Is the bureau they use state specific? And would they use the same CR if doing a recon? I recently applied and it looks as if they pulled EX (<--boo! It's the lowest of the 3), so I was just trying to get a small advantage (knowledge is power) as I wait for them to decide on my credit worthiness.
From reading around, it seems as if they pull all of the bureaus. It just depends on where you live. I reif'd my car and got the Freedom in January and both pulls were EX. I just got their Southwest card, but I have yet to see what they pulled. I'll update if I pull my reports soon.
On another note, I'm not sure if it would be wise to identify yourself as an employee of Chase in your posts on a forum. Just a heads up.
I doubt it's easier/harder than the onepass plus. I'm sure Chase would love everyone to have the PP given its higher AF.
I have the Continental OPP card and they wouldn't let me product change since it's World Elite and not World which is what the OPP is. PP is World Elite and they said has an even more difficult profile. The lady did say to me that those two cards are hard to get.
I question the accuracy of that CSR. If you qualify for the OPP but instead opt for the same credit limit on a PP, I doubt chase would turn down the higher AF for no additional exposure.
Well I called again last night and another CSR said the same thing to me as I got the program changes for OPP to the new MileagePlus Explorer from United that will take effect on Jan 1.
They said I cannot product change to the PP card again. This guy told me once again that it is a different class of card. So I don't know...It's not a big deal because I'm guessing that PP is probably going away. On United's site it seems that the MileagePlus Explorer is the only one now...
No, I haven't now that you mention it. I got it in November. Well, that is very well the case then...Why can't they just say that up front?