January app spree

[red259]

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@09Lexie wrote:

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@red259 wrote:

Will go for amex gold as charge card. Do you think I should go for the bcp over spg card as my amex revolver? I go back and forth on this. 

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Do you stay at SPG Hotels a lot?

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For this year probably sticking with marriot due to my status with them, but the points can go into a lot of different airline partners which is why I was interested in spg. 

[wHiTeSoL]

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@FinStar wrote:

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@myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?

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+1

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?

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I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27

[enharu]

@whitesol, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.

[red259]

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@wHiTeSoL wrote:

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@FinStar wrote:

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@myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?

---

+1

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?

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I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27

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So now I am back to being confused as it seems that some people are getting two chase cards wirth one hard pull. 

[FinStar]

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@red259 wrote:

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@wHiTeSoL wrote:

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@FinStar wrote:

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@myjourney wrote:

Chase will result in 2 HP's sorry 

IIRC you really wanted the business card most correct?

---

+1

Chase will consider each application separate, especially if you will be PG on the Ink card.   It appears you're on the fence on SPG or BCP .. have you given some thought as far as what would be of most value?  Travel? Cashback?

---

I got a United Explorer personal card, Ink Bold, and a CLI all on one HP (EQ) 10/27

DW got a Freedom and CSP on one HP (EX) , then got a PRG and BCE on one HP (EX) 10/27

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So now I am back to being confused as it seems that some people are getting two chase cards wirth one hard pull. 

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It's a YEMV situation.  By default, Chase will HP for each product you apply for including any CLI requests.  If you are moving or swapping CLs between personal cards or business cards, then no HP.

[wHiTeSoL]

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@enharu wrote:
@wHiTeSoL, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.

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Maybe I worded it poorly, I was approved for a united explorer, approved for an Ink bold, and got a CLI on my freedom all in one day with 1 HP. It certianly is possible but like everyone else is saying YEMV, expect multiple pray for 1. 

[FinStar]

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@wHiTeSoL wrote:

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@enharu wrote:
@wHiTeSoL, a hp for CLI on multiple chase cards is equivalent to a hp for CLI on one chase card. Chase did the same for me in the past, but when I gave it more thought, all they did was to increase their overall exposure to me via 1 pull, which is what they care about.

One can have 3 increases on 3 cards for 3k each, or a one CLI on 1 card for 9k and then call CSR again to move some of the CLs to other cards, which chase is more than willing to do.

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Maybe I worded it poorly, I was approved for a united explorer, approved for an Ink bold, and got a CLI on my freedom all in one day with 1 HP. It certianly is possible but like everyone else is saying YEMV, expect multiple pray for 1. 

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Exactly... well said wHiTeSoL.

[jamesdwi]

if you are going to try for AMEX I would AP in december to set your membership year that can make an impact with your AMEX membership, I don't think a couple weeks will mattter much in AP terms.