Way around Chase 5/24 if you are at 4/24

[Anonymous]

So recently I decided to go for an app spree (though initially that was not the case) with Chase. I was at 4/24 and wanted the CSP, Freedom and Freedom Unlimited to create the perfect trifecta (without any business card though). My scores are 720ish, history 1-1.5 years. Highest limit Amex SPG, BCP of 5k each.

First applied for a Freedom at 7 30am - 7 -10 day message, called at 8 30, 10 min call and was approved for a very genrous limit. Was very happy! (now at 5/24)

Decided to do a little more and applied for a freedom Unlimited two days later, on  a weekend, again got a 7-10 day message, called and unfortunately the card went into a SSN verification, so will have to fax over a copy to verify. App is pending for 30 days and will be decided upon after receival.

5 days later decided that I would give a shot at the CSP as the Freedom has not started reporting and might have a shot. Got an invite from a friend, applied through that, got the "call immediately" message. 3 mins later was approved for an even bigger line than the freedom.  

*Happy Dance*

Now just need to complete the verification and hopefully get approved for all 3.

Point of the post that if someone is stuck at 4/24 and wants chase, do not hesitate to apply for all of them with a few days spaced out.

Thank you to everyone on this forum who guided me about the specifics of not reporting and encouragement! 

P.S. Now in gardening till I can score a prequalified or a regular 100k Amex Plat!

[Anonymous]

You are not at 5/24 until 5 recent cards are reporting. Chase took about a month to show up on my reports, which is why i was able to get Freedom Unlimited as 6/24 a week after CSP.

[Anonymous]

Agreed. Took your advise as you had suggested in a previous post. Just wanted it out there for other people like me who are hesitant about diving with Chase.

[Anonymous]

I got Chase Freedom as my 7/24 after the Freedom Unlimited (4/24) and two more cards in between... all within 2-3 weeks. You might be pushing your luck if you are applying for 3 Chase cards though. Good luck!

[RonM21]

Interesting data. I think they may not be an option for me under that rule.

[Anonymous]

Congrats.. But you might want to be careful doing these sorts of things with Chase. One forum member had his accounts reviewed for similar over 5/24 approvals. Hopefully you're okay and they won't look any further. 

Check these posts:

http://ficoforums.myfico.com/t5/Credit-Cards/Chase-account-review/td-p/4611026

http://ficoforums.myfico.com/t5/Credit-Cards/Survived-a-AA-from-Chase-butttt/m-p/4629823#M1340540 check post #19 in this thread

[Anonymous]

okiieee .. that is scaryy .. glad I am okay .. No I am debating wether I should consider talking to them about the Freedom Unlimited app which is hanging or just let it go.. 

[Anonymous]

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@Anonymous wrote:

okiieee .. that is scaryy .. glad I am okay .. No I am debating wether I should consider talking to them about the Freedom Unlimited app which is hanging or just let it go.. 

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If you want to play it safe, I probably wouldn't call and keep a low profile. No need to rock the boat.. 

[DoroLucky]

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@Anonymous wrote:

Congrats.. But you might want to be careful doing these sorts of things with Chase. One forum member had his accounts reviewed for similar over 5/24 approvals. Hopefully you're okay and they won't look any further. 

Check these posts:

http://ficoforums.myfico.com/t5/Credit-Cards/Chase-account-review/td-p/4611026

http://ficoforums.myfico.com/t5/Credit-Cards/Survived-a-AA-from-Chase-butttt/m-p/4629823#M1340540 check post #19 in this thread

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He/she should be OKAY if they don't call Chase for anything. Creditplz called to inquire about something and that's how he got caught up. 

[DoroLucky]

I was just about to say LAY LOW and don't call them about anything any time soon LOL.