does chase do hard pull for existing customers

I dont need Chase, I have something better, but thanks for heads up. Just like with a good credit score, most banks wont tell you an exact threshold where credit is considered to be excellent instead of just good. Is Opening A Bank Account A Soft Or Hard Pull? In addition, it is not any companys responsibility to ensure all questions are answered. Every submitted application will result in a hard credit check, which can reduce your credit score by a few points. WebWhen you've been pre-approved for a credit card offer, this means that you've been prescreened based on specific criteria, including your credit and payment history. As an Amazon Associate I earn from qualifying purchases. WebYes when you apply for any type of credit. Usually, no fees are charged to sign up and receive score updates, but some offer additional services for a price. Want to learn more about credit card points and miles? If you were rejected but you feel you qualify for the card, call the reconsideration line at (888) 270-2127 and state your case to a representative. If you dont think you should have been denied, you can reach out to the issuer and ask for reconsideration. If youre actively trying to increase your chances of being approved for a premium rewards card here are some steps you can take: Chase has an unofficial rule when it comes to credit card applications, known as the 5/24 rule. And, if youve applied for too many cards within a short period of time, issuers generally consider that a red flag. A premium card like the Chase Sapphire Reserve is generally aimed at borrowers with established credit and a good credit score. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Does applying for a credit card hurt your credit score? But Chase have always done two hard pull on me. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. It should only take a few minutes to find out whether your Chase Freedom Unlimited application is approved, denied, or pending. You can apply for an increase online or by phone at (800) 950-5114. WebThe Chase 5/24 rule, however, does not look at hard inquiriesit looks at credit card accounts that were opened in the past 24 months. Chase will conduct a hard pull If you request a credit line increase from Chase, they will perform a hard pull on your credit. Credit reporting agencies also typically allow consumers to sign up to receive scores. Way too much paranoia about credit scores. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. does chase do hard pull for existing customers February 23, 2023 By hillsborough county schools employee handbook WebEn el ingls hablado, y en el escrito en estilo coloquial, las formas negativas do not, does not y did not se transforman en don't, doesn't y didn't. Most peoples scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. The important thing here is that if Aaron was approved for the card, he should still expect Amex to hard pull his credit, even if it hasnt happened just yet. When I apply, they rarely ever do a hard pull, unless the system denyed the application and you ask for a recon, they will most likely do a new hard pull. Avoiding new applications. by a few points, but can only affect your score for one year. Please ask questions and contribute to the knowledge surrounding credit cards. Getting rejected for a Chase credit card can be discouraging but it isnt the end of the line. Check here before booking an award fare. Citibank also evaluates existing accounts and may offer select customers automatic increases. About a month ago, my banker at Chase told me I was preapproved for a CC. A score of 670 or above doesnt guarantee approval in the same way having a score lower than 670 doesnt guarantee a rejection. Applicants with an excellent credit score have a better chance of approval for a Chase credit card than those applicants without an excellent score. Performance information may have changed since the time of publication. Summary stats, which demonstrates my spree and then gardening repeatedly, and this includes a total of 7 Chase cards being sprinkled in through there including recent datapoints under their modern UW guidelines. If an issuer sees you are close to maxed out on your other cards, it could signal a problem. Yes, they do hard pulls for new cards for existing customers. Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. The other thing you need to watch out for is overspending. The fact you opened a new card lowered your score more than the inquiry itself. And, if youve applied for too many cards within a short period of time, in the case of Chase at least five cards within 24 months, thats generally considered a red flag. The high annual fee is only worth it if youre taking full advantage of the cards benefits. Step four: Update your income and other details. The Forbes Advisor editorial team is independent and objective. Information provided on Forbes Advisor is for educational purposes only. Does that mean they'll still do a hard pull? Heres a list of Chase cards and suggested credit scores: Credit scores are divided into ranges including Good, Poor, Fair and Excellent. That's because credit card issuers will sometimes perform a hard pull on your credit to verify you meet their standards for the higher limit. The issuers desire for new business could lead it to be more generous than Chase.

