Warning: Don’t apply for too many Chase credit cards

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I had my toughest call with the Chase credit card reconsideration department a few weeks ago, and I’ve decided to be very selective with my Chase credit card applications.

Hey, there must be a pretty good reason if Gary from View from the Wing isn’t maxing out the Chase offers!

A few weeks ago, I applied for the Chase Southwest credit card which offered 50,000 points ($833 in flights), because it was the best sign-up bonus, in my opinion, for domestic travel.

Since I have 3 other Chase cards (the Chase British Airways, Priority Club, and United business card), I expected to get a denial letter in the mail.

I wasn’t worried, because as I explained in an earlier post on Why The Chase “6-Month Rule” Is a Myth:

Most banks set a limit on the TOTAL credit amount which they will extend to you.  This limit is based on the bank’s internal risk-taking (or underwriting) policy, your income, length of credit history, and other variables on your credit report.

You may reach this total limit with 2, 3, or 4 or more credit cards, depending on the credit limit assigned to each credit card.

Sure enough, I got a denial and the reason was “Too many requests for credit or opened accounts with us”

No problem, I’ve counseled many folks on how to call credit card reconsideration analysts and get approved for credit cards so I wasn’t worried.

I logged into my Chase account online so that I could see my current accounts, and had a copy of my credit report with me.  I then called the “secret”  reconsideration line and was immediately speaking with a credit reconsideration analyst.

Chase Reconsideration Call

Me: Hello!  I recently applied for the Chase Southwest credit card and was wondering if there was any way to get that approved?  I’m a long time Chase customer and I know that I have very large credit lines with Chase.

(I let the rep know immediately that I am an existing Chase customer with large credit lines, so that the rep can classify me as an existing creditworthy customer)

Analyst: Sure.  Let me take a look.  What’s your reference number?  Ok, let me put you on hold.

Me (thinking): This is going to be a cakewalk!

Analyst: It looks like there is a lot of activity on your credit history.  You’ve opened 7 accounts in the last 2 years with Chase.  Is there a reason why you need so much credit?

Me: *I knew immediately that this wasn’t going to be an easy call!*

I don’t need the credit, in fact you’ll notice that I always pay off my balances and have never missed a payment.  My…

Analyst (interrupts): It is concerning that you have so much credit bureau activity and you’ve closed quite a few accounts as well.

Me: I can see why that is concerning.  I moved from Chicago and I didn’t need my Continental Airlines personal and business cards anymore because Continental doesn’t have good service from my airport.

In fact, that’s one of the reasons why I want the Chase Southwest credit card since Southwest has great flight availability from my airport.  I also applied for the Priority Club credit card recently, because it is one of the preferred hotel groups for my company.

And I cancelled my United Economy Plus credit card because the annual fee was too much and I already had a United credit card.

(I truthfully explained why I was opening and closing credit card accounts, that didn’t reference the huge sign-on bonus.  I was trying to show the analyst that I wasn’t applying for credit cards because I was broke or just for the sign-on bonuses.)

Analyst: Let me see what I can do.  *Places me on hold*

Me (thinking): Almost there!

Analyst: Unfortunately, I’m not going to be able to approve you right now.  Your activity is troubling, so try again in 3 months.

Me: *Trying hard to not sound surprised*  Sure, fair enough. It is what it is.

(In my experience, being calm and agreeable when someone conveys bad news almost always gets you respect and reconsideration, because most folks give up or argue rudely when confronted with bad news).

But I also wanted to let you know that I’ve been a Chase customer for over 10 years, and I’ve recently been putting a lot of expenses on my British Airways card.  And I’ve never missed a payment with Chase or anyone else.

(I wanted the analyst to know that I was a long time loyal customer, and that I was putting a lot of spending on my British Airways credit card to qualify for the Companion Pass which would let me have 2 award redemptions for the price of 1.  The credit card market is saturated, and banks like customers who spend a lot on their credit cards).

What would you suggest I do?

(A person is more likely to pursue a course of action if he or she believes it is THEIR idea.  I wanted to see if the rep would suggest closing a credit card or transferring credit from an existing card).

Analyst: *Puts me on hold again*  Well, we can do a line exchange.

Me: What’s that?

(I know what a line exchange is, but want the analyst to explain it to me so that the analyst feels important and more committed to the solution he suggested).

Analyst: We reduce your credit line on an existing credit card and transfer that line to your new credit card.  How much would you like to transfer over?

Me: You can transfer $7,000 from my United credit card since I don’t use that very much.

Analyst: *waits for system to approve the line transfer*  Ok, you’re all set now.  You’ll receive a letter in the mail in 5 to 7 business days.  Thanks for calling Chase.

Me: Thanks!  That’s why I’ve been a Chase customer for more than 10 years.  Have a good day.

Lessons Learned:

Chase is getting serious about not approving applications if there is a pattern of opening lots of reward credit cards.  Chase currently does not give you the bonus on a credit card again if you already received the bonus earlier, unlike Citibank and American Express.

You may be able to get 3 or 4 Chase cards approved in a short period of time, especially if you don’t have a lot of Chase credit cards.  But, it gets harder in future years, as Chase can see your history of opening and closing accounts.

As Mommy Points wrote earlier on the same topic, Chase issues a lot of reward cards (Priority Club, Marriott, United, Southwest, Hyatt etc.) so you really don’t want to be on their blacklist.

And they have blacklisted folks from applying for credit cards.

Bottom Line:

I’m going to be very selective with my Chase credit card applications and limit myself to 2 to 3 applications a year with Chase.

It is VERY important to only apply for a Chase card with a high sign-up bonus, since you will NOT be able to get the sign-up bonus on that same card type again.

For example, I would NOT recommend applying for the current Chase Southwest Airlines credit card which offers only 25,000 points since there were 2 better offers earlier this year.  I’d wait for a better offer.

Now, here’s hoping that the Chase Sapphire Preferred will increase the sign-on bonus as it battles it out with the American Express Premier Reward Gold card!

Large credit card bonuses lets us all have Big Travel with Small Money!

What have been your experiences applying for credit cards with Chase?  Tell us in the comments.

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130 responses to “Warning: Don’t apply for too many Chase credit cards

  1. I always get declined by Chase due to the number of accounts, recent inquiries, blah, blah, blah, but am always approved when I call and offer to transfer lines of credit as they did for you. In fact, I was just approved this way for the Chase Sapphire Preferred and Freedom cards, and I applied for both the same day. YMMV

  2. Good post, I’ve experienced this as well. Can’t seem to get over 3 cards with Chase, and/or about $1200 in credit.
    Have a great credit score, but not a real long history. Had CONT, PC and BA cards, and needed to close CONT to get approved for Sapphire recently.

