@Anonymouswrote:Maybe a better idea to avoid Chase at this stage as recently (Feb/Mar this year) they have been closing accounts when they see too many new credit cards opened around the time you open Chase credit card(s). The upcoming 2 Amex cards on report is likely going to trigger Chase.
You can call Citi's customer service to see if you can change it to Double Cash, but not AA cards since that would count as "opening" an AA card and you won't be eligible for any signup bonus for AA cards for another 24 months (and probably such conversion isn't possible on their end anyways).
Two new cards would trigger chase? I could see maybe on a thin file that happening, but I assume Chase wouldn't be doing that to people with established credit files.
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@Anonymouswrote:
@Anonymouswrote:I was wondering, like the title says, is Chase really worth it. I've been contemplating apping with them or the Citi Thank you Preferred.
Basically a rewards card that has uiversal benefits is prfered, but ther are so mnay that are close that it's frustrating trying to figure it all out.
My issue is that for Chase I need to do it soon, before my 2 new Amex cards show up. They will put me over the 5/24, or extremely cose to it.
I had 2 last year and one in 16. The AA Gold also looks good, as I use that Airline that the point would come in handy.
Though I guess I can maybe convert my Diamond Preferred into a differnt reward earner with Citi. IDK
Thoughts?
I would try to ignore the issuer (except of course for things like 5/24). Does a particular Chase, or particular Citi card (or one from any other issuer) meet your needs? That said, no idea what the attraction is with the Citi Thank You Preferred, this is a weak 2% somewhere card where you get points rather than cash which is more restrictive. Maybe if you use JetBlue but I don't think the rate from this card is that good.
+1 The most important thing is if the cards meet your goals either with their signups, benefits or spend categories etc. I like my chase cards and I have been cutting back on my apps quite heavily, but I'm starting to wonder if maybe I should just app for whatever I want and write future chase cards subject to 5/24 off. If you are inclined to get a chase card then probably now is the time to do so.
@Anonymouswrote:
@red259wrote:Two new cards would trigger chase? I could see maybe on a thin file that happening, but I assume Chase wouldn't be doing that to people with established credit files.
People with almost 7 years history and high credit score still get all their Chase credit cards shut down. This is fairly recent.
For two other credit cards posting as new accounts at the time of a chase app approval? So three cards total and chase will shutdown all accounts even on people who are prime customers? Do you have data points on this because it doesn't make a hell of a lot of business sense.
