wendow
We create happiness.
- Joined
- Feb 11, 2012
Conventional wisdom seems to be to try for two Chase cards on the same day, close in time, at 4/24 to combine the hard pull and you might be able to sneak two cards through at the same time. Apply for the card you want more first, so if you're sent to pending you can try to recon immediately. Apply on a weekday during business hours so phone lines are open to talk to a csr. If it's something simple like verifying ID or moving around credit or discounting AUs against 5/24, and you get approved, move on to the second application. If you don't get a decision or are denied, I don't think there's any harm in going through with a second application since it's the same pull. In either case, if you get denied for the second card, you can wait for the denial letter and have 30 days to recon.
I think you'll find opinions on both sides of whether to preemptively lower your credit. Especially if your credit is getting close to hitting half of your stated income, Chase might be wary of extending you more and that may increase your risk of going to pending or denial, instead of automatic approval. But I'm more of the view why should you give up a chip you can bargain with later if it does come down to moving around credit?
Thanks for your help, Lain. So I am thinking I will just leave the amounts alone and be prepared to call recon (I despise having to call...) but what do I say if I have to call about the SW? I already have the Premier that I *just* got. Why in the world would I need another SW personal card? It's things like that which make me nervous if I have to call.
@mfly, do you know if the Plus referrals are the same as the public offer (still finding 60k)? I know my Premier referrals are only 40k.