  3. Interesting experience. My wife and I both applied for the Sapphire Preferred for the 50,000 point bonus. We both have BA, Hyatt, SPG, etc and I also have an AMEX Centurion.

    She was approved immediately while I was told it was going out for review. Yesterday I got a letter from Chase that I figured was a decline that would require me calling. Instead, they explained that they took the initiative to reduce my credit line on one of my cards that they contended I don’t use that much and transferred it to the new Sapphire card, which I would receive in a few days. I guess it saved me a call but I had not heard anyone else reporting this action.

  4. i got locked out at chase for a while during the initial run of the ba 100k promo. id been churning aa card and they said i had too many enquiries and that they could not reconsider. tried calling mutliple times. i think they have loosened up a bit recently but i remain cautious as you point out they run a lot of cards and a lot of good promos and its good to be on their side

  5. I had the same experience as you did. Got my first Chase card 22 years ago (and still have it) and have been allowed five cards (currently have) with an income of less than $35,000/year. It surprises me every time they approve another card. I got the Southwest one by closing my United card (I also have the Continental) But getting the Southwest card put me through the nerve ringer so I am going to cool it.

  6. Yowzers, congrats on getting it approved in the end. That doesn’t sound like a very pleasant phone call! Thanks for sharing your experiences. I think there will be a lot of us sitting on the Chase sidelines for a little while. 🙂

  7. Had a chase UA for years and recently added BA then Sapphire. Just went for Hyatt and the card just showed up with an $18,000 limit. Funny thing is they called a month ago when I went for the Sapphire, made me reduce my UA limit, but now I get the Hyatt and an increase in total credit exposure without a peep. Weird.

  8. Hyatt, Continental, Priority Club, British Airways, and Southwest all since Jan. 2011. Rejected last week on the Sapphire, reconsideration fail. Fail! Could not believe it! I will wait another 60 days and whack it again.
    I have the miles, don’t need the credit lines, and am not applying for a mortgage in the next 2 years so good to go to blacklist if necessary.

    • @Carl – It is easy at first to call the reconsideration line and get approved for Chase cards, but my experience and others’ suggest that Chase keeps close tabs on the number of reward cards you apply for.

      @n/a – Thanks for the reminder that the length of your credit history is also a determining factor in credit card approvals.

      @Steve S – Very interesting experience, which I haven’t heard before. It could be because you have a long history with Chase and your spending history puts you in the top tier of Chase customers. Thanks for sharing!

      @phil, @Linda, – I agree with you – much better to go slow, but still be in the game with Chase, than to go fast and risk being blacklisted. Thanks for sharing!

      @Mommy Points – I really wasn’t expecting to not get approved for the card. I’m going to dial back the Chase applications now.

      @Brian(J) – Very strange indeed. I’d love to have access to the algorithm which makes these decisions!

      @bob – Sorry to hear about that. Let us know how it goes when you call back. In my experience it is easy getting the first few Chase cards approved, but it gets harder with each application.

  9. Just received an offer from Chase in the mail for a Chase Sapphire card with a 100,000 point sign up bonus and no annual fee. You have to go through Ultimate Rewards to use your points. I’m wondering if it is worth it? Here is some info:

    Transfer Your Ultimate Rewards Points

    Transfer your Ultimate Rewards points at full value to participating frequent traveler programs with select Chase SapphireSM and Ink from ChaseSM cards. For example, say you have a balance of 89,000 British Airways miles and want an airline ticket to London that requires 100,000 miles. Simply transfer 11,000 Ultimate Rewards points to your British Airways account to make up the difference.

    Travel Partners:
    •British Airways
    •Continental Airlines

    • @joe – This is a TERRIFIC offer and you should seriously considering applying for it. You can transfer these points to partner hotels like Hyatt or Marriott or to partner airlines such as BA or Continental. The top hotels at Hyatt (Paris, Maldives, etc. which sell for $800+) cost 22,000 points a night, so you’ll get close to 5 nights if you transfer to Hyatt. 100,000 miles is a business class ticket to Europe on Continental or BA. Or if you prefer you could redeem for $1,000 in gift cards or $1,250 in travel through the ultimate rewards portal.

      I wrote a review on the Chase Sapphire preferred, which also looks at the transfer options.

  10. My neighbor received the same offer as above (100K Chase Sapphire) and is not interested in it – any way in which I can use his invitation code?

  11. Nice jedi work. These are not the droids you’re looking for.

  12. I got declined for the Southwest Business card for the same reasons. I called and the worked the rep about as hard as you did. He said it was approved. Yesterday I got a declined letter. I need to call back see what’s up.

  13. Go to your online chase interface and see if the card is showing.

  14. I’m very impressed with your reconsideration call patience and psychological techniques.

    I like that you didn’t get upset when he came back from hold the second time, and told you it was declined. For most people, that would have been the end of the road. Other folks may have either given up, or gotten fiery, at that point. Reminding him of your Chase relationship, and asking him what he suggested, was a smart play.

    I like your style, D! But I’ve already told you that before. 😉

  15. I received my denial letter for the Southwest card on 8/17 for “too many request for credit or opened accounts with us.”
    My background: I am new to Chase. I opened the BA card in April and the Continental card in May. I waited until the final business day to apply for the chase card (while simultaneously applying for the two 75K Citi AA cards, which were both instantly approved, by the bye).
    It was time to call. I was immediately asked my reference #. I then asked, “since I would like to be re-considered, I am wondering if there is anything that you can do?” Rep said, “You have reached your credit limit with the two other cards so if you would like I could simply lower the two active card and re-submit.” “Sure, that would be great,” was my reply. I listened to some catchy music and was then told I was approved.
    Total call time was 7 minutes.
    Great piece; great blog and my result shows that you do not have to be a long time loyal Chase customer.

    • @Jeremy – I don’t think the invitation codes are transferable, but you could always try calling in with that invitation code and see what happens.

      @bluto – Ha!

      @Jim – That’s strange. I wonder what happened. Does it show up in you online account?

      @bob – Good point!

      @Chris – Spot on. 🙂

      @Yes! – Thanks for sharing. You don’t have to be a loyal Chase customer to get approved for the first few Chase credit cards, but they start grilling you (in my experience) when you keep on opening Chase accounts. Gotta love that catchy music!

  16. I’ve received 4 cards from Chase this year and I’m doing the same as you. No more for me this year. I need to slowly cancel these ones as their first year comes to a close and then see what next year brings. Thanks for the reminder. It’s tough though because Chase has alot of the offers. Need to sit with Citibank & Amex right now. Probably BofA too!

