Description: The following article mainly focuses on giving us some information related to the rules for using Chase Journey Credit Card Applications and some other details that need to be paid attention to.
Can you tell me if there are any new pre-approvals, if a banker tells you that you’re pre-approved for everything, I’d be a bit careful, so either you are pre-approved for everything, they’re not sure and they hope that you will apply for a card in the way. It is the bankers that print out the terms, if you look at the interest rate number, if it is a fixed number, you are pre-approved, if it is arranged, if it is 17 to 21, you are not pre-approved.
If you’re pre-approved, you’ll see something like 18 point, because you’re pre-approved for a card, it does not mean that you’re going to get approved, so they’re still going to look at your income and your credit score, so you should not think that it’s a hundred percent for our purpose.
We’re looking at pre-approvals as a way to get around 524, if you’re looking for the optimal strategy, you should go towards the right parts, first the blue cards and then the green card, the main reason you want to go towards the red cards is because they’re affected by 524 and there is no pre-approvals meaning that there’s no way to get around it.
Once you go over about 24, because it’s also most rata tree, it doesn’t mean to make sense for you, so I avoided Southwest cards, because I’m not in a Southwest hub and they don’t make sense for me, same thing to slake card unless you can use the perks of that card, it doesn’t make sense to get it at the end of the day.
You should apply for cards that make sense for you and to add value based off, what you’re trying to achieve a friend of mine is looking to propose his girlfriend and he was asking me what cards to get.
If you want to go to the exotic place and the ones I recommended was the tree Sapphire Preferred which Asaph I reserved the Hyatt and the ritz-carlton the Hyatt of the Brooks Carlton are not affected by 524.
But for his purposes, it makes a lot of sense, because he’s trying to have a special occasion in case you don’t want to go in branch to see, if you’re pre-approved, there are two other ways, so if you go online, when you lie in, sometimes there are selected offers for you, if there is a green checkmark, then that means you’re pre-approved for something.
I would check that, the alternative is that you might get a mailer with a very specific link, so if it’s not a general one, if it has a very specific link to apply, then that’s typically a pre-approval, if you’re wondering how to get pre-approved for cards, the recommended weight is not to add any new taste cards for six months.
Pre approvals are not science, though it’s still a black box, so some people say four months, some people say six months and some people say that it’s not based off, when you add a new account, it’s based on applications, but for me, what has works is does not apply for any taste cards for six months in terms of the sign-up bonus.
You’re eligible to get it as long as you do not currently have a card, so either yourself or as an authorized user and you have not gotten the bonus in the last 24 months as the main user.
If you have the ice she signed up in 2014, since it’s been more than two years, you’re going to be eligible for the offer again, it depends on whether it makes sense for you to do that, I get so much value from Chase Sapphire Reserve.
There’s no reason for me to try to do any of this and they’re the firm base, I need for my credit score, the main takeaway is that if you’re currently an authorized, you would want to remove yourself before applying for it.
You can get a sign-up offer in case you’re wondering how a product in toward affects an authorized user, I have a car tonight at Mandy as an authorized user, if I do a product, Chase is going to send me two of those new cards.
I change from the freedom to the freedom unlimited for whatever reason, then chase is going to mail us to new freedom unlimited cards.
It’s a passion from SMB and today we’re going to talk about what rules need to be aware of, if you’re applying for a chase credit card, but first if you are new here, we’re all about how to maximize the value for credit cards, so how to get the most cash back and also how to travel for free and that sounds interesting at the start our Channel.
Let’s start, so there are two rules you need to be aware of, there’s the 230 rule in the five 24 roll, the 230 rule says they can only have two applications every 30 days, otherwise, they’ll automatically be rejected a good strategy here.
If you apply for more than one card in a day instead of pulling your credit twice throwing in a folded one, in this way, you get two credit cards of only one hard pull minimizing the negative effects on your credit report even though you can’t apply and get approved for two cards.
If your credit profile isn’t good enough, you’re not going to get approved, if you’re someone who recently got credit, Chase will probably approve you for one card every 30 days.
The next thing we’re going to talk about is a chase 5:24 goal and something that a lot of people get confused with, so I want to provide a bit more clarity, the main idea is that if you have more than five new accounts in the last 24 months, you’re automatically going to get rejected for certain taste cards.
The five new accounts can be from any issuer and they’re looking at your credit report, so whatever reports to your credit report, your personal one, if you’ve got three Bank of America cards and two Citi cards in the last 24 months, you’re going to be affected by five 24 the main exception, so Bank of America American Express chase don’t post to your credit report, they won’t affect your 5:24 rating trades business cards, don’t report to your credit report, so they do not affect 5:24 even though chase can see them and they know that they exist.