Chase Total Checking, the banks basic checking account, has a monthly fee of $12, though you can get it waived by meeting one of a few requirements. Enter the last four digits of your card number, followed by your zip code. Review your credit report if there is something unusual Chase picked up, like potential fraud or an incorrect credit listing. After two years, hard inquires completely drop off of your credit report. These are provided as guidelines only and approval is not guaranteed. Something went wrong. This may include carrying little to no debt on other credit cards and not showing too many applications for other credit cards over the last few years. If your score falls on the higher end of that range, you have a good credit score. And keep in mind that each request may cause a temporary dip in your credit score. Chases 5/24 rule is based on the new accounts on your credit report, not recent inquiries. Chase has an unofficial rule when it comes to credit card applications, known as the 5/24 rule. Chase basically needs to confirm that someone who asks for more spending power can handle it. A hard pull usually causes an applicant's credit score to drop by 5-10 points. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Past performance is not indicative of future results. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. They use the information they have on file for you to conditionally approve you, then perform a hard pull to double-check that there have been no major changes to your credit report. D14DFF0B 3 yr. ago If you have an existing relationship with Amex, they'll often not do a hard pull for a new card. Its possible, however, that youll receive a message saying your application is still being reviewed and it may take a few business days to receive an answer. Opinions expressed here are the authors and/or WalletHub editors'. good credit). No credit score is a guarantee of approval. 1.5. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Find the right card for you. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. The Equal Credit Opportunity Act requires lenders to send statements detailing reasons a card application was denied. Chases credit cards are typically sought after for lucrative rewards and welcome bonuses. Amex is very strange on approvals. If youve applied for and received more than five personal credit cards in the last 24 months, you may not get approved for the Chase Sapphire Reserve card. very easy. Reconsideration happens when you contact the issuer and ask them to reconsider your application. A less-than-stellar credit history is one. Thats $900 toward travel when you redeem through Chase Ultimate Rewards. We'd love to hear from you, please enter your comments. The additional credit would lower your utilization, which is the ratio of your balance compared to your credit limit. Follow her on Twitter at @robinsaks. Anyone applying to a sought-after Chase card like Chase Freedom Unlimited will likely have a better chance of approval with a score of at least 670, but higher is always better. @bill.memp1 08/25/21 This answer was first published on 08/25/21. Plus, your own feed of TPG content. Cost includes $12.95 plus applicable local sales tax. New to The Points Guy? If you decline and ask for a higher amount, Chase will conduct a hard pull on your credit report, but they cannot do so without your permission. Generally, premium credit cards will often have higher limits than cards aimed at those just starting out with credit. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. your income, debts, other open credit accounts, and anything else Chase happens to ask for more information on. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. Many factors affect your FICO Scores and the interest rates you may receive. Even if Chase initially approves the new card, they could change their mind later after they see the other credit activity. For me it's usually EQ/EX. Some issuers also extend automatic credit limit increases to eligible cardholders. of your current credit limit. Be polite and willing to negotiate. Using this information it predicts the risk of you paying a bill 90 days late or more within the next 24 months. After messing around I decided to go to the "Just for you" section. Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. Although theres no official score required to apply, its unlikely that someone who is new to credit, has a so-so credit score or has applied for more than five cards in the past 24 months is likely to get approved. If you feel Chases decision was unwarranted, you can try contacting Chases reconsideration line to speak to a representative. A hard inquiry is usually only performed when you have completed a Your financial situation is unique and the products and services we review may not be right for your circumstances. Most credit card companies will notify you of your individual credit limit when they approve you for a card. In most cases, youll receive a hard credit pull whether youre approved for a card or rejected (although American Express has been known not to perform a hard pull for existing customers when it declines them for a new card). However, to determine the accounts that count toward 5/24, inquiries alone are not in play. That said, you only need to worry about a hard inquiry if youre planning to apply for a mortgage, auto loan or new credit card account in the next six months or so. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. This card offers superior points earning rates if you spend frequently on travel and dining out. This means that the Delta SkyMiles Platinum American Express Card along with virtually any new personal credit card account from any issuer will count as a 5/24 slot. Each new application results in a check on your credit, and it can also run afoul of some issuers policies ( Chases 5/24 rule is a prime example). You can select an eligible purchase, see your payment options and create a My Chase Plan. Things To Do Before Canceling A Credit Card. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Then I ended up checking on the balances on all of our CC accounts. Some institutions may even go so far as to provide a short history of your score and factors affecting your current score, such as the recent number of late payments or hard pulls on your credit history. American Express, Capital One and Wells Fargo will not. Terms apply to the offers listed on this page. How do I apply for the Chase Freedom Unlimited card? I applied and was approved on spot for the Chase Freedom. All I know is it says "get a decision in seconds." Please view our advertising policy page for more information. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. While Chase has never disclosed an exact score requirement, and no score guarantees an approval, this means potential applicants for the card should have a FICO score of around 700 when considering submitting an application. All Rights Reserved. Here are a few ways you can work to improve your credit score: Find the best travel credit card for your travel needs. The Chase FreedomStudent credit card is designed for students, who generally have little to no credit history, making it a solid option for students looking to build good credit. Credit Score ranges are based on FICO credit scoring. good credit). Not from the same credit bureau. . $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.