  17. I have a question regarding the first time cardholder for sign-up bonus, if you are already an authorized user on your partner’s(primary cardholder) card, do you still be considered as first time cardholder for sign-up bonus when apply the same card under your name?

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  19. Thanks so much for sharing your experience! This is very helpful as I am currently considering several Chase offers and I will have to apply selectively.

    I also received a targeted 100K bonus Sapphire offer in the mail, but note that mine is for Sapphire, not Sapphire Preferred…

  20. I applied for my 3rd chase in 4 months, called the reconsideration line to get credit moved from one card to another, but they didn’t want to do that. They insisted I close one of the previous 2 cards, because of an arbitrary “limit.”
    I wasn’t prepared for this, so I said I would think about it and call back (CSR roulette). I got the same answer the 2nd time, so went ahead and closed a previously approved BA Chase card (one of the previous two), even though I paid the annual fee for it.

    I even gently pointed out to the CSR that they would still be approving me for 3 “new” cards within 6 months, even if I closed one of the previous two cards. She had no response to that, but I supposed thinking isn’t allowed in a CSR job LOL.

  21. I have one Chase card (Continental) that I got in June. I applied for the 50,000 Southwest card on the last day of the offer. Got a “30 day” message. Figured I’d wait for the denial since it appears I need the reference number. About a week ago, got a call from the “Chase Fraud Department” to verify that I indeed applied for the card – asked me a bunch of questions about my credit report and then said everything was great. I asked if the card was approved then, and he said it was “pending” because my Rapid Rewards number was being verified by the system. I asked what the heck that meant, and he said “it means your Rapid Rewards number has not been verified yet.” Well, thanks for that. Nothing since then! I had the Southwest Visa with chase in 2004 and I think I got a 16 credit bonus then… We’ll see how it goes…

  22. Hi D,

    Hopefully you can help me out here I just signed up for the Am Ex SPG 30K and the Gold Premier Rewards 15K card as well as the Chase Sapphire Preferred 50K bonus cards , and my wife is eager to sign up, is there anyway you can get me access to referral links for those cards or if there is any available? Not trying to use it for anyone else but getting my wife signed up. It seems that the referral links are targeted as well which I think is ridiculous, let me know if you know any secrets

    Thanks I enjoy your blog!

  23. I don’t think an individual can get referral bonuses for the Chase Sapphire Preferred card.

    • @Jade – If you’re new to Chase, you may be able to get more credit cards approved. It seems like it becomes harder afterwards. But, as always, it doesn’t hurt to have standards! You may be able to convert the Sapphire to a Sapphire Preferred, but I’ve only read a few reports on folks doing that.

      @MJLouise – I can understand assigned a limit to the outstanding credit, but I don’t understand why they want to limit the number of cards you can have. It makes no sense to me! Thanks for sharing.

      @KateFromCA – You could call the reconsideration line and check the status of your application. I’ve called before, when I haven’t heard from Chase and have got them to manually process my card. Please let us know if you get the bonus again – I’m curious if the current Southwest card is considered a new product and so gets you the sign up bonus again.

      @LJ – MJLouise has shared links for the referral below. Just be sure to check that the offer which your wife gets is the best available offer. There were reports that some SPG referrals didn’t have the lower spend requirement. I don’t know of any referrals for the Chase Sapphire Preferred credit card.

      @MJLouise – Thanks for helping out!!

  24. For those who are targeted for the Chase Sapphire Preferred 100,000, offer, that is as sweet of a deal as you can get right now (alongside other limited time 100k offer, such as the past BA 100k miles offer).

    Even if you don’t plan to use them for miles or gift cards, you can redeem them for $1,000 cashback (check) through Ultimate Rewards. Granted, that’s not the best use of the points if you have a lot of travel plans. Even if you don’t have the travel plans, it’s like Chase is giving you $1,000 to use the card. It’s pretty awesome when you put it that way.

  25. Just called and was told I was denied because I had recently applied for too many accounts (not with Chase, I only have one cc with them). I have AAdvantage Visa and Amex (personal), AAdvantage Visa business, Chase Continental, SPG Amex, and Membership Rewards Amex that I got this year.

    I offered to cut my credit limit on my Chase Continental cc (credit limit of $14,0000) but she wouldn’t bite. I asked if closing the card would help, and she said no. She said because I had so many new accounts, I was a high risk. I have a credit score of 760, long credit history, and absolutely no missed payments of any kind… I guess I need to cool it on Chase cards…

  26. What about applying for the Chase Priority club rewards card with 30,000 points after first purchase? is that good offer to sign up for?

  27. Thanks Darius for this very well written and timely post and for thanks to your M/M readers for generously sharing their Chase experiences. Want to share our minor success story due to your M/M blog. Applied for the SW card per your earlier M/M post touting this card as very useful for domestic travel. (SW just purchased Air Tran, so living in Atlanta–we hoped to be able to take advantage of this cards generous bennies). Rcvd the declination letter last Saturday. Called early Monday and the CSR said since I had opened seven Chase accounts within the last year (closed a few too) there was nothing they could do. I asked to lower one of my card’s limits–got a firm no. Resigned, that I gave it a go, then filed the Chase declination letter. However, low and behold, read your post yesterday, digested, your very detailed, step by step, easy to read advice to ask for Chase’s reconsideration. Decided to call the Chase reconsider line (phone# you provided above) more time. Got through (10 min ago to)a very courteous CSR, told her I understand I got declined for too many inquiries, but politely asked for her to consider a line exchange on my Hyatt, BA, Priority or Chase Sapphire cards. Viola got appvd as we halved the Hyatt credit limit so I will now get the SW card.

    • @BOShappyflyer – I completely agree, and how I wish Chase would target me with the 100,000 point offer!

      @KateFromCA – That’s no good, but a good reminder that Chase is looking at credit activity closely. Perhaps calling again might help?

      @hs – I wouldn’t apply for the Chase Priority Club Visa with 30,000 points because there is another offer for 60,000 points.

      There is an even better offer for 60,000 points which you may be able to get by signing up for a Priority Club account and opting in to receive emails. I value Priority Club points at 60 cents a point, so 30,000 points means a $180 value is not very good. I signed up for the 80,000 targeted version of the card, and I love the free night certificate which comes with the card every year, which makes the card worthwhile to me.

      @Wes – This post is helpful because folks generously share their experiences in the comments which lets us refine our tactics! Congratulations, and thanks for taking the time to share your success, which will be an inspiration to others to call back and ask politely for reconsideration.

  28. Thanks! Also on that link it doesnt show that you get 60,000 is still the right one? I appreciate your quick response. You are so helpful.

    • @hs – Click the link at the bottom of the page which says “bonus points.” It should confirm that this is for 60,000 Priority Club Points. You could also google for a 60,000 point offer, though I recommend waiting for the targeted 80,000 point offer.

