Which card is better that pass you, Visa or Amex?

[Ghoshida]

OP, Chase sends a letter after the denial of a new credit card.

What did your letter say?

That will help us do a better analysis than pure speculation.

Also, if possible, please list your cards (with limits and opening dates) and your current credit scores (with the source, if you know that).

[Anonymous]

Thank you!! What I need is definitely time

[Anonymous]

My score is according to them in 712. The reason that I give in the letter... "too many request for new card"

[creditguy]

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@Anonymous wrote:
My score is according to them in 712. The reason that I give in the letter... "too many request for new card"

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If your goal is to get a Chase card, keep in mind the 5/24 rule. 

[Anonymous]

What is the "that pass you" in the title meant for?

[Anonymous]

OP,

This rule only apply (for now) to Slate, Freedom and CSP, you mentioned that you want Freedom but why dont you try for a co-branded?, the 5/24 rule does not apply to those cards yet and doing this you will build a relacion with Chase and eventually you will get your approve for Freedom, most of the Chase cards are Visa (you want a Visa) so but again, YMMV.

[Anonymous]

[creditguy]

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@Anonymous wrote:

OP,

This rule only apply (for now) to Slate, Freedom and CSP, you mentioned that you want Freedom but why dont you try for a co-branded?, the 5/24 rule does not apply to those cards yet and doing this you will build a relacion with Chase and eventually you will get your approve for Freedom, most of the Chase cards are Visa (you want a Visa) so but again, YMMV.

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This is not entirely true. There have been several threads about certain co branded cards being part of the 5/24 rule as of late. Of course there is no official word stated by Chase but there are threads regarding it. To OP, don't simply apply for a co-branded card because it says chase, apply for a card you want and can use, don't waste inquiries and bring down AAoA by simply applying for something because of it's name or affiliation. 

[Anonymous]

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@creditguy wrote:

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@Anonymous wrote:

OP,

This rule only apply (for now) to Slate, Freedom and CSP, you mentioned that you want Freedom but why dont you try for a co-branded?, the 5/24 rule does not apply to those cards yet and doing this you will build a relacion with Chase and eventually you will get your approve for Freedom, most of the Chase cards are Visa (you want a Visa) so but again, YMMV.

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This is not entirely true. There have been several threads about certain co branded cards being part of the 5/24 rule as of late. Of course there is no official word stated by Chase but there are threads regarding it. To OP, don't simply apply for a co-branded card because it says chase, apply for a card you want and can use, don't waste inquiries and bring down AAoA by simply applying for something because of it's name or affiliation. 

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No co-branded cards are part of the 5/24 rule (at least with me), several people here were denied and others dont, myself applied for 6 Chase cards and only was denied for CSP (was my 4 application), after that i applied for United and IHG and both were approved with 5K each, and those applications were within 8 months:

Here my apllications:

Chase Freedom - Approved

Chase Amazon - Approved (closed and move CL to SW)

Chase SW - Approved

Chase CSP - Denied (Got denied right after applied, called recom an denied again, too many applications in the last 2 years)

Chase United - Approved

Chase IHG - Approved

So those applications were within 8 months, as you see there was no 5/24 rule applied to me and that is why my replay to OP.

You are right to apply only when necessary ( i learned that here) and i was not telling the OP to apply, he was just looking for info (Chase Visa) and i gave him an option but definatelly was not my recommendation, again YMMV.

[Anonymous]

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@creditguy wrote:

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@Anonymous wrote:

OP,

This rule only apply (for now) to Slate, Freedom and CSP, you mentioned that you want Freedom but why dont you try for a co-branded?, the 5/24 rule does not apply to those cards yet and doing this you will build a relacion with Chase and eventually you will get your approve for Freedom, most of the Chase cards are Visa (you want a Visa) so but again, YMMV.

---

This is not entirely true. There have been several threads about certain co branded cards being part of the 5/24 rule as of late. Of course there is no official word stated by Chase but there are threads regarding it. To OP, don't simply apply for a co-branded card because it says chase, apply for a card you want and can use, don't waste inquiries and bring down AAoA by simply applying for something because of it's name or affiliation. 

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+1

Especially since most of the co-branded Chase cards are for very specific uses (e.g. the hotel cards) or have relatively general uses that are not quite as good as other cards out there (e.g. Chase Amazon - you can get better cash back on Amazon from the store card). And as creditguy pointed out, some of these are even under the 5/24 rule now.