Chase discussion

[sillykitty1]

I think you will have a tough time being approved by Chase because of your 611 EX.  Chase is nearly always an EX puller.  I think you'd be better off looking at a creditor that pulls EQ or TU, like Barclay.

[physicist82]

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@Creditaddict wrote:

wiat, 611 EX? that is what chase pulls.

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I thought it depended on the state? I have seen people say TU or EQ for Chase, and usually I see people complaining that they double pulled. 

Our EX will most surely go up a lot when we pay off our other cards. I don't know how high because of the collection on there. We disputed it with all the bureaus and they were the only ones that didn't remove it, and they actually made it worse because they updated it to look newer then it was. 

Our EX is why we didn't consider trying for an AMEX.

[physicist82]

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@sillykitty1 wrote:

I think you will have a tough time being approved by Chase because of your 611 EX.  Chase is nearly always an EX puller.  I think you'd be better off looking at a creditor that pulls EQ or TU, like Barclay.

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Hmm... I thought it depended on your region for who pulls what. I also thought Chase double pulls. I figured if EX was one of the ones they pulled we could recon and make sure they look at how clean and nice the other 2 are. 

We also have a history with Chase on our current card since 2008, and we used to be checking customers when they took over WAMU before we switched to credit union only. 

[Creditaddict]

They do sometimes double pull but I feel like that's an Amex thing if your border (you don't hope for it)
But having chase card already might be the boost you need if it's not maxed!
What's the limit?

[physicist82]

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@Creditaddict wrote:
They do sometimes double pull but I feel like that's an Amex thing if your border (you don't hope for it)
But having chase card already might be the boost you need if it's not maxed!
What's the limit?

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Right now its 3300/3500 but we will be paying it off before we apply for anything else. We had to replace our engine so we put it on there since its our highest limit card. 

Maybe we should call and ask for a CLI on that card first before attempting to apply for a new one? And that will give us an idea of what they think about the reports.

[Creditaddict]

I would not cli, chase is known to give out newer higher limit cards way easier than cli.
But pay it off first

[physicist82]

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@Creditaddict wrote:
I would not cli, chase is known to give out newer higher limit cards way easier than cli.
But pay it off first

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That's good to know. I had actually eventually planned to move most of that line to new Chase cards once we get a hold of 1 or 2 since its just a junky no rewards card that used to be a WAMU card. At least it has no AF though unlike our Cap1 cards. Actually cap1 is the only CC's we have an AF on. 

[OHWWCB]

Chase pulled EQ for me when I got my CSP and Freedom. I was just approved for the Marriott Rewards last night and I haven't seen the inquiry come up anywhere yet....probably tomorrow. 

[bigblue7722]

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@physicist82 wrote:

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@bigblue7722 wrote:

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@physicist82 wrote:

I need to think about something else other than the fact that we our past our financing deadline on the house we are purchasing as of yesterday and we haven't heard from any of our financing people since half way through the day yesterday so I have been contemplating which 2 Chase cards we should apply for once we are closed (knock on wood) before the mortgage starts reporting. 

I was comparing 5 cards on their site. 

CSP

Freedom

Marriot 

Amazon

Hyatt

The airline ones are useless to us, we fly for free. The other hotels I could care less about. 

Are the Marriot or Hyatt only worth it if you only stay in those chains and frequently? The Marriot peaked my interest because of the bonus and the free night each year, but if you earn most of your points after the bonus by staying at Marriot hotels then it would take forever for us to earn any rewards. If you have the CSP coupled with the Marriot card is it better? Same question with the Hyatt card. Obviously free stays outweigh the annual fee most of the time, but if you can only earn rewards by staying at those hotels then it wouldn't do us much good.

Amazon I just threw in there because. We do a lot of our Christmas shopping on there (but the Freedom would cover that) and I buy my textbooks on there.

Would the CSP be coupled well with one of the 2 hotel cards or would it be redundant? I know about the Freedom/CSP benefit by converting the Freedom CB into UR points to use on travel, but I don't know if any of the other cards combine with CSP well. 

Also what kind of spending do you have to put through CSP once the annual fee kicks in to make it worth it. 

Which 2 would be the easiest to get ahold of. 

Mortgage pulls: Ex 611, TU 734, EQ 727

AAoA: 5 years

Oldest closed acct 14 yrs 

Oldest open acct 9 yrs 

Car loan 330/mon since Aug 2013

2 best buy cards 0/1000 and 845/1000

1 chase (old WAMU) 3300/3500

3 cap1 0/2000, 0/1000, 600/1000

Care credit 0/2200

Discount Tire 0/500

Person applying income 50k

No late pymts, no derogs, no collect ( except 1 paid collection on EX as you can see by the diff in the scores)

We'd really like to secure some nice cards that will grow with us while the scores are decent right now. Oh and at the end of Aug we plan on paying off Chase and the Cap1 so the only one with a bal will be the Best buy one because its 0 interest until next yr.

Some of our other goals are to get the 2 best buy cards combined if Citi will let us and an increase so that if we buy something it won't kill our util on it (like a fridge), to get the GE cards increased just because, and if we get a good chase card or 2 we would want to eventually move some of the line of our old one over to 1 of those. We would have liked to have added an AMEX but that won't happen with the Ex score, but we would like the Discover it in the mix for the 5% categories. We also intend on closing at least 1 of the Cap1 (we never intended on having 3 but 1 was bought out from HSBC). We are also considering Home Depot or Lowes for stuff around our new house that we need but the others would be a priority over that. 

Any thoughts, ideas, tips on which ones aren't worth the trouble or which ones we should apply for first if we are going to do this all within a week or so? Any discussion at all would be better than thinking about my nightmare of a mortgage process.

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You have nothing to lose by getting the marriott card. Take the 70k offer right now plus the free night cat 1-4 just for getting the card. After the first year free night cat 1-5 probably a 300 dollar value for 85 bucks not bad at all. And if need be you could transfer your csp points to marriott and get even more free nights.

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So if we wouldn't frequently pay for a Marriot stay unless we were getting a good deal then the Marriot card would have the best advantage if we had the CSP to transfer points to it? My main concern of the value for the Marriot is that you really only earn good points on it if you are using it to pay for a stay at Marriot. 

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The cat 1-5 free night every year is great.  70k points is great. You really have nothing to lose. I cant wait till mine comes in.

[Josh2942]

That high uti plus super low score on EX will seem like it will be a high chance of denial. Chase usually pulls EX plus you dont have a CL close to 5k because even your highest one is being over utilized.