Author Topic: question with three browser method (Read 135469 times)

kivabb · « **Reply #360 on:** September 14, 2011, 02:08:48 PM »

Last time I did a personal-biz 3BM, I got 2 pulls. I know it's a YMMV but don't want to try again.

Besides, I just did 3BM on personal Amex cards so like to wait 90 days in between.

What are the 3 best offers for Amex biz now? Biz Gold for 50K (after $10K spend), Biz SPG with 10 (15K after $15K spend) and .... (it has to be no more then $1K spending because first 2 will be tough to fill) ?

Thanks

Dan · « **Reply #361 on:** September 14, 2011, 02:15:48 PM »

Quote from: kivabb on September 14, 2011, 02:08:48 PM

Last time I did a personal-biz 3BM, I got 2 pulls. I know it's a YMMV but don't want to try again.

Which bank?

kivabb · « **Reply #362 on:** September 14, 2011, 09:59:29 PM »

I had applied for Amex SPG, Amex Gold and SPG Biz and Experian made 2 pulls.

Any suggestions on 3rd Amex biz or should I stick with 2 I stated below?

AJK · « **Reply #363 on:** September 14, 2011, 11:17:15 PM »

Quote from: Saver2000 on September 13, 2011, 11:54:37 PM

I would like to start building business credit so I will probably use ein number but I will still be selecting sole proprietorship. Will this result in one pull? If not, which way would cause only one pull?
Thanx

Honestly, I'm not quite sure. There have been reports that applying for a business card along with two personals may result in two pulls. I think the safest (but by no means guaranteed) way would be to apply for three personals at the same time.

dans fan · « **Reply #364 on:** September 22, 2011, 10:19:27 PM »

does anyone have ex with chase doing 2 pulls for biz and per, doing the 3bm

moko · « **Reply #365 on:** September 22, 2011, 10:31:57 PM »

yes it happened to me

Yellow · « **Reply #366 on:** October 05, 2011, 04:51:47 PM »

Has anyone ever successfully applied for four cards from the same bank at the same time?

Nitantnel · « **Reply #367 on:** October 05, 2011, 07:58:15 PM »

with Chase even three is hard, they want to know why you need so many cards. Unless you get instant approval -- which i don't know if it's possible with a 3BM at chase -- you will have to deal with that stump.

Yellow · « **Reply #368 on:** October 05, 2011, 09:21:00 PM »

Quote from: Nitantnel on October 05, 2011, 07:58:15 PM

with Chase even three is hard, they want to know why you need so many cards. Unless you get instant approval -- which i don't know if it's possible with a 3BM at chase -- you will have to deal with that stump.

I see.... Well maybe i'll try four and see if any get approved. Worst case scenario is that i'll only be able to push through 1 or 2

AsherO · « **Reply #369 on:** October 05, 2011, 09:50:11 PM »

Quote from: PC on October 05, 2011, 09:21:00 PM

I see.... Well maybe i'll try four and see if any get approved. Worst case scenario is that i'll only be able to push through 1 or 2

Not a good idea, the more you apply for the mode suspicious you seem.

AJK · « **Reply #370 on:** October 05, 2011, 10:35:14 PM »

Quote from: AsherO on October 05, 2011, 09:50:11 PM

Not a good idea, the more you apply for the mode suspicious you seem.

Assuming you use the APPID with Recon, why would it make you look more suspicious?

AsherO · « **Reply #371 on:** October 05, 2011, 10:48:43 PM »

Quote from: AJK on October 05, 2011, 10:35:14 PM

Assuming you use the APPID with Recon, why would it make you look more suspicious?

Even with that method they sometimes see your other apps. When you apply for lots of cards at once it's a risk factor because they interpret it to mean that something may have happened that you suddenly need lots of credit (e.g. you lost your job).

AJK · « **Reply #372 on:** October 06, 2011, 12:02:13 AM »

Quote from: AsherO on October 05, 2011, 10:48:43 PM

Even with that method they sometimes see your other apps. When you apply for lots of cards at once it's a risk factor because they interpret it to mean that something may have happened that you suddenly need lots of credit (e.g. you lost your job).