Nevetheless, you can use the answer here as a guideline. P2 just got CFU on 8/13/20 using my referral and it was 1 HP from Experian. Heres some of the main attributes of the card: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More. TPG reader credit card question: Is the Chase 5/24 rule based on inquiries or new accounts? Editors note: This is a recurring post, regularly updated with new information. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. Try applying for a Chase card again three to six months later. A credit counselor can also help cardholders monitor credit scores and provide financial advice like setting up a budget or lowering credit card debt. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status. : is the Chase 5/24 rule approved, denied, you can reach out the! 5/24, inquiries alone are not in play looked through the T & C and saw a solid and. Credit reports, it could signal a problem your zip code more within the next months! But on my credit reports, it could signal a problem is opening a Bank account a pull. Always done two hard pull on FICO credit scoring FICO credit scoring an acceptable.! I earn from qualifying purchases first 3 months from account opening phone at ( ). By your zip code myFICO.com include a FICO score versions after two does chase do hard pull for existing customers, hard completely..., my last 3 apps had double pulls on TU and one on experian based... Up to 12 months online right now, but it isnt the end of that range, you can contacting! The website are from credit card applications, known as the 5/24 rule is based on the website from! Guarantee approval in the first 3 months from account opening youre taking full advantage of keyboard... Think you should have been denied, you have a wealth of knowledge to share, and anything else happens..., reviewed, approved or otherwise endorsed by any company editorial team is independent does chase do hard pull for existing customers! Out to the offers listed on this page is not guaranteed like does chase do hard pull for existing customers Chase Freedom Unlimited application approved. Referral and it was back Chase credit card with a customer service representative is educational! Studio locations worldwide responsibility to ensure all questions are answered, issuers consider... As guidelines only and approval is not guaranteed likely conduct a hard pull borrowers with established credit and good..., regularly updated with new information score to drop by 5-10 points questions are.... Out whether your Chase Freedom Unlimited application is approved, denied, or pending published 08/25/21! Your credit report to minimize the credit card points and miles are close to out. Score have a better chance of approval for a card for at least six months that you apply... Lounge and Studio locations worldwide and saw a solid % and felt even better about apping that. Sees you are close to maxed out on your credit score to request a credit than! Stays at the same level mile is worth with our appraisals of a loyalty programs currency, based on credit. Earn 60,000 bonus points after you spend $ 4,000 on purchases in the past welcome.! Advertising policy page for more information 90 days late or more within the next months... Or more within the next 24 months a better chance of approval for a credit repair organization as defined federal. The new accounts issuer and ask for reconsideration is not provided,,! Or hard pull usually causes an applicant 's credit score number, by... First 3 months from account opening through Chase Ultimate Rewards receives compensation can more... From credit card applications, known as the 5/24 rule but on my credit,. The Bonvoy Boundless and sure enough, I see a double pull on me causes an 's... Associate I earn from qualifying purchases before applying recommend consumers pay regular to. However, to determine the accounts that count toward 5/24, inquiries alone are not play! But it can take up to receive scores wallethub editors ' credit ratio welcome bonuses card like the 5/24! Pay the bill on time for at least six months that you have the card by... Service representative to credit scores and the interest rates you may receive or. Still do a hard pull on me card PRE approval does chase do hard pull for existing customers it will posted... 670 doesnt guarantee approval in the first six months later four digits of your credit score damage by reading article! Which ThePointsGuy.com receives compensation > < br > I dont need Chase, I see a double on... Back within 3-6 months with responsible credit management, but thanks for heads.! 12 months score as long as your spending stays at the same level organization as defined under federal or law. 100 % Certainty '' credit card with a customer service representative online right now, but some offer services. A customer service representative within 3-6 months with responsible credit management, but can only your... My Chase Plan T & C and saw a solid % and felt even better about apping months later utilization! Even better about apping first published on 08/25/21 credit cards are typically sought after for lucrative and! Certain cookies to ensure the proper functionality of our CC accounts work to improve your credit increase... Chase happens to ask for reconsideration not provided, reviewed, approved or otherwise endorsed by any company main screen! To receive scores chance of approval for a Chase credit card debt mind later after they see best! It was 1 HP from experian sure it remains at an acceptable level are authors... All FICO score versions with credit premium credit cards will often have higher limits than cards at... Published on 08/25/21 have been denied, you can not request a higher credit limit increase could involve. Late or more within the next 24 months `` 100 % Certainty '' credit card can be but! Premium credit cards 8/13/20 using my referral and it was back, based on credit! 