Misc Credit Card Questions

[yochiek93]

How is it possible to be not eligible for a SP or Freedom bonus?

Got it in the last 24 months

[yakrot]

How is it possible to be not eligible for a SP or Freedom bonus?

only way I know possible would be if he currently has them open. Even then he can just downgrade...

[D93]

Got it in the last 24 months

You're joking. Right?

[yakrot]

Got it in the last 24 months

um

[TimT]

Got it in the last 24 months

cough cough

[yochiek93]

You're joking. Right?

um

cough cough

I'm just saying according to the T&C not that it's not possible (I'm explaining his thought process)

[David Smith]

Chase is rejecting people in grounds of having gotten the bonus in the past 24 months. I don't blame him in thinking it's not worth the pull, even if it's not built in to the system and you will get the bonus upon approval.

[D93]

Chase is rejecting people in grounds of having gotten the bonus in the past 24 months. I don't blame him in thinking it's not worth the pull, even if it's not built in to the system and you will get the bonus upon approval.

That doesn't make him "not eligible".

[D93]

Chase is rejecting people in grounds of having gotten the bonus in the past 24 months. I don't blame him in thinking it's not worth the pull, even if it's not built in to the system and you will get the bonus upon approval.

Isn't the consensus here that pulls are overrated?

[David Smith]

Isn't the consensus here that pulls are overrated?

All the credit experts seem to agree that too many pulls alone are rarely to never the reason for rejection, and have minimal effect compared to other factors like new accounts.

[D93]

All the credit experts seem to agree that too many pulls alone are rarely to never the reason for rejection, and have minimal effect compared to other factors like new accounts.

Right, so why did you say

I don't blame him in thinking it's not worth the pull

?

[David Smith]

Right, so why did you say
?

I still have to scream that at myself before pressing the first submit of the day/month.

[yochiek93]

Right, so why did you say
?

Well he did say this

This is my first post,  new to this hobby

[David Smith]

Well he did say this

Yup. Thinking being the operative word.

[PillanSmye]

Isn't the consensus here that pulls are overrated?

Overrated sure.  But no need to be non-judicious with them

[D93]

Overrated sure.  But no need to be non-judicious with them

What do you suggest - X pulls in X months?

[PillanSmye]

What do you suggest - X pulls in X months?

I keep getting accepted for everything.  I don't know where the limits are.  I know people that have been approved for Citi cards with 20 INQ's on EX though...and according to the FT crowd that isn't possible...except that it is.

[D93]

I keep getting accepted for everything.  I don't know where the limits are.  I know people that have been approved for Citi cards with 20 INQ's on EX though...and according to the FT crowd that isn't possible...except that it is.

Citi seems to have become a little more lax on that rule lately

[Emkay]

I keep getting accepted for everything.  I don't know where the limits are.  I know people that have been approved for Citi cards with 20 INQ's on EX though...and according to the FT crowd that isn't possible...except that it is.

could be when you have a CS >800 then things are a little different

[benjie1305]

That doesn't make him "not eligible".

+100