It was not an instant approval. Upon submission, I was given the 7-10 business days notice. I called the automated status line about a half hour later and it was showing approved for the minimum $10,000, which I'm happy with since it's my first five-digit SL. The account is also showing in my Chase login too.
I haven't received any notifications on which bureau was pulled, but Chase has pulled just EX for me in the past. EX 8 is 708 and 14% UTI, with several lates from 2012. This now will be my primary driver, as I will be traveling more due to my future In-laws being located on the other side of the states. This pretty much ends my credit card apping for essentially ever unless I decide to try for the CSR for the more flexible travel credit, but that won't be for at least two or three years. I am way over 5/24, which is why I went for this instead of the CSR. I haven't had any pre-approvals in branch, and i have a trip that I will be planning within the next month, so I pulled the trigger on this one. I do have the Southwest card ($3000) and a checking account with Chase.
Thanks for everyone being awesome and so helpful in this community. It has been your advice that has helped me get to where I am. I seriously would have never pictured myself with a premium card like this when I started my rebuild.
I haven't received any notifications on which bureau was pulled, but Chase has pulled just EX for me in the past. EX 8 is 708 and 14% UTI, with several lates from 2012. This now will be my primary driver, as I will be traveling more due to my future In-laws being located on the other side of the states. This pretty much ends my credit card apping for essentially ever unless I decide to try for the CSR for the more flexible travel credit, but that won't be for at least two or three years. I am way over 5/24, which is why I went for this instead of the CSR. I haven't had any pre-approvals in branch, and i have a trip that I will be planning within the next month, so I pulled the trigger on this one. I do have the Southwest card ($3000) and a checking account with Chase.
Thanks for everyone being awesome and so helpful in this community. It has been your advice that has helped me get to where I am. I seriously would have never pictured myself with a premium card like this when I started my rebuild.
Thanks jtb2016! I will try and be patient. Despite knowing it won't be here for a bit, i still get exited checking the mail.
And thank you, CreditMagic7! I was a bit pessimistic after I saw the 7-10 day at first. It sure was a nice surprise to hear the automated lady say I was approved. I had to replay it to make sure.
And thank you, CreditMagic7! I was a bit pessimistic after I saw the 7-10 day at first. It sure was a nice surprise to hear the automated lady say I was approved. I had to replay it to make sure.
@Anonymous wrote:
It was not an instant approval. Upon submission, I was given the 7-10 business days notice. I called the automated status line about a half hour later and it was showing approved for the minimum $10,000, which I'm happy with since it's my first five-digit SL. The account is also showing in my Chase login too.
I haven't received any notifications on which bureau was pulled, but Chase has pulled just EX for me in the past. EX 8 is 708 and 14% UTI, with several lates from 2012. This now will be my primary driver, as I will be traveling more due to my future In-laws being located on the other side of the states. This pretty much ends my credit card apping for essentially ever unless I decide to try for the CSR for the more flexible travel credit, but that won't be for at least two or three years. I am way over 5/24, which is why I went for this instead of the CSR. I haven't had any pre-approvals in branch, and i have a trip that I will be planning within the next month, so I pulled the trigger on this one. I do have the Southwest card ($3000) and a checking account with Chase.
Thanks for everyone being awesome and so helpful in this community. It has been your advice that has helped me get to where I am. I seriously would have never pictured myself with a premium card like this when I started my rebuild.
Congrats!
What is the advantage of the Ritz over CSR other than the bonus nightgs? If you do not mind my asking? After the 1st year, you need to spend $$$ to earn the rewards.
@BronzeTrader wrote:
@Anonymous wrote:
It was not an instant approval. Upon submission, I was given the 7-10 business days notice. I called the automated status line about a half hour later and it was showing approved for the minimum $10,000, which I'm happy with since it's my first five-digit SL. The account is also showing in my Chase login too.
I haven't received any notifications on which bureau was pulled, but Chase has pulled just EX for me in the past. EX 8 is 708 and 14% UTI, with several lates from 2012. This now will be my primary driver, as I will be traveling more due to my future In-laws being located on the other side of the states. This pretty much ends my credit card apping for essentially ever unless I decide to try for the CSR for the more flexible travel credit, but that won't be for at least two or three years. I am way over 5/24, which is why I went for this instead of the CSR. I haven't had any pre-approvals in branch, and i have a trip that I will be planning within the next month, so I pulled the trigger on this one. I do have the Southwest card ($3000) and a checking account with Chase.
Thanks for everyone being awesome and so helpful in this community. It has been your advice that has helped me get to where I am. I seriously would have never pictured myself with a premium card like this when I started my rebuild.Congrats!
What is the advantage of the Ritz over CSR other than the bonus nightgs? If you do not mind my asking? After the 1st year, you need to spend $$$ to earn the rewards.
the biggest advantage is the perks at Ritz (club level, dining credit, etc). In addition, if you spend 75k, you can get Platinum elite status. So, if you stay at Ritz's, it is well worth it. If you don't that much, definitely go CSR.