Author Topic: Questions and Help for BEGINNERS! (Read 1798710 times)

sky121 · « **Reply #60 on:** June 22, 2012, 07:32:12 PM »

Quote from: jj1000 on June 22, 2012, 07:27:15 PM

YMMV (Which bank/s?)

Woops, Chase.

AsherO · « **Reply #61 on:** June 22, 2012, 07:36:30 PM »

Quote from: sky121 on June 22, 2012, 07:32:12 PM

Woops, Chase.

If you're reporting income, have a nice score, and not too many outstanding CLs/cards, you should wait 60 days (at very least 30 days) since your last Chase app to apply. Once applying, consider doing a 2/3bm to get the most out of the credit pull.

sky121 · « **Reply #62 on:** June 22, 2012, 08:41:47 PM »

Thanks. It all worked out. Closed a United card. Then reapplied for it again. Probably not the smartest thing in the world to do. I couldn't claim I needed two for spending because I haven't used it in forever on that persons account. And so many of the accounts still have United cards or even two since the Continental ones turned into United also. I want to keep taking advantage of the 55,000 offer right now.

YakovT · « **Reply #63 on:** June 23, 2012, 09:20:19 PM »

does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282

sky121 · « **Reply #64 on:** June 23, 2012, 10:21:11 PM »

Quote from: YakovT on June 23, 2012, 09:20:19 PM

does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282

I think it does if you are a joint user.

sky121 · « **Reply #65 on:** June 27, 2012, 05:32:40 PM »

I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

U-no-me! · « **Reply #66 on:** June 27, 2012, 05:40:24 PM »

Quote from: sky121 on June 27, 2012, 05:32:40 PM

I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

I'm not sure I understand your question correctly. It seems as if your asking to do a 2bm when you only have 1 active card? if that's indeed the question, why would it make a differnce. do a 2bm.

AJK · « **Reply #67 on:** June 27, 2012, 05:48:31 PM »

Quote from: sky121 on June 27, 2012, 05:32:40 PM

I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

You don't *have* to have 2 cards to do a 2BM. That would only be true if working off the premise that for one to be approved for a 2BM, you'd have to close one old card in favor of a new card. But you don't.

If you only have one card, either your CR can support an additional 1 (or 2 depending on how you look at it), or it won't. But prepare to recon.

Zeeeeks · « **Reply #68 on:** June 28, 2012, 10:55:21 AM »

After closing a card, how long do you need to wait before reapplying for the card again?

sky121 · « **Reply #69 on:** June 28, 2012, 11:09:56 AM »

Quote from: Zeeeeks on June 28, 2012, 10:55:21 AM

After closing a card, how long do you need to wait before reapplying for the card again?

I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.

Zeeeeks · « **Reply #70 on:** June 28, 2012, 11:12:46 AM »

Quote from: sky121 on June 28, 2012, 11:09:56 AM

I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.

Did you get the new card approved?

sky121 · « **Reply #71 on:** June 28, 2012, 11:17:31 AM »

Quote from: Zeeeeks on June 28, 2012, 11:12:46 AM

Did you get the new card approved?

Yup. Did one after an hour. And a different one a day after. The later was an instant approval.

Zeeeeks · « **Reply #72 on:** June 28, 2012, 11:18:07 AM »

Quote from: sky121 on June 28, 2012, 11:17:31 AM

Yup. Did one after an hour. And a different one a day after. The later was an instant approval.

Thanks

Avid Reader · « **Reply #73 on:** June 28, 2012, 11:27:36 AM »

Quote from: sky121 on June 28, 2012, 11:17:31 AM

Yup. Did one after an hour. And a different one a day after. The later was an instant approval.

Which bank, Chase?

sky121 · « **Reply #74 on:** June 28, 2012, 11:28:55 AM »

Quote from: Avid Reader on June 28, 2012, 11:27:36 AM

Which bank, Chase?

Yup.

pianodude · « **Reply #75 on:** June 28, 2012, 02:42:46 PM »

Quote

After closing a card, how long do you need to wait before reapplying for the card again?

Did one after an hour. And a different one a day after. The later was an instant approval.

Which bank, Chase?

Yup.

Which card(s) with Chase?

sky121 · « **Reply #76 on:** June 28, 2012, 02:44:38 PM »

Quote from: pianodude on June 28, 2012, 02:42:46 PM

Which card(s) with Chase?

United Explorer.

sky121 · « **Reply #77 on:** June 28, 2012, 02:45:16 PM »

Is trading miles allowed on the forums? I have some Amex I need to swap for UR points.

pianodude · « **Reply #78 on:** June 28, 2012, 02:53:15 PM »

Quote from: sky121 on June 28, 2012, 02:44:38 PM

United Explorer.

Have you closed/reapplied with other banks, Amex, etc.? What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

sky121 · « **Reply #79 on:** June 28, 2012, 02:54:49 PM »

Quote from: pianodude on June 28, 2012, 02:53:15 PM

Have you closed/reapplied with other banks, Amex, etc.? What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

I've only done the United about 3/4 times.

Topic Wiki

Author Topic: Questions and Help for BEGINNERS! (Read 1798710 times)