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  31. @Steve S on Aug 18 I had almost the same experience except I didn’t get a letter telling me they reduced credit on my other cards and applied it to my new Southwest card. I only found out when I noticed the Southwest card was listed under my online profile before I received the card :o\

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  33. Just got the actual denial letter in the mail, called them again, this time with the reference number. Much nicer analyst this time – after grilling me about my credit history (basically, same questions that this article describes), they asked me how much of my Continental (my only Chase card) credit line I wanted to move over to the new card (the analyst said it was entirely up to me how I wanted to split it), put me on hold for 5 minutes, and the card was opened! Thanks for the tip and the suggestion to call back multiple times, to get a more agreeable analyst.

    One note – she said the main concern was that my Continental card was opened within 6 months (according to my records, I applied May 17th) and that’s why they were “concerned about too many new requests for credit”. So, perhaps there is some truth to the 6-month rule?

  34. I just got a denial letter, called to have it reconsidered and was denied again. They refused to do a line exchange and stated the reasons because I just opened my Sapphire card and they wanted to see payment history before approving another card. Anything further that I can do?

    • @Steve – Do you have any other credit cards? If so, tell them to look at your credit report to see that you’ve never missed a payment and have handled your debt responsibly. Was this the first Chase card you applied for?

      I would call the reconsideration line again and speak to a different rep. I wouldn’t mention speaking to a rep earlier (unless the rep brought it up. Good luck!

  35. Hi Darius,

    I was denied for the United Explorer Card for ‘too many inquiries’. I called the reconsideration line three times, but I was told they could not consider moving credit/cancelling a card since I had too many inquiries in the last year, not just with Chase but with others as well. I am therefore a risk.

    I then wrote to their secure messaging center explaining that I had a good credit score, long history with Chase, held credit cards for ten years, never been late with payment, no debt, live near a United hub and so on and so forth. Within an hour I got an email back saying that they still could not reconsider.

    The tone of the CSRs and the fact that their email was a form letter and not even signed, led me to believe that my account has somehow been red flagged. They seemed completely unwilling to discuss it. I would have written to a mailing address like folks do for Citi cards- i.e., if I can find the right department- but somehow I think I’m going to get the same automated response.

    What would you recommend I do? Should I forget about it? Should I persevere? I’m afraid that if I do they will not only keep any existing red flags, they will also annotate my account with ‘hang up when high-risk crazy lady calls.’

    Looking forward to your advice!



    • @Sushma – I don’t know how many inquiries you’ve had in the past 2 years, so can’t be too specific. That said, did you try calling at different times or weekend vs. weekday? That’s usually helped me. Also, have you spent a lot on your other Chase cards or have a long banking relationship with Chase? If so, you may want to let the rep know about that again.

      I would try once more and then move on. You don’t want to risk them flagging you!

      @Nathan – You could try calling again at a different time or day and see if it makes a difference. Nice pics of Mongolia, BTW!

  36. I had much the same issue as Steve. I have excellent credit, but have opened two Chase cards, the United and Saphire Preferred, in the last 3 months, but they denied the Chase Freedom and the line exchange. I even opened a Chase Checking account and deposited $1,500 to max out the rewards on the freedom. I called back yesterday and was told by this rep that he would have gladly approved me yesterday, but now wince my reconsideration was denied he cannot reopen my application. What a bunch of BS. The woman yesterday was very stern with me opening 9 credit cards this year. Now I have to wait a few months, how ridiculous.

  37. Update: just got my first Southwest cc statement and the 50,000 bonus points!

    Two data points:
    1. I opened a Southwest RR 1.0 Chase credit card in 2004 (and got a welcome bonus of, I believe, 16 credits) and closed it in 2008, yet I still got the “first-time” bonus with the most recent card.
    2. The 50,000 points did count towards the Companion Pass qualification! My understanding is that bonus points will not be counted towards the Companion Pass qualification from 2012 and on, but as 2011 is a transitional year between RR 1.0 and RR 2.0, they do for this year.

  38. Thanks for your insights.

    I applied for the Chase United and Sapphire Preferred cards on the same day at the end of August. Initially got the rejection letter, but I called and got immediate approval for the United card ($20k credit limit), they said that they would need a few more days for the Sapphire Preferred. I had to call a total of 3 times for the approval.

    At the end of September, I applied for the Continental Presidential Plus card online. That day, I read your posts. I called Chase the next day to tell them why I wanted it (club access, no foreign transaction fees, Avis and Hertz status, EQM). The agent said that she thought it would be approved, but I got a rejection letter.

    I called the reconsideration line immediately. The agent said that I could not get another card and that I had to reapply a few months later. He was not at all helpful or willing to be flexible. I hung up and called again, and the second agent said that I could cancel one of my cards (United or Sapphire), but I would first have to pay off the balance. She was more helpful, but she was firm that I had to close one of my accounts. That day, I paid the balance on the United card, but additional charges posted because I use the card for automatic bill pay.

    I called Chase for a third time on the following day and asked for reconsideration. (I did not mention the two calls I made the previous day). I offered to rearrange my credit lines, and the agent put me on hold twice. She came back on the line and said that they had approved me for an additional $20k without rearranging any credit lines. Waiting for the card, but the new card has showed up on my Chase online account.

    My plan was to wait 3 months if this last agent didn’t reconsider my application. I was concerned that they might flag my application for calling the reconsideration line too many times.

    It seems as though the agents have great leeway in reconsidering your application. If you have excellent credit and have used your credit lines responsibly, so that might make them take a second look. That said, I am not planning to open another Chase account for at least a year. I don’t want to get flagged or blacklisted. However, I will probably cancel the United card before my annual fee because there is little additional benefit in keeping it.

    I put most of personal expenses on my credit cards each year, and though I pay them off every month (and avoid interest payments), Chase will still get a good profit from my business over the years. I think that they realized that and decided to approve me for the cards.

    I am sure that each person’s experience will be different, but they probably want customers who have excellent credit, and I have found that persistence pays off.

    • @KateFromCA – Thanks for sharing! Chase doesn’t give the bonus for a second time on the same card type. I suspect that the RR 1 and the current offer were different card products/types and so you go the bonus again. I was hoping that the sign up bonus would count towards the companion pass in 2012. How did you learn that it would not count in 2012?

      – Thanks for sharing your detailed account! You’re right – persistence does pay off.

