Misc Credit Card Questions

[noturbizniss]

Applied for a cc in branch, got the pending approval. Banker said he would call in a bit to get put through (said he called for someonen15 min earlier and had 30 minute wait on hold) and would call me later with an update. Haven't heard back. Just curious, how long does this type of app take? Never applied in branch before.

[PETERP]

Applied for a cc in branch, got the pending approval. Banker said he would call in a bit to get put through (said he called for someonen15 min earlier and had 30 minute wait on hold) and would call me later with an update. Haven't heard back. Just curious, how long does this type of app take? Never applied in branch before.

I applied in branch once at least . I called recon on my own and got it approved then called my banker
and told him no need to follow up .  I wouldn't wait for banker .

[noturbizniss]

I applied in branch once at least . I called recon on my own and got it approved then called my banker
and told him no need to follow up .  I wouldn't wait for banker .

Don't bankers have better chances with recon though?

[curry30]

1) Is opening a business and a consumer card on the same day from the same bank considered two separate pulls?
2) In general, can I apply for both the consumer United Explorer and the business United explorer if my business is a sole proprietor (and I just opened it this month)?
3) Is it possible to get the Ink Plus UR card as a sole proprietor as I just started my business this month?

[TimT]

1) Is opening a business and a consumer card on the same day from the same bank considered two separate pulls?
2) In general, can I apply for both the consumer United Explorer and the business United explorer if my business is a sole proprietor (and I just opened it this month)?
3) Is it possible to get the Ink Plus UR card as a sole proprietor as I just started my business this month?

1)Depends on the bank
2)You may
3)Its possible but might be tough

[David Smith]

3)Its possible but might be tough

I haven't been asked for business documentation.

[TimT]

I haven't been asked for business documentation.

Lot's of people get the "business is too new" line.

[curry30]

1)Depends on the bank
2)You may
3)Its possible but might be tough

1) Amex cards or Chase for example

Thanks for your help!

[PillanSmye]

1) Is opening a business and a consumer card on the same day from the same bank considered two separate pulls?
2) In general, can I apply for both the consumer United Explorer and the business United explorer if my business is a sole proprietor (and I just opened it this month)?
3) Is it possible to get the Ink Plus UR card as a sole proprietor as I just started my business this month?

Chase biz and personal will not get merged.

Get a TIN/EIN for your SP and you'll have better chances with biz cards

[TimT]

1) Amex cards or Chase for example

Thanks for your help!

All amex merge into one on same day. Chase will be 2 pulls.

[curry30]

All amex merge into one on same day. Chase will be 2 pulls.

Thank you so much! And both the United Explorer Business and Consumer cards can be downgraded to a non AF card correct?

[CS91]

Get a TIN/EIN for your SP and you'll have better chances with biz cards

Is this specifically when you have a 5/24 problem, or in general? Because I found Chase to be super easy with Biz apps and I got both mine and DW's Ink when our "businesses" just started. Citi on the other hand was a PITA.

[curry30]

Is this specifically when you have a 5/24 problem, or in general? Because I found Chase to be super easy with Biz apps and I got both mine and DW's Ink when our "businesses" just started. Citi on the other hand was a PITA.

Is the 5/24 rule for UR cards for cards that you applied for and were accepted to? Or just for accepted cards? In the past 4 months, I have been approved for 3 cards and have been denied for 2 cards. I already have two UR cards for a while now (the Freedom which I opened in 2011 and the Sapphire Preferred which I opened in 2012) so I don't know if it helps if you typically have other UR cards already.

[CS91]

Is the 5/24 rule for UR cards for cards that you applied for and were accepted to? Or just for accepted cards?

They count any new accounts from the past two years that appear on your credit report. They don't have to be Chase accounts, or even credit card accounts for that matter.

[curry30]

They count any new accounts from the past two years that appear on your credit report. They don't have to be Chase accounts, or even credit card accounts for that matter.

hmmm. I wonder if student loans would count then or if I added an authorized user under my account would too...

[yochiek93]

hmmm. I wonder if student loans would count then or if I added an authorized user under my account would too...

AU's count

[CS91]

hmmm. I wonder if student loans would count.

They do. Speaking from personal experience.

[Slims]

I was wondering if someone could help me with choosing my next cc applications...I have a FICO of 781 and I currently have the chase saphire, starwoods, and freedom cards. I had in the past (recently closed) my avios card and Amex gold card. My wife just got the new avios and has the saphire, starwoods, and freedom cards.
My goal is to obtain vacation hotels and flights for free, but if these type of cards are not available I would just sell the points...are there any current good offers out there? 

TIA

[dealfinder85]

I was wondering if someone could help me with choosing my next cc applications...I have a FICO of 781 and I currently have the chase saphire, starwoods, and freedom cards. I had in the past (recently closed) my avios card and Amex gold card. My wife just got the new avios and has the saphire, starwoods, and freedom cards.
My goal is to obtain vacation hotels and flights for free, but if these type of cards are not available I would just sell the points...are there any current good offers out there? 

TIA

you can start with hyatt

[yochiek93]

I was wondering if someone could help me with choosing my next cc applications...I have a FICO of 781 and I currently have the chase saphire, starwoods, and freedom cards. I had in the past (recently closed) my avios card and Amex gold card. My wife just got the new avios and has the saphire, starwoods, and freedom cards.
My goal is to obtain vacation hotels and flights for free, but if these type of cards are not available I would just sell the points...are there any current good offers out there? 

TIA

Amex Hilton surpass