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Messages - jsk173

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Credit Cards / Re: Chase Reconsideration
« on: January 11, 2017, 10:58:01 PM »
Highly unlikely a United marketing email circumvents 5/24.

Credit Cards / Re: Misc Credit Card Questions
« on: January 11, 2017, 10:05:51 PM »
Will chase let me make a payment before my statement is due on card 1 from a bank account that is only added on to a card 2?

Push or pull? If trying to pay on Chase's site, only the bank accounts added for a particular card can be used. (It's not like Amex or Citi, where a bank account can be added to all accounts at the same time.)

Credit Cards / Re: Misc Credit Card Questions
« on: January 11, 2017, 07:23:45 PM »
Thanks for that careful analysis! But it wouldn't hurt her chances either, correct?

No, it could hurt. The more new credit obtained by someone starting with no credit, the harder it is to be approved for additional cards in the short term. (After a few months, it becomes a positive.)

Credit Cards / Re: Citi reconsideration
« on: January 11, 2017, 07:20:22 PM »
Same address? If not, it might not be on all (or any) of her credit reports.

Credit Cards / Re: Misc Credit Card Questions
« on: January 11, 2017, 04:56:51 PM »
Background: I'm trying to open two specific credit cards, let's call them Cards A and B, from Chase. I applied for them both together (MBM), and both were denied because I have no credit. After a call with the Chase Reconsideration Department, I was able to get Card A approved, but I was told that I would need to apply for Card B at a later time once my credit score increased.

Question: Now that I have Card A, would help or hurt me if it help if I opened another credit card from a different bank? I am Citi Gold, so I imagine that my banker can get me approved for a basic Citi card, let's call it Card C. On the one hand, having a Card C in addition to Card A would allow me to build a stronger credit history. On the other hand, when it comes time to open Card B with Chase, they might see that I've now opened 2 cards in the past couple of months, and it might seem like I'm desperate for credit.


Opening Card C with a bank other than Chase would be good as a long-term credit move but probably wouldn't help your wife get the second SW card faster for purposes of getting the companion pass. Since you said she has nothing on her reports except one AU card, she was very lucky Card A was approved as her first CC. Chase can be a very conservative issuer with new customers and especially with people who have a limited credit history.

Credit Cards / Re: Citi reconsideration
« on: January 11, 2017, 04:48:30 PM »
A friend of mine applied for the CITI THANKYOU® PREFERRED CARD for her FIRST credit  card and was denied. She called reconsideration a few times and was not even allowed to try to plead her case was just read a script and hung up on. Any suggestions? Any way they'll accept her?

I heard citi is generally relatively easy on new applicants

Does she have a credit score — i.e., does she have any credit history aside from credit cards?

Credit Cards / Re: Chase Reconsideration
« on: January 11, 2017, 04:44:22 PM »
Just signed up for CSR and got the message to wait 7-10 days, have a score over 720 and don't own a CC, should I wait to get the denial or should I call already now recon or is it a waste of time?

If you have no credit cards, you don't have anything to lose by calling now. That said, the CSR has a $10,000 minimum credit limit, so you might have a tough time getting Chase to give it to you as your first CC.

Credit Cards / Re: Credit Card Retention Bonuses
« on: January 11, 2017, 04:40:44 PM »
There's no no-fee charge card, and you can't downgrade a charge card to a credit card (e.g., Everyday).

Credit Cards / Re: Chase Reconsideration
« on: January 10, 2017, 10:19:17 PM »
I hear you. Both calls the CSR was the only card discussed. On the first call they asked which application I was calling regarding, on the second call no mention.

Worth calling and discussing the CSP only, any chance there?

I'd definitely focus on the CSP, and you might not get that one. Chase can be very tough on people who have less than 12 months of credit history and/or no existing credit limit higher than $5,000.

Your Amex Delta is old enough to request a credit limit increase and it will only be a soft pull; maybe try for a higher limit there (online, in account management) and then, if approved, you'll be in better shape if you have to try again with Chase a few months from now.

Credit Cards / Re: Chase Reconsideration
« on: January 10, 2017, 10:17:49 PM »
Apologise for the ignorance but what are ratios?

Debt-to-income and percentage of credit limits used.

Credit Cards / Re: Barclays pulled Experian credit report
« on: January 10, 2017, 08:06:54 PM »
If it's a new card, it's new credit.

Credit Cards / Re: Chase Reconsideration
« on: January 10, 2017, 08:04:27 PM »
Hi all -

Here goes my experience with the Chase recon team, but first a little background is called for. I'm relatively new to the game, only have two cards (BofA CashRewards ($1500) and AMEX Delta ($2000). The BofA card is 8 months old and the AMEX 5 months old. My credit score based on CreditKarma and FICO score from BofA is around 710-715. I applied for the Chase Sapphire Reserve (and Chase Sapphire Preferred at the same time) and received "This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision", essentially a decline. I called recon line the next day and was told that my credit history is too short and that I cannot be approved for that card. I called again today, spoke to a somewhat hostile agent, and was told the same thing.

Is there any hope for approval? What is considered a sufficient credit history length? Seems I have no choice but to wait and apply again but wouldn't want to wait too long nor apply again too soon. Any advice on how to proceed, what to apply for in the interim or how long to wait would be appreciated.


You were too aggressive. The minimum credit limit for the CSP is $5,000 and the CSR is $10,000. With such a short credit history and no card higher than $2,000, you'd be lucky to get Chase to approve one card at $5,000.

Credit Cards / Re: Chase Reconsideration
« on: January 10, 2017, 08:02:54 PM »
She has no CR.

She must at least have CR(s), or else Chase is highly unlikely to have approved a $5,000 CL without so much as an ID request.

Credit Cards / Re: Amex Platinum Master Thread
« on: January 09, 2017, 12:44:34 PM »
Thanks amex business plat!!!!!  Applied for 2 cards for myself and 2 for my wife in December.  Got $1,600 worth of free united travel.  No signup bonus unfortunately as I have previously received it.  Now downgrading to free first year gold card.   Will upgrade to plat (temporarily) when I travel.    Until next December..........

This is why we can't have nice things. I hope Amex claws back every dollar.

Credit Cards / Re: Amex Platinum Master Thread
« on: January 08, 2017, 09:18:03 PM »
Why was the JetBlue flight canceled?

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