  39. @MMS: The following is the most detailed explanation of the transitional and future rules for Companion Pass I have found – the new program counts flight and partner credits but not flight or partner (not fully defined yet) bonuses, towards the Companion Pass starting in 2012:

    Transition: http://www.flyerguide.com/wiki/index.php/Category:Southwest_Rapid_Rewards#Transition_for_Companion_Pass
    Post-transition: http://www.flyerguide.com/wiki/index.php/Category:Southwest_Rapid_Rewards#How_do_I_earn_a_Companion_Pass.3F

  40. Pingback: Which Chase Credit Card to Apply For? - Deals We Like

  41. My husband opened a Chase Marriott Rewards Premier VISA in March (50,000 points). He put me as an authorized user so I received a card. Now I realize that I should have asked him NOT to do that so I can get my own card(s) and bonus(es). Does Chase count this card as my first card with them? If so, will it hurt or help if he calls them as asks them to remove me as authorized user?

  42. i was denied a chase freedom card a week after getting approval for the southwest rapid rewards card; now i’ve received a targeted offer in the mail for the freedom card 300$ after my first purchase, which was better than the other deal.
    first question is this worth it? would going for this bar me from any potential bonus deals over 300$ in the future?
    second question is: If I were to go for this, should i mail this in, or should i call a CSR and try to get accepted for the freedom card that I initially applied for? (same$ but 500 dollar purchase requirement) I would assume that it would prevent an additional credit lookup

    • @Char – Being an authorized user does not prevent you from getting the card and the bonus!

      @robert – Chase usually doesn’t let you get the bonus again (even if it is higher) if you have previously got the bonus for a particular card type. If you do want the card, I suspect calling the reconsideration line may prevent another credit pull!

  43. Thanks for this. I got my first Chase card rejection. Called the phone number listed here (which is different than the number on the rejection letter), got approved for the Marriott 70k card in a couple of minutes after explaining recent inquiries to my credit.

  44. As an authorized user on my husband’s VISA card, did that count as a hit or credit pull against me? In other words, will it affect me now that I want to apply for cards?

  45. Just got this denial for applying for a PERSONAL Chase SW 50K:
    “Too many requests for credit or opened accounts with us”

    I am and owner of a small business with my own EIN, I never had a chase business card yet, would it be wise to open a chase business card using my EIN or calling for reconsideration with my current DENIED personal card?.

    The only chase I currently have is the Chase Marriott rewards 70K Bonus that I never used yet.

    • @Char – As an authorized user, you can get the card ( & bonus) for which you’re an authorized user. Some banks do perform a credit inquiry for authorized users while some don’t.

      @Jason – I would call the Chase reconsideration line 1st for the denied SW Personal card and explain to them why you want the card. You can later apply for business cards with your EIN.

  46. Hi,

    I have applied for only 1 chase card so far, that too 5 years ago — United MileagePlus Select card. Yesterday, I applied for United Explorer 60k offer. Then immediately after (same day), I applied for Chase Sapphire 50k — I gambled to avoid multiple credit pulls. Since, it has been a while since I applied for a Chase card, I am hopeful that I will get approved for both. UA Exp was instantly approved, but Chase Sap went on review mode.

    Should I give them a call today or wait or what should I do?


  47. Thanks called the reconsideration desk, and it worked like a charm, my card is on the way, now I will apply for the SW 50K business card using my EIN.

    I wont be applying for any more Chase cards for along time..

    Thanks Again..

    • @Abhi – You could call the reconsideration line and explain why you want the Sapphire Preferred and how it compliments the United card you applied for. I usually wait 3 to 4 days before calling the reconsideration line after applying for a card. Usually, Chase automatically denies a second application within 30 days.

      @Jason – Glad to know it worked out. However, there is no current 50K offer for the SW business card. I’d suggest waiting until a better business card offer for Southwest comes along.

      • @Jason – Scratch that. The link to the Southwest Plus 50K business card is still working. You will most likely get denied when you apply, but you could get the reconsideration line to approve the card if you have a good reason.

  48. Thanks for your response, buddy. Perfect answer. I will do as you suggested.

  49. How do you get “reference number?” — based on the first question she asked you?

  50. I was declined for Sapphire… But, just spoke with rep and approved!! Wooo hooo….

    Also they did not change my credit limit on other cards as well, and gave me extra credit limit — my “consultant” talk worked. She was going to reduce my 14.5k limit on Select card and 17.5 k limit on Explorer card to 10k and 12k resp. to give me 10k on Sapphire :). But after 5 minutes of soft talking, I get to keep 14.5k Select and 17.5k Explorer … AND I was able to even bump Sapphire to 15k from 10k :). So, I now have 15k extra credit limit total, which was going to be 10k with -5k from other 2 accounts. Now I have 50k united points + other benefits from Explorer card AND 50k Sapphire points + other benefits WITH ONLY ONE CREDIT PULL 🙂

  51. Daraius – wanted to share my success story with you. I opened the Continental OnePass Plus card back last July. I then applied for the Marriott Premier Chase card this past December. I wanted to get in on the 60K Mileage Explorer offer before the OnePass Plus card converted, and so I put in an application a few days ago, even though it had been fewer than 30 days.

    I called the reconsideration line today, and was approved! I had to close the OnePass Plus card, but that’s OK with me since the card was going to convert later this year (I assume) anyways. So in this past year, I’ve managed to get 50K onepass miles, and now will be eligible for 50k united miles.

    Thanks for all your posts re: chase reconsideration!

  52. Pingback: Southwest Companion Pass | Million Mile Secrets

  53. I have had a Continental card for a couple years now (I travel for work). I recently applied for the United Card (and got 60k miles!).

    I also decided to test my luck and apply for the Chase Priority Club Card because I am short on miles for my vaction in May.

    (I currently have the United/Continental/Marriott/Amazon cards with Chase).

    I got denied and called the reconsideration line and after lowering my available credit on my Continental card, I was approved! Thanks so much for your blog!!

  54. This is a GREAT and very helpful post – got me reconsidered and approved for the Saphire card in minutes! Thanks!

  55. Pingback: Chase Ink Bold | Million Mile Secrets

  56. I typically use the same arguments that you mention in your article, especially the one about paying my credit card bills on time and in full. As i thought about that i was wondering if that might not be attractive to Chase. I belive the banks make more money from customers who don’t pay the balance off every month. Do you think it would be a better argument to say that you do carry balances every month but have never been late? What do you think?

    • @Allin – You’re right that banks make more money from interest charges, but I wouldn’t try to convince someone to lend me money by telling them that I wouldn’t pay it back! Perhaps hint that the interest rate is lower than on your other cards, instead!

  57. Has anyone tried this with applying for both the Southwest Plus Card and the Southwest Premier Card? I just applied for the Chase Southwest Plus Card back in December, but I really wanted to the Premier Card because it provides a better annual bonus. I plan on keeping the Premier card for awhile. I got instantly approved for the Plus Card, but my premier application status is “under review.” Any success stories with both?

