How Long Does it Take to Get a Credit Card Approval?
Author: bullet875
Posted: Thu Mar 16, 2006 7:51 pm
Post subject: How long should it take to get an approval?
I applied for a chase Priority Club Visa on Sunday and did not get an automatic aaproval. I think that it is because of my recent app spree...lol. Anywqay, How long should it take before I hear back from them? Will it really be 30 days? What do you think my chances are for approval?
My scores are as follows; Ex 742 Tu 745 EQ 752 My FICO 768
Income: 104k annually
Total credit limit 70K
Total utilization; under 2%
Thanks for any insight!
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Author: TomfromCT
Posted: Thu Mar 16, 2006 8:13 pm
Post subject:
I see no reason why you wouldn't. Unless there is something about your credit app spree that worries them. They may be asking themselves why the heck you are doing such a thing in light of your access to 70k in credit.
Keep us posted with the time of repsonse and the decision.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullet875
Posted: Thu Mar 16, 2006 8:29 pm
Post subject: I'll let you know...
My spree was because I found the joy of rewards cards. I have a different one for everything that i do so that I can maximize rewards. Here's my plan:
I have 3 cards that give 5% back each on drugstores, groceries, and gas. I will hit my rewards limits on all three annually, which is why I have 3 instead of just 1.
I have a card for Costco (they only accept American Express).
I have a Disney Card to use for Disney World. I saved 20% on two tours ($300)for a total of $60 saved. I will also get 10% off in the parks on merchandise and use that for the Disney Video club (got 6 movies for $25). I can also book Disney vacations and receive 6 months at 0% intrest financing.
I have an Advanta Small Business card: get 5% back on utilities, internet, telecom, and office suplies.I am starting a small public relations and advertising frim and can use this!
I also have the citi Professional that I opened to receive the $100 gift cert bonus. I will use this as it gives 3% back on car rentals. Will only use this to rent a car.
I also got a Charles Schwab and Citi Simplicity cards for the $100 each in gift/prepaid visa cards they offered as bonuses. I wouldn't mind closing these as I'll never use them again.
I have a HHilton Amex to use only for stays at Hilton properties and want a Priority card for stays at Priority Club hotels (these will not be used at any other time)
That's why I had my spree and that's my plan..lol. I pay everything with credit and PIF monthly so that I can maximize my rewards.
Now I just hope that I get the Priority Club card. It's the last one that I need or want.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Thu Mar 16, 2006 7:51 pm
Post subject: How long should it take to get an approval?
I applied for a chase Priority Club Visa on Sunday and did not get an automatic aaproval. I think that it is because of my recent app spree...lol. Anywqay, How long should it take before I hear back from them? Will it really be 30 days? What do you think my chances are for approval?
My scores are as follows; Ex 742 Tu 745 EQ 752 My FICO 768
Income: 104k annually
Total credit limit 70K
Total utilization; under 2%
Thanks for any insight!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: TomfromCT
Posted: Thu Mar 16, 2006 8:13 pm
Post subject:
I see no reason why you wouldn't. Unless there is something about your credit app spree that worries them. They may be asking themselves why the heck you are doing such a thing in light of your access to 70k in credit.
Keep us posted with the time of repsonse and the decision.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullet875
Posted: Thu Mar 16, 2006 8:29 pm
Post subject: I'll let you know...
My spree was because I found the joy of rewards cards. I have a different one for everything that i do so that I can maximize rewards. Here's my plan:
I have 3 cards that give 5% back each on drugstores, groceries, and gas. I will hit my rewards limits on all three annually, which is why I have 3 instead of just 1.
I have a card for Costco (they only accept American Express).
I have a Disney Card to use for Disney World. I saved 20% on two tours ($300)for a total of $60 saved. I will also get 10% off in the parks on merchandise and use that for the Disney Video club (got 6 movies for $25). I can also book Disney vacations and receive 6 months at 0% intrest financing.
I have an Advanta Small Business card: get 5% back on utilities, internet, telecom, and office suplies.I am starting a small public relations and advertising frim and can use this!
I also have the citi Professional that I opened to receive the $100 gift cert bonus. I will use this as it gives 3% back on car rentals. Will only use this to rent a car.
I also got a Charles Schwab and Citi Simplicity cards for the $100 each in gift/prepaid visa cards they offered as bonuses. I wouldn't mind closing these as I'll never use them again.
I have a HHilton Amex to use only for stays at Hilton properties and want a Priority card for stays at Priority Club hotels (these will not be used at any other time)
That's why I had my spree and that's my plan..lol. I pay everything with credit and PIF monthly so that I can maximize my rewards.
Now I just hope that I get the Priority Club card. It's the last one that I need or want.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 1:01 AM
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