Comments on: Chase Offers Ending Soon

By: noturbizniss

noturbizniss — Thu, 17 Jan 2013 18:18:14 +0000

@Dan: Just had first statement close and lo and behold i got the 50K avios!! Thanks for the link!

By: mrsil

mrsil — Mon, 14 Jan 2013 05:29:06 +0000

Hi there, can dan or anyone else help me on this: I have a sapphire preffered visa and applied through a link that I thought was for mastercard and got a letter that I already have the sapphire credit card. How do I go about this? Also, what reasons can I give why I want a mastercard besides the visa? Thanks

By: dov

dov — Mon, 07 Jan 2013 23:41:59 +0000

citi told me even if i apply for a few at a time. it will def make multiple hard pulls

By: Dov

Dov — Sun, 06 Jan 2013 20:03:31 +0000

Plus. What’s the whole advantage of doing a 3bm?? Is it just to avoid multiple hard pulls? Or is it somehow bypassing the system, resulting in them not realizing ur requesting multiple cards which they wouldn’t have approved u for?? If so when calling for reconsideration, wouldn’t that all fall away ?? For they will see all the applications

By: dov

dov — Sun, 06 Jan 2013 19:17:30 +0000

Dan

If I know i will most likely get denied by chase, at first but have a chance with reconsideration. should I stick to one business app for now? or still go for the 3bm?

(i have a few charge offs from 5 yrs ago, clean record since than, applied for ba 6 months ago, and they told me to get a cc from another lender first to prove my responsibility. got one from citi. its now six months later, and would like to get a business card from chase)

By: JasonC

JasonC — Thu, 03 Jan 2013 22:07:14 +0000

Approved for the Ink Plus, but shot down over and over for United because “my business is too new and it doesn’t make enough”. Basically your business needs to be >3 years and you need to be making a “substantial amount more” than $5k a year on side-gigs to have more than 3 business cards with Chase. I already had the SWA biz card so that didn’t help. I even told them I would cancel my personal United card or transfer the credit limit but that didn’t help.

By: Davidd

Davidd — Thu, 03 Jan 2013 17:43:09 +0000

Dan, can you kindly get back to me we have chase sapphire preferred card with annual fee due now so we would like to “close card.” What is better would you say to shift remaining credit line to our Freedom card or to downgrade the current chase sapphire preferred to the non-preferred version. any better suggestions/options? Thanks

By: kalmi

kalmi — Thu, 03 Jan 2013 08:02:13 +0000

I applied 3bm was told on ink that BZNS was too new… I said its 2 years. any advice when recalling recon?

By: Question!

Question! — Thu, 03 Jan 2013 03:06:06 +0000

hi
whats the min line for ink plus? can i do a 3bbm?

By: JasonC

JasonC — Thu, 03 Jan 2013 01:48:03 +0000

@Dan
I called back and had to stretch the truth on why the Ink plus app was denied, but while he was able to re-open it and re-submit the app it needs to go through more verification (meaning I have to call back tomorrow when the verification office opens), all at the cost of lowering my SWA personal even more to $7k (started the day at $17k). I guess that means I’m at my max credit limit with Chase compared to my gross HH income?

I asked about the United card and he essentially said my business doesn’t make enough to warrant 3 cards. So if I call back again, I’ll probably need to stretch the truth on how much revenue my side-businesses generate, which seems shady.

By: Dan

Dan — Wed, 02 Jan 2013 22:49:25 +0000

@JasonC: You were misinformed. Try calling back a few times.

By: JasonC

JasonC — Wed, 02 Jan 2013 22:47:41 +0000

Just a heads up to everyone else, I applied for the Ink Bold, Ink Plus, and United cards and was told they could only approve 1 of them with a minimum $5k credit by moving $5k from my personal SWA card (that had a $17k limit). Apparently if you have new biz cards (was approved for a SWA biz in December for $5k) they only allow $10k in biz credit total until you’ve established some sort of payment history. This is despite me having some old personal CC’s on Chase with perfect payment history!

By: Davidd

Davidd — Wed, 02 Jan 2013 17:33:31 +0000

Dan, we have chase sapphire preferred card with annual fee due now so we would like to “close card.” What is better would you say to shift remaining credit line to our Freedom card or to downgrade the current chase sapphire preferred to the non-preferred version. any better suggestions/options? Thanks

By: newbee

newbee — Wed, 02 Jan 2013 00:19:17 +0000

I applied for the BA card and received it. I saw Dan post that springtime might have a better offer. If I do not activate and just cancel will I be able to get the better offer in spring?

By: annms

annms — Tue, 01 Jan 2013 08:12:08 +0000

@Dan so which cc would u recommend me BESIDES Chase? I have already a bluebird…

By: Elaine

Elaine — Tue, 01 Jan 2013 06:07:17 +0000

@Dan: SO I applied for the 3 cards, denied all of them and so far got 1 approved. Need to call for the other 2. Since I applied without United mileage # (you didn't respond since you were on vacay!) I can merge the new number with my old # - right? How do I do it - online or call United?

By: Dan

Dan — Tue, 01 Jan 2013 03:52:34 +0000

@Elaine: You can get the business card on the same number even if you have the consumer card. @Elaine: Yes Ink Bold and Ink Plus among others. @Shlomo: Sapphire only. No. @Chase: Yes Yes @high flyer: No @Sara: You can call Recon now. @ari: Yes, but it may only cover business rentals. @annms: If you have stiffed Chase in the past I wish you luck. They have a long memory. Keep trying to find a sympathetic rep.

By: annms

annms — Tue, 01 Jan 2013 02:33:46 +0000

hey dan: i followed what you said dan, i have a 771 middle score!!! (775 highest) i applied for a chase sapphire 3BM, 2 browsersd sapphire prefferd private and 1 browser INK PLUS for business I WAS DECLINED ON ALL 3! one sapphire said DOUBLE APPLICATION….. the other sapphire they dont wanna give me cause i had a cc with chase 7 yrs ago that i settled with them, the ink card, i called they asked me questions i said the bzns is 3 yrs bla bla bla they said bznd too new. HELP ME DAN PLZ… TY!

By: ari

ari — Mon, 31 Dec 2012 07:11:37 +0000

are any of these cards mastercard world cards with car rental insurance in israel?

By: Sara

Sara — Mon, 31 Dec 2012 06:01:48 +0000

My experience with Chase Southwest card:
My year is up and I was charged $69 and given a 3000 pt. bonus.
Since I don’t actively use this card (just wanted the 50,000 pts for opening card) I asked if I could downgrade to a non-fee card. The answer was no, but I was offered another 3000 pts. to keep the card open. I’m wondering if that is good value. I have till end of Jan if I want to cancel card and get $69 refunded. Would they then take back the bonuses totaling 6000 pts?
I was also told that if the card is open, I could use my points for internat’l travel, but if I close the account, I could only use the points for domestic travel (which I don’t need) or for gift cards. Does that sound logical? Or did I misunderstand something?
Now since I have only under 60,000 points I would need to transfer points from Sapphire to have enough for int’l travel. Is that worth it.
What do you suggest?
I’ll have the same spiel with my husband’s card next month.
They won’t let us combine the points.