    • @Joshua – Sounds like you have to call the reconsideration line and explain why you need both cards. You have a good reason for wanted the other card, but I don’t know if you can get the bonus on both. But I’d love to find out!

  58. *Update* –Applied last night for the Chase Southwest Rapid Rewards Premier card. I already have the Plus card. Called the reconsideration line this morning, didn’t even have to ask about anything. The representative told me that it was sent for approval which means I will get the other 50000 point bonus as well. It pays to have been a chase card member for over 12 years and never late I guess.

  59. Applied for Chase SW Business CC immediate approval. Followed by personal CC which went into review. Called Chase told both were approved. Called back to get expediated delivery and told personal was not approved due to too many recent apps. Glad I called back. They easily took 5k from business line and approved personal. Now both are being shipped in 1-2 days. Companion fare not far away!! thanks all.

  60. *Update 2* I actually called back again today to make sure everything ok with my Southwest Premier application and was told by 2 reps that my application was sent for a secondary review. Wow, you’d think I was a misfit! So I wasn’t able to discuss the application because it was still in pending mode. I only had 2 cards before this application. I’ll call back again in a few days I guess to possibly discuss reducing my other credit lines which are quite substantial…

  61. *Last update I promise*
    I’m a very impatient person so I called again and low and behold my app was declined. I spoke directly to a very nice csr on the reconsideration line about the application and she said I was denied because of too many applications in a short time period. I politely told the lady that my preference of southwest cards was the premier card, but I had to settle for the plus card because that was the only application available when I searching for a southwest card. She put me on hold and came back and asked if I wanted to move some lines of credit around. (Finally, this is getting somewhere and I knew this call would end well) I told her she could take $7000 from my chase freedom card and put it on my new card. Bam! Done….and approved. Final verdict – December applied for southwest plus card–approved 50000 points. February applied for Southwest Premier card—approved another 50000 points and annual bonus of 6000 points. Companion pass here I come!!!!

  62. I applied for a Chase Ink Bold over the phone I think about a full week or slightly more ago – I have yet to receive a letter and when I call the status line it just says you applied on XX/XX – you will receive a letter in 30 Days. Do I/should I – wait for a letter to arrive before calling the reconsideration line? I currently have their really old Ink Cash card that earns only 3% cash and isn’t part of the UR point program – I wanted to change it to the new one but couldn’t even put that as a reason when applying for the card. I’d be happy to move the credit over to the new card cause I don’t plan on using that one much at all if any longer but I’ve had it a while so i didn’t want to just cancel it before i got the new card. I really hate this waiting 🙂 I actually want to purchase some things from office supply stores too, to get the extra 5% back but have to keep waiting. Any suggestions?


  63. Forgot to mention, besides the old Ink cash I currently just have the Freedom which was also the old one until they automatically converted it and the Amazon card which I plan to cancel (I got it before just getting into this mile/point system) so not really many cards and I’ve been them for a long time (10 years?). So not sure why the review process is taking so long. I did apply for 2 Amex cards recently but didn’t think that would affect Chase as much since I didn’t have a “recent” Chase app besides the Amazon one before Christmas.

  64. I used ur link to apply the sapphire card, and got declined, then I made a Chase Reconsideration Call and got approved

  65. Had a successful call with Chase Business recon line today. I had reached my maximum credit line with Chase so they offered to take a card i wasn’t using. Easy enough but question for you. They closed my marriot card i had been approved for the first week of October 2011. Do you think i’m in danger of having Chase take back my 70K marriot points since i’m just outside of 6 months?

  66. Awesome! Well then thanks to you, my wife will be flying free on my Companion Status once I transfer 30K Marriot Rewards points to SW and make a purchase on my personal and business SW cards. Thanks! I’ll try to schedule a couple of your affiliate linked offers my next apporama 🙂

    • @Josh – Technically, they can take your points back for not having the card open (and could do it months after you close the account). But I’ve very few cases of that actually happening. So transfer the Marriott points to Southwest as soon as possible to avoid any chance of losing them!

  67. Hi guys,

    Just applied for the Chase Sapphire Preferred, have gotten this:

    “Thank you for applying. Your application requires further review before we make a decision.

    Here is what you can expect:

    Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.
    If you are approved, you will receive your card and other important information in the mail.
    Please do not resubmit this application.”

    Does it look like I was declined? Will you recommend to call to reconsideration department now, or wait till response will arrive?
    P.S: Didn’t get any application number, so can not check on the status online…

  68. Pingback: Chase Ink Bold Sign-Up Bonus Reducing to 25,000 Points (from 50,000) for Most Folks? | Million Mile Secrets

  69. My wife was approved fro the Chase Sapphire card after a reconsideration call today. No other Chase cards, they just asked about a 2nd mortgage we have. If she applied for United today would she have a better chance of getting approved? Or should she wait 30 days ?

    • @Nick – It depends on her profile with Chase. You could try if she has had no other Chase applications recently and has enough credit on her existing Chase cards so that she can transfer them to get the $5K minimum required. Or you could just wait.

  70. I have applied for three personal chase cards in the past few months:
    February: Chase Saphire and Chase Southwest
    April: United Explorer
    All were approved, although two of them required a call to the reconsideration department. At the moment these are the only three Chase cards I have. I own a business with a Tax ID and would like to apply for the Southwest Business Card but am worried about overdoing it with Chase. My wife applied for and was approved for the Ink Bold card using my tax ID number (and her social) in the past couple weeks. I currently don’t have a Chase business card using the tax id number and my social security number and have never been denied for a Chase card. Do you think going to the Southwest card is risky?

  71. I was denied by the Chase Southwest Business Card because of newness of credit. I found out by calling the reconsideration line. Any advice? I just opened up the personal card this week which was my first card with Chase. Perhaps I shouldn’t have applied for them both at the same time.

    • @Charlie – Depends on your profile with Chase, so I can’t say specifically. You almost certainly will have to call the reconsideration line. But it does get you nearer to the Companion Pass.

      @Julie – Since you applied, it doesn’t hurt to call back and ask them to reconsider again. But your short credit history could be an issue.

  72. Thank you this post has been very helpful! In order to add a data point and keep the good karma going here’s my experience using your strategy:

    I called Chase after I applied for the card yesterday. CSR originally comes back saying the application was denied due to too many requests for credit from Chase (I opened a United MP account and a Continental One Pass in late Feb/early March). I also had an unsuccessful app for the Sapphire Preferred in early April when they were still running the 50k bonus.

    I politely asked if there was anything else that I could do because I really wanted the British card and my Continental and United Cards were pretty much one and the same. He offered to move lines of credit around (I had to do this for my Continental card as well to get it approved back in March) and resubmitted the app and I was approved. Equifax on myfico was 733 before the app.

