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EpicUserName

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  1. No, it has nothing to do with services as far as I can tell. It has something to do with attaining a certain amount of credit that changes how further reporting affects your score.
  2. Actually, is that true? Is there any reason I shouldn't try to get them for personal credit? (The more accounts you have, the better, right?)
  3. Apparently it's common knowledge, but I can't seem to find anything about it in a google search. Anyone know what this means?
  4. Well, I'm always at the mercy of what they do anyway. Nothing really new there. If they're planning to shut people out, doing things slowly won't help much.
  5. Hey! I asked a while back on here about combining HP's, and I gave a hypothetical example of applying for five credit cards in one day. I got a resounding "DON'T DO THAT" when I brought it up. I didn't want to bring up a dead thread, so I made a new one! Anyway, could someone please give me more detail on why you shouldn't do this? If there's a high likelihood of getting approved to all of them, what's the harm? Thanks guys!
  6. I hear that if you apply for more than one card on the same day, you'll only get hit with one HP. How exactly do I do this? If I apply for a discover card and a chase card, will I get hit with only one? If I apply to five chase cards, will it count as only one HP? Thanks everyone.
  7. There is a lot of garbage you are seeing, I played around with inspect element and now I have just as many cards and miles Stephen Liao "has". I highly doubt anyone get 6 Chase cards in one day let alone when above 5/24 (you can still get the normal 2/3/4 just you have to app non-5/24 cards) The 2/30 rule isn't really a thing. Sorry, but what is "inspect element" and 2/3/4? Inspect Element is a way to edit any webpage Like here where I got points like Stephen Liao "has". 2/3/4 was just a realistic amount of cards that one can get at once from Chase. What do you mean edit any webpage? 2/3/4 I guess means 2 at once, THEN 3 at once, and then 4 at once?
  8. There is a lot of garbage you are seeing, I played around with inspect element and now I have just as many cards and miles Stephen Liao "has". I highly doubt anyone get 6 Chase cards in one day let alone when above 5/24 (you can still get the normal 2/3/4 just you have to app non-5/24 cards) The 2/30 rule isn't really a thing. Sorry, but what is "inspect element" and 2/3/4?
  9. So... I'm new to credit. I'm an authorized user of two cards and my FICO score is in the high 700's. I've been hearing so much about the 5/24 rule and how I need to apply to Chase cards first before anything else, which makes sense on the face of it. I've also been told that I should probably get another card first (Discover IT for example) before even bothering to go for Chase, and that I shouldn't apply for 2 or more of their cards within 30 days. Sensible. However, I am also repeatedly told of DP's who manage to get 6 Chase cards in one day, while they're 7/24 as it is, with a lower FICO score than mine, and 12 hard pulls on their record. HUH?? What's going on here? Obviously mileage may vary, but come on, why do I see so many people getting cards when they supposedly shouldn't have a chance? Why and how, despite being instructed not to apply too much, do people attain all these cards with no trouble? I hear there's something about combining hard inquiries somehow, but how does that work? I am very confused. Also, and this is more of a side question, does anyone have any idea how someone like Stephen Liao got 200 cards in less than a year? The HP's, alone, would've driven down his score like crazy. What on Earth did he do to bypass this? I apologize for rambling, I'm just getting frustrated with how fruitless online research seems to be.
  10. So you're saying I should wait a couple weeks before doing anything? That's from my personally-seen Data Points, just giving you the information to see if it helps. If you're looking for more pre-approvals, sometimes being "on the radar" helps with that from my experiences. I see. Thank you.
  11. So you're saying I should wait a couple weeks before doing anything?
  12. No. If the pre-qual tool shows the opt-out language and a set APR, as opposed to an APR range, the odds are in the upper 90% that you'll be approved. If these 2 elements are missing the odds are low. YMMV (Your Mileage May Vary). How long ago were you added as an AU? Have you not received any offers in the mail? I suggest you do some more reading Very very recently. That's an interesting tip, thank you! Could you please explain exactly what "opt-out language" looks like? It only takes a few days for AU accounts to affect your FICO score, but it can take over a month for pre-quals to kick in... online or by snail mail. Opt-out language look like this... Interesting... thank you! I really appreciate it. If it's not too much trouble, do you happen to know if Chase actually denies you if you apply for two cards within 30 days? Sorry I keep bombarding you guys with simple questions, but I can't seem to find a straight answer anywhere. Researching is not as concrete as I had hoped.
  13. What? I thought 5/24 was a hard and fast rule? Also, what do you mean by in-branch? Region specific that has benefits I can only get by applying at a Chase location? Are they really worth it if I'm miles away from one? Yes, you have in-branch offers which you can take only at a branch and are different from online preapprovals. If you're near a branch they are easy to check. You just ask a banker at any branch to check for your offers. People have travelled over 100 miles to get a Sapphire card. It is up to you to decide if it is worth it. I wouldn't if I have to travel over 100 miles. Wow, alright then. I'll keep that in mind for future applications. Thanks!
  14. No. If the pre-qual tool shows the opt-out language and a set APR, as opposed to an APR range, the odds are in the upper 90% that you'll be approved. If these 2 elements are missing the odds are low. YMMV (Your Mileage May Vary). How long ago were you added as an AU? Have you not received any offers in the mail? I suggest you do some more reading Very very recently. That's an interesting tip, thank you! Could you please explain exactly what "opt-out language" looks like? Also, despite not having any "prequalified" cards for discover, they DID repeatedly send me an invitation to apply to the IT card long before I had a credit history. What's with that?
  15. What? I thought 5/24 was a hard and fast rule? Also, what do you mean by in-branch? Region specific that has benefits I can only get by applying at a Chase location? Are they really worth it if I'm miles away from one?
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