If you have an ITIN, you can try Equifax which will show your age. Usually it starts from when your first card is reported. Normally starts counting after your first statement as Month 1.
Just a few DPs for those interested in applying for a Chase Card.
In March, I tried applying for Chase WoH and was rejected. Called recon, asked me submit ITIN and and DOB (passport and ITIN letter). Then I received a letter saying that it was fraud. I gave up and let the application die at that point. During this period I also had some issues with my credit report being split and it was a headache and I was stressing to get it fixed but it ended up fixing itself when the monthly reports to the agencies landed. I recall this time I didn't use a VPN and I had no established relationship with Chase.
At that point was 1 Year with Amex and opened my 2rd card card with Amex 3 months prior.
2/24
1/12
1/6
Come April, elevated offer for the CSP with 80K UR points. I wasn't sure if I would be approved so I applied for both Amex Gold and CSP. Amex gold approved with a phone call after the application.
CSP was a bit more complicated. I applied with a VPN and received the 7-10 day automated message. I called the next day seeing if there was anything I could do. Went through the usual verification process with address/public records/etc and then was requested to submit ITIN and proof of address. The email did not include a bank statement as an accepted document but luckily it went through.
Activating the card was a whole another level of nightmare. I had to call to get an account created and in order to do that they needed to verify me. For whatever reason, they needed to do a phone verification where they needed to call the number I applied with and have me pick up. I had heaps of difficulty trying to pick up the call with GoogleFi/GVoice since I had some forwarding issues. It took a few attempts before I got it working and at one point, I had a CSR say that the accounts been locked and the security team need to look at it. I was quite defeated at that point
. But all turned out well.
4/24
3/24
3/6
Latest card 2 months old.
End of June, I tried apply for the IHG Business card with Chase. No confirmation email, the automated check didn't work until 2 days later. I received a letter in my Chase account saying that I've been rejected due to a few things. Didn't bother calling recon because I did feel that my velocity at that point was a bit high. After this application and my other cards my FICO dropped to 690s.
At this point I actually had 3 inquiries (tried to apply for VX earlier but rejected, gold was a soft pull) in 6 months so I was a little bit worried but upon reading it doesn't seem to impact things with Chase to much.
Latest card 3.5 months old.
2 Days ago I had the most seamless Chase experience. It was actually shocking because I haven't seen anything on AFF similar to this. I applied for CIP for the 100K offer. Got 7-10 notice after submitting. Received the confirmation email and called the automated line and it said 2 weeks which normally means pending approval. This morning I received an email saying the card was approved. No phone calls needed and I've only been an existing Chase customer for 3 months. Submitted a secure message via my Chase account to have the card expedited but will wait and see. I also applied with a VPN this time.
I also took the effort to reduce all my balances to below <$50 when they were reported to the agencies so perhaps that might have helped as well. FICO was 720~.
Hopefully this is helpful to some of you.
Regarding bonuses, does anyone know if there is anyway that we can pay for petrol and still earn bonuses if we have CSP/CIP/Gold/Green? I was thinking whether there was a pay to buy gift cards online via woolies or coles to pay for petrol.