Chase keeps approving me for everything..lol

[Anonymous]

I went a little app-happy with Chase in the last couple weeks.

Yes I can actually make use of the cards I opened with them.

Chase IHG $3k today

Chase Hyatt $5k today

Chase Disney Premier $3k over the weekend

Chase Marriott Rewards $5k two weeks ago

Chase Freedom PC to Freedom Unlimited and a $3000 CLI after 5 months of account opening and low usage.

I work in the hotel industry and whatever annual fees I have will pay for themselves.

Granted the limits arent the highest but a year ago I had a cap 1 secured $200 card and tons of baddies.

Plus everything else in my signature.

Little hard work goes a long way.

[CreditCuriosity]

First Congrats.

Very strange as Chase usually only approves two applications in a month period of time very rare being three in a month and unheard of 4 in a month.. Sure your time frame isn't a bit skewed how long it has been between applications?

[Anonymous]

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@CreditCuriousity wrote:

First Congrats.

Very strange as Chase usually only approves two applications in a month period of time very rare being three in a month and unheard of 4 in a month.. Sure your time frame isn't a bit skewed how long it has been between applications?

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Nope, Each time I apped I called that very same day or the next day and received an approval right over the phone. 

4/4 in under a months time and the CLI in the same time frame. 

1-800-303-4735 direct to a rep, asked a few questions and came back with the approval.

[Anonymous]

Looks about right. Two cards are with chase, two are co-branded and another is a PC. 

[Anonymous]

Each one of those was a hard pull right? How would so many not hurt your credit. I am afraid to have more than 3.

[Anonymous]

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@Anonymous wrote:

Each one of those was a hard pull right? How would so many not hurt your credit. I am afraid to have more than 3.

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My EQ and EX already have over 30 inq's and I have almost 40 total accounts on my profile (15 or so closed the rest open)

so inquiries dont hurt my scores presently. All the apps are inside of a couple months of each other.

[Anonymous]

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@Anonymous wrote:

Each one of those was a hard pull right? How would so many not hurt your credit. I am afraid to have more than 3.

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I have 16 inquiries on Experian and my score is 728.

Congrats on the approvals!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Each one of those was a hard pull right? How would so many not hurt your credit. I am afraid to have more than 3.

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I have 16 inquiries on Experian and my score is 728.

Congrats on the approvals!

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Thank you! 720's are my goal range of scores (i know youre replying to ram8704)
I had an open collection I just paid off and am hoping to get deleted which should send all my scores up closer to 700.

and thanks!

[Pway]

Congrats on the approvals.  Since you have the cards, I would not open up nothing else with them or any other lender.  I would stay low on the radar, no CLI or nothing for a while.  I would hate for them to close your accounts.  You have done well, however 5 accounts in such a short time period is a bit much for one lender, especially Chase.  

[Anonymous]

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@Pway wrote:

Congrats on the approvals.  Since you have the cards, I would not open up nothing else with them or any other lender.  I would stay low on the radar, no CLI or nothing for a while.  I would hate for them to close your accounts.  You have done well, however 5 accounts in such a short time period is a bit much for one lender, especially Chase.  

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Thank you. I've considered that myself and have decided to let things settle down for a while. It would be unfortunate to see AA so soon.