the parking lot. Weird situation but I bought my water and started thinking about the card again. Then I realized if I could hurry home and apply on line I'd still have time to make it over to Citibank if I get rejected and get that one over with today. I put the application in and it hangs up on me. Finally it goes through and to my bewilderment I was instantly approved for WoH with a starting limit of 20,900!
After all this sweating it I was able to pull off a cold app at 5/24. But was I really 5/24? Counting all trade lines in the old TU VS I was 5/24 back in January when I cold apped for the Chase Freedom. They didn't count a line of credit I had opened in May of 2018 is what I figured and under the old TU Vantage Score it was listed in a different credit category as a CLOC, not under revolving credit. With EX Vantage Score that LOC isn't listed at all however a CLOC which I've had for 3 years is in the same general category as the revolvers and store cards which made me extra nervous going into this one.
Here is what I was working with on Chase Credit Journey
REVOLVING CHARGE ACCOUNT: TD Samsung Store Card (8/8/18)
CREDIT CARD REVOLVING TERMS: Discover IT (5/16/19)
CREDIT CARD REVOLIVING TERMS: Chase Freedom Unlimited (6/07/19)
CREDIT CARD: Chase Sapphire Preferred (11/15/20)
CREDIT CARD: Chase Freedom (1/18/20)
They must of then not be counting my store card either in the 5/24 calculation. It has the exact same designation as my Macy's account. There is no physical card involved with Samsung so no Visa/MC/AMEX ect.
The growth of my Chase TCL since November 1st:
7,400
13,400
38,000
53,000
73,900
It still doesn't top the 77,000 CL of my NFCU Flagship but its a pretty big TCL in my opinion.
Official travel point totals as of 12/26/23 (1,382,693 Total Points)
Chase Ultimate Rewards 661,525 | IHG One Rewards 144,443 | Hilton Honors 143,801 | AMEX Membership Rewards 102,729 | World of Hyatt 90,413 | Marriott Bonvoy 65,343 | Citi Thank You 62,712 | Wells Fargo Rewards 33,652 | Southwest Rapid Rewards 28,105 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,661 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 792 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 6,992 ($69.92) | Amazon Rewards 475 ($4.75) | Discover CB 499 ($4.99)