    He came back saying the app was approved and that I should be receiving the card in the mail in the next one to two weeks.

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  74. Woohoo! I just did my first reconsideration call for the Chase Ink Bold on my fledgeling business. After reducing credit limit on my SW and BA Chase personal cards, I was approved for 10k limit on Ink Bold. Good enought for me! Thank you, Daraius, for this cogent post on reconsideration calls. It was a pleasure meeting you at the Chicago Seminars.

  75. The company I was working for decided to get out of the business and shut down. I was given an extremely good severance package. Although immediately entitled to draw unemployment, I didn’t draw unemployment for 3 months. I had plenty of money in my Chase account as well as a Chase savings account with over $25K plus 4 different Chase IRA accounts. In the State of Texas, their program provides you with a Chase Unemployment Debit card unless you tell them to do automatic deposits to a different bank account that can be at any bank. Unless you specify a different bank account, your unemployment funds are automatically deposited to this Chase Unemployment Debit card. I have a Chase account, mortgage, and two credit cards. One of those credit cards had a balance of $2,000 and a credit limit of $25,000. I believe that since Chase issued the Unemployment Debit Card, they knew I was unemployed. They suddenly reduced my credit card with a $2,000 balance that had NEVER been late to $3,000. This reduction happened almost immediately after the Chase Unemployment Debit Card was issued. Prior to that, I had never had a credit card limit reduced with them. The letter said they were reviewing their accounts and decided that my debt level was too high so they were adjusting my credit card limit. I wasn’t planning to run out and charge up the $25,000 credit card anyway, but a reduction like this does affect your credit report. Now I have a limit of $3,000 with a balance that exceeds half of the credit limit. This affects your score. I wish there was a place I could tell others that if they have an account and credit cards with Chase to NOT get the Chase Unemployment Debit Card.

  76. I have to say that, yes, the one every 6 months is a myth. I have applied for and received 5 chase cards in the last 4 months. I did have to call the reconsideration line, but they were more than happy to work things out with me.
    I agree with what Daraius says “Depends on your profile with Chase”. I have a long standing relationship with them with personal and business accounts as well as credit cards and mortgage.
    The point being maybe start now building a foundation with chase and enjoy the rewards down the road.
    Thanks Daraius for all your information. I am now at an amazing 533,000 points earned in the last 4 1/2 months. I could not have done it without you!

  77. Got shot down twice on recon line for an AirTran (32 Credits/special invite) 🙁 Too many inq and credit cards open recently is the reason being given. Applied yesterday, they say its already denied. Should wait for the letter and call in with the ref. number and hope for third time charm or just let it go until next churn in April?

  78. Thank you for your blog. Started reading it a little under a year ago and it has benefited us tremendously. Learning as I go. We used your Chase Sapphire link today to get approved for a card for my wife but I wanted to share about the reconsideration call because it might benefit other readers in our situation. My wife stays at home with the kids so she does not have an income of her own. When I called the reconsideration line the rep said that we were denied because of a new Frank-Dodd law that went into effect in October that does not allow them to give a personal credit card if your income does not exceed your obligations. So since my wife is listed on the mortgage, her income alone would have to exceed our annual mortgage payments. He said that was the law and there was no way around it. So I thanked him and called back again to ask a few more questions. The new rep said that she was being denied because her credit limit was maxed with her 2 Southwest cards that she currently had. So she suggested that we try canceling one of those cards. So she tried to cancel her business card to get the Sapphire card. But it gave her the Frank-Dodd law error thing again. But she then offered to try to cancel the personal card which basically would be the equivalent of switching cards. This time it worked! So basically I learned that with this new law, she might not be able to obtain a personal credit card with anyone unless she already has an existing card with that company. (Unless she is the secondary cardholder). Fortunately, we got her personal Southwest card before that law passed. But it would appear that she might have trouble getting a card with anyone other than Chase since she doesn’t yet have a card with another company. Unless she could get a card as a secondary and then swap out that card. Since I wasn’t planning on canceling the card yet we did lose the small amount of points that hadn’t been transferred yet, but that was no problem since it got her approved!!

  79. Great advice Darius. I have been following your recommendations for the past year. I have the following Chase Cards Sapphire Preffered, Hyatt, SW Personal and Business. The AF is coming due so I cancelled the two SW cards am planning to cancel or downgrade the SP. I was denied the Ink Bold card due to too many card applications with Chase and other banks over the past year. I followed your app o rama advice but now banks don’t want to give me new cards due to 10 cc over the past year. Annual fees are coming due which I don’t want to pay. Nor is it easy to jump from Ink Bold to Plus to Classic like you outline. Barclays denied me a second card (Arrival) as well so not sure how to churn the USAIR card. Things looked easy on the 4 month app cycle but now that a year has past I can’t get more approvals even with a credit score near 800. Basically too many applications is the same response all banks are giving. Help please. Thanks in advance.

    • @Pearl – You could convert the Sapphire Preferred to the Freedom and close the cards which you aren’t using. I wouldn’t call Barclays again, but it could be possible to call Chase and ask to be reconsidered again for new cards. Also, you could consider cards from Citi and American Express as well.

  80. @#!&∫! Sneaky Fees!


    Just ran afoul of this one myself.

    Applied for the AMTRAK card to keep the points I have there from expiring before I can use them.

    The nice CSR let me know that they were onto my shenanigans and there was no way they were going to approve another card for me.

    After a bit of song and dance about having had to drop cards to apply for a mortgage (mostly true) and now getting back the ones I really like and use, she slipped me on hold for a bit.

    Coming back she still said (naming two other banks from my credit report!) that I had too many high limit cards.

    I wasn’t prepared for her to draw up those other cards from my very-spread-out app-o-rama-ing… so I mentioned never having been even a day late (she was unimpressed), and how my Chase history, both business and personal, has been long and steady.

    Then, following the advice above, I asked what she might suggest for a guy that has two boys dying to ride the train…

    Not a peep.

    I mentioned my Priority club card held a limit that was higher than I’d ever use… and that finally broke the dam.

    She swapped a few thousand from limit of that card to the AMTRAK card and… it’s in the mail.

    So… not only are they looking at how many Chase cards you’re churning… but how many other cards are on your report and the credit line on each.

    I’m going to jump on some of those other cards and reduce the 10k+ limits down to the 2k or so I might really need on them.

    And, =sigh=, I guess I need to leave Chase behind for a year and let it cool off. Sorry Ink(s), Sapphire, Hyatt and United… you’re just going to have to wait.