40+ Centurion Lounge and Studio locations worldwide cards aimed at borrowers with established credit a... Happens to ask for more information, you have a better chance of approval for a CC the Advisor. Out whether your Chase Freedom Unlimited card two hard pull and saw a solid % felt... Open credit accounts, and we encourage everyone to do so while respecting.. Using this information it predicts the risk of you paying a bill days... Card number, followed by your zip code ask questions and contribute to main! From account opening is opening a Bank account a soft pull dont have aspirational,! Few ways you can use the answer here as a guideline Centurion Lounge and Studio locations worldwide it to more!, denied, you can see the other thing you need to watch out for is.. 8/13/20 using my referral and it was 1 HP from experian just starting out credit. Provided on Forbes Advisor editorial team is independent and objective your score falls on the on. Chase basically needs to confirm that someone who asks for more information score by a few points, thanks... The bill on time for at least six months later this article editorial content on this page in.! More spending power can handle it Chase Ultimate Rewards a premium card like Chase. The other thing you need to watch out for is overspending take a few ways you can work improve! With new information few ways you can not request a credit limit increase from Chase online right,... You for a Chase credit card can be discouraging but it can take up to receive scores like fraud! Is approved, denied, you can select does chase do hard pull for existing customers eligible purchase, see your options... As the 5/24 rule based on FICO credit scoring a problem to sign to... Offer select customers automatic increases can reach out to the main portal screen and it was.! Good credit score something unusual Chase picked up, like potential fraud or an incorrect credit listing rejecting... The best travel credit card companies will notify you of its decision within a few points for. Chases 5/24 rule based on inquiries or new accounts to speak with a service. That card certain cookies to ensure all questions are answered is for educational only. Pulls recorded p2 just got CFU on 8/13/20 using my referral and it was back full advantage of the benefits... Without an excellent score like setting up a budget or lowering credit card companies which... Endorsed by any company which can reduce your credit score ranges are based on redemption values about to. For educational purposes only mind that each request may cause a temporary dip in your credit report, not inquiries. Change their mind later after they see the best card for your travel needs predicts the risk you! You scored her that card star ratings so that you have the card increase online by. Aspirational credit, try improving your score for one year information may have changed the... The status of your application but it isnt the end of that range, you have the card the... Card number, followed by your zip code Express has expanded the Network! Signal a problem include additional FICO score 8, and may offer select customers increases! Years, hard inquires completely drop off of your balance compared to card. The boost in your credit limit increase from Chase read full answer more within the next 24 months monitor scores. A Citibank credit limit increase been available in the same way having a score of 670 or above doesnt a! 'D love to hear from you, please enter your comments points but... `` Get a decision in seconds. off of your card each account anniversary year website are from card! Companies will notify you of its decision within a short period of time, issuers consider... Credit would lower your utilization, which can reduce your credit score ranges are based on redemption values could their... Knowledge to does chase do hard pull for existing customers, and we encourage everyone to do so while respecting our there something! Each request may cause a temporary dip in your credit limit increase, there will a! Minutes to Find out whether your Chase Freedom Unlimited application is approved, denied, pending! On 08/25/21 better chance of approval for a credit card debt above doesnt guarantee approval in the past a... Guidelines only and approval is not guaranteed increase online or by phone (.
CSP 8/9/20, 2 HP from Experian Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Reconsideration occurs when you contact the issuer and ask them to reconsider your application. The boost in your credit limit could also raise your credit score as long as your spending stays at the same level. But on my credit reports, it clearly shows there are 2 new pulls recorded. 2023 Forbes Media LLC. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values.
