Let's fast forward 6 months to 1 year

For just about anything you want to get off your chest about credit cards.
marlonbishop
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Postby marlonbishop » Thu Aug 21, 2014 1:44 pm

popamode72 wrote:Yeah as I said in another thread you seem to have some really nice cards already. The Freedom was one I had wanted for a very long time that I'm going to try to go for once Chase gets more comfortable with me and my spending habits.


Good luck with that! i don't even know how chase approved me for 2 CC in the same month. but I'm happy!
BoA Cash Rewards $4000
Macy's $1000
Discover it $5000
Chase Sapphire Preferred $5000
Chase Freedom $2000
Amex Green NPSL
Amex Gold Premier Rewards NPSL

Find me on MyFico: Sapingo (if you see me say hello)!


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nismoZtuner
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Postby nismoZtuner » Thu Aug 21, 2014 2:28 pm

marlonbishop wrote:thats true for a hard pull its better to get a new benefits on a new credit card.


and a good sign up bonus!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

popamode72
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Postby popamode72 » Thu Aug 21, 2014 2:49 pm

marlonbishop wrote:Good luck with that! i don't even know how chase approved me for 2 CC in the same month. but I'm happy!


Oh yeah. Had no idea you could do it that quickly. How long did you wait? Assuming the Amex stuff I got this month is backdated and some of my other inquiries have less of an impact on my score, I think the earliest I can go for it again would be in October.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

marlonbishop
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Postby marlonbishop » Thu Aug 21, 2014 2:51 pm

popamode72 wrote:Oh yeah. Had no idea you could do it that quickly. How long did you wait? Assuming the Amex stuff I got this month is backdated and some of my other inquiries have less of an impact on my score, I think the earliest I can go for it again would be in October.

i called half hour at most after i applied
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

marlonbishop
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Posts: 85
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Location: Florida

Postby marlonbishop » Thu Aug 21, 2014 2:52 pm

nismoZtuner wrote:and a good sign up bonus!


Yeah.. i need 1k more to go and i get my 40,000 points!
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

popamode72
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Postby popamode72 » Thu Aug 21, 2014 2:55 pm

marlonbishop wrote:i called half hour at most after i applied


I see. I was so unsure about my chances with Chase that I also apped for the Chase Amazon Visa and got declined because I made that app right after I did my Southwest app. Now that my foot's in the door, do you think I should recon that in a couple of weeks? Ideally I'm just gonna forget about that card and go straight for the Freedom later on especially since the Sallie Mae Mastercard sounds better for Amazon purchases.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MemberSince99
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Postby MemberSince99 » Thu Aug 21, 2014 4:31 pm

If you really don't want the card, then don't recon it. Otherwise don't wait recon it now if you do want it. You did burn an inquiry (or two with Chase) to go for it, and possibly it could be PC'd or the limit transferred to another card later on down the line. Your call though if you want it or not. If you do, I'd suggest getting on the phone with their analysts as soon as possible.

popamode72
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Postby popamode72 » Thu Aug 21, 2014 4:55 pm

MemberSince99 wrote:If you really don't want the card, then don't recon it. Otherwise don't wait recon it now if you do want it. You did burn an inquiry (or two with Chase) to go for it, and possibly it could be PC'd or the limit transferred to another card later on down the line. Your call though if you want it or not. If you do, I'd suggest getting on the phone with their analysts as soon as possible.


I'll think about it though I don't know how Chase PCs work or whether cards like the Amazon Chase Visa are even eligible for that. My logic at the time is that I thought maybe the cards have different approval chances and that was the main reason for doing it that way. For the Amazon one, I think they pulled from Equifax which has less inquiries than my Experian report. Either way, I'm in with Chase after several attempts of trying and couldn't be any happier about that itself.

EDIT: Went through with it and understandably didn't get it even though the person I talked to was really nice. Mainly because they just want to see how I manage this account first and also due to inquiries and opened accounts pretty much. I think the biggest positive about what happened is that I can wait a long while and always try again for a better card with them anyway down the line. BTW, I really like their customer service for the most part. The person I talked to put me on hold so I can talk to someone else about the VISA Signature program and the benefits of my card. As long as they're not gonna close the card I just got, I'm feeling pretty great.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

marlonbishop
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Postby marlonbishop » Thu Aug 21, 2014 5:59 pm

popamode72 wrote:I'll think about it though I don't know how Chase PCs work or whether cards like the Amazon Chase Visa are even eligible for that. My logic at the time is that I thought maybe the cards have different approval chances and that was the main reason for doing it that way. For the Amazon one, I think they pulled from Equifax which has less inquiries than my Experian report. Either way, I'm in with Chase after several attempts of trying and couldn't be any happier about that itself.

EDIT: Went through with it and understandably didn't get it even though the person I talked to was really nice. Mainly because they just want to see how I manage this account first and also due to inquiries and opened accounts pretty much. I think the biggest positive about what happened is that I can wait a long while and always try again for a better card with them anyway down the line. BTW, I really like their customer service for the most part. The person I talked to put me on hold so I can talk to someone else about the VISA Signature program and the benefits of my card. As long as they're not gonna close the card I just got, I'm feeling pretty great.


(amex is one of my goals after my scores from TU and EX are significantly higher). Yet i don't get why chase wont approve you for the Freedom when you have a couple of amex. :(
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

popamode72
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Postby popamode72 » Thu Aug 21, 2014 6:02 pm

marlonbishop wrote:(amex is one of my goals after my scores from TU and EX are significantly higher). Yet i don't get why chase wont approve you for the Freedom when you have a couple of amex. :(


I went for the Freedom before trying anything with Amex actually and I don't think I'm in a rush to get that card right now anyway because of what they're doing with their rewards on that card. I've been able to not have new inquiries on my TU credit report for a few months now, so more and more, the Sallie Mae Mastercard is looking way better in that sense and I know Barclays usually pulls TU so that's one option I'm considering for next year once I get all my accounts to age a lot more. 5% cashback every month for the first 250 bucks in gas and groceries sounds amazing and I heard it's a better card for Amazon than Chase's Amazon card itself.

I'm rethinking priorities and I'm just glad to have a high limit card that's not with Amex that I can use to pay for those kinds of bills that don't take Amex among numerous other things.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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