  81. Pingback: Chase Southwest | Million Mile Secrets

  82. Just had my first reconsideration fail with chase. Would not budge. Has anyone else had a similar experience with chase recently. They wouldn’t even consider moving around my credit lines.

  83. Two years ago, my husband and I applied for the Southwest card with the 50,000 bonus miles. We cancelled them after about a year. We recently reapplied this summer and were approved and received the bonus again.

  84. My experience is good for people fixing their credit, after 6 years of no credit being in middles 500s, 7 months ago started to fix it, open three bank acc , one is chase, when I hit the 700’s score I did 12 cards app, number 3 or 4 chase was freedom, denied, I know it, called recon and nothing, to short my credit history, plus just two 300 secure cards, two store and three judgments in EX, but I am persistent, 4 days later Sapphire, denied again, got approved for Discover 1.5G and others small amounts, a week later again, lol, yes again, now for Chase Marriot rewards, I really want a good rewards card, I learned so much here and could not wait, loll, I got it for 5G, never expect that amount. Thanks Darius for all the great advices and recommendations.

  85. Even those this is an old article, it still is really helpful to guide you through the delicate patient and polite begging for forgiveness. On my second attempt to contact the reconsideration, I got a surprising approval today. (That makes for a shocking 8 approvals of 8 CC apps this app-o-rama!) I think I’ve over-exhausted my Chase applications and won’t tempt Chase for a while. I should just let the dust settle. Somehow I managed to convince the second-line reconsideration supervisor I needed this new Southwest Biz CC and they could just close my United Biz card since I was needing to fly Southwest more and United didn’t serve my home city. Thanks Darius.

  86. I have no Idea why chase saphire was approved instantly for 12k. then when it came in the mail I also received an invite to the chase slate, which on the day I activated the saphire, applied online for the slate. again, approved instantly for 6.5k with no balance transfer!! I own my home, no morgage, have federal incometax judgement against me, very old, and almost paid off, but still on credit report.many years of no credit history. I did buy a vehicle oct.2013, paid it through Jan. 2015 though. borrowed 6k from a high interest finance company and did pay it down to 900 dollars in under 2 months. then let it report and draw interest till feb2014. I did have a very good oil paying job out ND for one season. 85k/yr. it’s winter and I”m layed off but that didn’t seem to matter. I have no business with this type of credit. But they are apporved online as of Feb. 21, 2014. Believe me people,,, I went through the 90’s with 7 cards, most of them I killed, never settled, did it all, dodged them, went under the radar for years. then I had kids, married, and raised 3 kids. with out any banks. did it the hard way. I learned my lessons, and learned how to live within my means the hard way and had about 16 years to think about it. So as far as chase being hard to get???? not for me. by the way, I only applied for these 2 once. I’m guessing it’s the vehicle purchase and the no history report prior that passed me. plus the huge amount I paid on it in such a short time lowering my debt ratio.

    I wasn’t even going to respond to the slate card, but because I am laid off for atleast 2 mor months, I was going to transfer the remaining balance of vehicle to card to take advantage of the 15 months no APR. any advice for me with all I said??? would be great, for these are my true happenings in my life. and thank you

  87. I applied today for the Southwest Premier card and was instantly approved with a $20K limit. (I also have an existing Chase card with a $20K limit which never has a balance of more than a few $K and is paid off every month.) A few hours later I applied for the Southwest Business Premier card and was informed they’d get back to me in 10 days. I called the recon line and was told I had been denied because of my other application on the same day. The rep then proceeded to read through the script of questions about the business. Her assessment was that 1) the business was too new (7 months) and didn’t have enough revenue ($800 for 2014) and that 2) I already had maxed out my credit line Chase. I said I didn’t need more credit and suggested moving some of the credit line from the other cards to this one, and the rep said they don’t do that. She was friendly enough, which leads me to believe it wasn’t just someone having a bad day and these numbers just don’t fit into Chase’s algorithm…

  88. It ought to be noted that this is to a great extent an American issue. In numerous different nations, (for example, Britain, Australia, New Zealand), you can just send cash from your financial balance to another person’s as an essential capacity of having a record. No charges, no chaos, no center men standing watchman. Essentially a check sans paper. I don’t know why we haven’t made sense of this in the US. (clearly on the grounds that banks have a huge hall and they have no craving to secure individuals and to charge charges for things.

    I also would like to congratulation for this great contribution of chase online app.

  89. I just wanted to relate my experience with the Chase reconsideration line. I applied for the Chase Sapphire preferred and was given the dreaded 30 day letter. I called the reconsideration line and they noted eight and eight-year-old bankruptcy and a couple tax liens on my record the gentleman was very helpful disappeared for about 10 minutes while they considered me. He came back with th I just wanted to relate my experience with the Chase reconsideration line. I applied for the Chase Sapphire preferred and was given the dreaded 30 day letter. I called the reconsideration line and they noted eight and eight-year-old bankruptcy and a couple tax liens on my record the gentleman was very helpful disappeared for about 10 minutes while they considered me. He came back and indicated because I had a banking relationship with them and had not included any Chase debt in the bankruptcy, I would be approved for an initial $5,000 limit!!! By the way, I was originally denied in the system I was told due to the BK!

  90. Jordan Kaplowitz

    I just applied for the Chase Freedom card. This was my 4th card application and 3rd chase application in 1.5 months. I did not get instantly approved, so I called them up. The guy on the phone was super friendly, and approved it within 5 mins.

    Thank you chase!

  91. I applied for the Southwest Plus card with 50K bonus a few weeks ago and was instantly approved. 10 days later, I applied for the Business version using my SSN. I received a denial letter stating too many inquiries with them. When I called the reconsideration line, they asked for business information and, rather than BS it, I gave them real information about our basement rental, saying I’d like to start segregating expenses. They put me on hold for 5 minutes or so and then denied based on short history (3 years), low revenue (20K/year), and something vague about too many Chase requests on my personal account (besides the Southwest card, most recent was Amazon card in 2013). I asked if lowering the 27K limit on my new Southwest card would help and she said it would overall but business card would still be denied based on short credit history/low revenue.

    I went ahead and lowered my limit on the new card to 7K (my % available credit is still pretty high because I have a few other cards and pay off every month). Any advice on what to say when I call the reconsideration line again?

    OR, should I just apply for another personal card (Southwest Premier) and hope I get approved since I lowered the limit on the Plus card? If they ask me why I applied for it, should I still say it’s to segregate my rental expenses or would that be frowned upon since it’s not a business card?

  92. Good news! I called back the reconsideration line and let them know about the limit decrease on my personal card and also made sure it was clear that the rental unit was part of our primary residence so no additional mortgage risk for it. The rep said she is now recommending approval but initially denied apps have to be run by a supervisor first so they’ll have an official answer within 3 days.