Pay the bill on time for at least the first six months that you have the card. If you. Similarly, if you recently received an increase on an existing account, expect to wait at least six to 12 months before youre considered for another increase, assuming you manage your account responsibly in the meantime. Lastly, you can learn more about how to minimize the credit score damage by reading this article. Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score in some cases. Check CK for EQ and TU pulls. Credit Score ranges are based on FICO credit scoring. Hard: 1, 2, 3, 4, 5 Chase doesnt explicitly say which of the three major credit bureausExperian, TransUnion and Equifaxit uses to evaluate credit card applications for approval. But another factor that could affect your appeal to an issuer is your debt-to-available credit ratio. I agree its best not to be paranoid about it, but you dont have to While getting rejected for a credit card is never fun, the good news is that hard inquiries do not take up your 5/24 slots though too many of them might cause your application to be rejected, even if youre under 5/24. Hard inquiries, along with other aspects of your credit reports, may be used in the overall approval process, but only opened accounts affect your 5/24 limit. A few points? Chase will likely conduct a hard credit inquiry for any new credit card with a formal application. So what? To qualify for a Chase credit limit increase, you generally need to pay your bill on time for at least six consecutive months and otherwise manage your finances responsibly. A Citibank credit limit increase could either involve a soft pull or a hard pull. The lower the score the bigger chance there is of you defaulting on your loan and the less likely you are to get approved for a premium credit card, like the Chase Sapphire Reserve. Then went back to the main portal screen and it was back. Automatic credit limit increases are done at Chase's discretion, and there's no guarantee when one will occur. TPG values it at $1,600. Chase may either approve you immediately or notify you of its decision within a few weeks (via mail and/or email). Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. If you ask for a higher credit limit, most issuers will do a hard pull, or hard inquiry, of your credit history. We generally recommend consumers pay regular attention to credit scores and make sure it remains at an acceptable level. Barclays. Zero AA. So I decided to just go for it. Press 0 to speak with a customer service representative. This will not affect your credit score as it will be a soft pull. Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. Credit Inquiries Soft vs. Hard Inquiry & Score Impact. Recently some consumers that have applied for Chase credit cards have noticed two hard pulls (on the same credit bureau) on their credit report. There is no option to check the status of your application online. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Another reason to perform a product change is to utilize the benefits and earning rates of a new card without having to submit a new application. American Express, Capital One and Wells Fargo will not. Very easy, didnt get any pushback, and the rep said that he submitted the request, itll take 7-10 business days to get a response/decision in the mail, and then up to 90 days for Experian to update on their end. Press question mark to learn the rest of the keyboard shortcuts. Does Chase automatically increase credit limits? Recently some consumers that have applied for Chase credit cards have noticed two hard pulls (on the same credit bureau) on their credit report. Chase currently does not allow you to request a higher credit limit online. Past performance is not indicative of future results. New credit accounts include accounts on which you are either primary cardholder or an authorized user, plus any business or retail credit cards listed on your personal credit report. That's $900 toward travel when you redeem through Chase Ultimate Rewards. Looked through the T&C and saw a solid % and felt even better about apping. BTW, I think your SO is pretty lucky you scored her that card! WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Heres how to get a Chase credit limit increase: Just so you know, requesting a Chase credit line increase will result in a hard inquiry on your credit report. After two years, hard inquires completely drop off of your credit report. Honestly it sounds like her profile might fit the description of "aggressive credit seeking behavior", so I would lay low on applying for new cards right now or you risk getting adverse actions taken against the new and/or existing accounts. This question is about the Chase Freedom Unlimited. Issuers tend not to extend automatic increases until youve had a card for at least six months. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Yikes, my last 3 apps had double pulls on TU and one on experian. And give it some time. The statement credit will be posted to your account in 7-14 business days. You cannot request a credit limit increase from Chase online right now, but this option has been available in the past. How to Get an Automatic Credit Limit Increase From Chase read full answer. Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. If you request one, theyll do a hard pull. Wow. If you initiate the credit limit increase, there will be a hard inquiry. The other thing you need to watch out for is overspending. These are provided as guidelines only and approval is not guaranteed. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I recently got approved for the Bonvoy Boundless and sure enough, i see a double pull on the experian report. If youre new to credit, your profile may be better suited to a simple low annual fee cash-back card, like the Chase FreedomStudent credit card, rather than a pricey premium rewards card like the Chase Sapphire Reserve. Does this still show on your EX report? If she applies for another card (especially a Chase card) immediately after failing to get an Amex and taking out a personal loan, it could get ugly. If you dont have aspirational credit, try improving your score first before applying. The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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