I know the risk factor. But, in the times I've called Chase using APPID's they didn't mention the other applications at all. I guess as always, YMMV.

AsherO · « **Reply #373 on:** October 06, 2011, 09:57:24 AM »

Quote from: AJK on October 06, 2011, 12:02:13 AM

I know the risk factor. But, in the times I've called Chase using APPID's they didn't mention the other applications at all. I guess as always, YMMV.

It's definitely only sometimes, I was just warning ppl who might think calling with their appID is a free pass, it's clearly YMMV.

S G · « **Reply #374 on:** October 07, 2011, 04:31:41 PM »

I did a 2 BM with Chase (Hyatt and Freedom). Both got rejected. Called Chase and got Hyatt approved. I am currently waiting for the 2 nights to post on my account, they have already charged $75 fee on my account.

Once the nights get posted to my account can I get the Hyatt card closed and get Freedom approved? I will be more than happy to part with the annual fee I have paid for Hyatt if I can get Freedom approved.

RANDOMONE · « **Reply #375 on:** October 08, 2011, 05:51:42 PM »

question: how can i know how many inquiries hit my credit when i did a 3 browser method?
also i did the 3 chase cards now(Continenal, UA, Saphire preferred) and got instand approval on UA but it popped up that i made a mistake on app for both the saphire and CO and i quickly made the change and submitted all within 30 sec, amd got reply for both wait 10 days... do you think i just got 3 inquiries $:-\$ ?

AJK · « **Reply #376 on:** October 08, 2011, 10:57:43 PM »

Quote from: RANDOMONE on October 08, 2011, 05:51:42 PM

question: how can i know how many inquiries hit my credit when i did a 3 browser method?

Get a copy of your three-bureau credit report?

Quote

also i did the 3 chase cards now(Continenal, UA, Saphire preferred) and got instand approval on UA but it popped up that i made a mistake on app for both the saphire and CO and i quickly made the change and submitted all within 30 sec, amd got reply for both wait 10 days... do you think i just got 3 inquiries $:-\$ ?

No way to tell for sure, but I can say 30 seconds is not the end of the world. Only way to find out is to get copy of CR.

Quote from: S G on October 07, 2011, 04:31:41 PM

Once the nights get posted to my account can I get the Hyatt card closed and get Freedom approved? I will be more than happy to part with the annual fee I have paid for Hyatt if I can get Freedom approved.

Pretty hard to say on the information provided; FWIW, Chase has been known to give denials for opening too many accounts in X period (despite maintaining the exact risk exposure).

DovidR · « **Reply #377 on:** October 09, 2011, 07:41:15 AM »

Quote from: S G on October 07, 2011, 04:31:41 PM

Once the nights get posted to my account can I get the Hyatt card closed and get Freedom approved? I will be more than happy to part with the annual fee I have paid for Hyatt if I can get Freedom approved.

Once you paid the annual fee, why not hold onto the card?
You shouldn't need to close the Hyatt to get the Freedom. Worst comes to worst, ask for them to shift some of your credit line from Hyatt.

S G · « **Reply #378 on:** October 09, 2011, 09:27:05 AM »

Quote from: DovidR on October 09, 2011, 07:41:15 AM

Once you paid the annual fee, why not hold onto the card?
You shouldn't need to close the Hyatt to get the Freedom. Worst comes to worst, ask for them to shift some of your credit line from Hyatt.

I have a 5K credit limit on Hyatt which is the minimum required as per chase agent and they said that is the max they can do at this point. So I was thinking about closing this card. But I think I can speak to another agent and try to get it approved without closing Hyatt.

Thanks!

Saver2000 · « **Reply #379 on:** October 09, 2011, 09:39:15 AM »

Quote from: S G on October 09, 2011, 09:27:05 AM

I have a 5K credit limit on Hyatt which is the minimum required as per chase agent and they said that is the max they can do at this point. So I was thinking about closing this card. But I think I can speak to another agent and try to get it approved without closing Hyatt.

Thanks!

5k is the minimum amount needed in order to open the card. Once the card is open, the credit line can be lowered/u can shift some credit from it to a different card.