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Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)

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In the process of applying for the credit card about each bank for the applicant's request, as well as some of their characteristics is necessary.This not only makes your application more smoothly, and also helps to avoid unnecessary rejections or do not receive your card rewards.Today to sum up the AMEX, BOA, BARCLAYS, CITI, CHASE the big banks at the time of application features you should know about.-Main aspects: application interval, HP, card rule, Reconsider, card rewards, SSN, considerations

Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)

 

AMEX(American Express)

  • Application interval: one day only seconds had a personal or business credit card (BCP,BCE,SPG,EDP) or debit card (PRG,PLT).If one has submitted two applications for credit cards, one will automatically be pending, or decline, you need to call to explain the situation, can pass.90 days only two personal cards or business cards and a debit card (charge card)
  • HP:
    • Because only a personal card, HP will not merge (another application will be once again in a few days after HP).If auditing is called immediately, and if by should be able to merge HP
    • Same day to apply for a personal card and charge card HP can merge (online confirmed)
    • If you already have an AMEX card, applications will be Soft Pull (does not have an impact on credit scores) if HP through once, and then give you a credit card.If it does not pass, there will be no HP you.
    • HP appears in Experian
  • Card rules:
    • No annual fee the BCE, ED for more than 3 months, charge card PRG,PLT more than half a year, aviation points cards for more than 8 months to be generally adopted (case with good credit records).
    • HP and the new account is not very sensitive
    • The same card won't be able to get two tickets
    • Credit card (including personal and business card) limit 4 (not including PRG,PLT such as charge cards, not including other Bank-issued AMEX card)
  • Reconsider: is checked identity addresses, fewer problems.
  • Opening bonus: the same card, the same type of card (annual fee card no annual fee version of its kind) could only come once in a lifetime card reward different types of cards can take away rewards application please look at the notes.
  • SSN: If there is a credit history, no SSN application online.
  • Note: applications for the best open browser incognito mode, or clear history and cookie, and will not detect you are AMEX users.

BOA(Bank of America)

  • Application: every day can apply for more than one credit card (same difference).If day submit two applications, one may automatically pending, you need to call to explain the situation.
  • HP: HP will merge
  • Card rules:
    • HP and the new account is not very sensitive
    • Short credit history students may get only 2 cards
    • The same card can get more than one
  • Reconsider: address check identity, asked card why
  • Opening bonus: the same card open card rewards you can repeat
  • SSN: based on no SSN to apply for cash back cards available at local banks, airline points card is unknown.
  • Note: air points cards are likely to downgrade cards, card rewards, it is not the original.So your credit record general caution applies.

Barclays

  • Application: every day can apply to several different credit cards.If two applications are submitted, no seconds, can call and explain the situation.
  • HP:
    • HP will merge
    • If you already have a Barclays card, applications will be Soft Pull (does not have an impact on credit scores) if HP through once, and then give you a credit card.If it does not pass, there will be no HP you.
    • General HP at TransUnion
  • Card pattern: sensitive to HP and, more recently, a new account, if you want to apply for more recommended Shen
  • Reconsider: address check identity, asked card why, understand your work, payments, and so on, need to be well prepared for.Most likely to move credit card.
  • Opening bonus: the same card can get multiple reward
  • SSN: unknown
  • Note: no

CITI(Citi Bank)

  • Application interval: 7 days can only apply for one, can only apply for two tickets for 65 days.More than words will automatically decline.
  • HP:
    • One cannot be more than one card, HP, of course, cannot be combined
    • General HP at Experian
  • Card rules
    • Sensitivity to HP and, more recently, a new account of medium
    • Cash back with no annual fee cards usually 3 months, airline points 8 months (credit under favorable conditions)
  • Reconsider: address check identity, is likely to let you remove credit limit
  • Opening bonus: within 18 months of the related or not open the card, approval again after getting card rewards
  • SSN: local bank without SSN based card or student card
  • Note: checking account could be helpful for applications, in particular the Citi Gold

Chase

  • Application interval: Shen arrived in one day more than one card
  • HP:
    • HP in one day to merge
    • General HP at Experian
  • Card rules
    • The new policy "two years five-card": no more than 5 new accounts within two years, or the card cannot be granted (for their Freedom,CSP,slate card), air hotel group cards are not affected (such as UA,BA and some hotel name card)
    • Cash back with no annual fee cards usually six months, airline points 8 months (credit under favorable conditions)
    • Same card cannot be directly applied for two
  • Reconsider: address check identity, is likely to let you remove credit limit
  • Opening bonus: two years, did you take the card open card rewards and then applied again got the card rewards.
  • SSN: local bank without SSN based card (doubtful)
  • Note: checking account could be helpful for applications

Discover

  • Application interval: unknown
  • HP:
    • Unknown HP could be combined in one day
    • General HP at TransUnion
  • Card rules
    • Just got my SSN can apply to the
    • The same card can hold two, an application must call
  • Reconsider: address check identity, is likely to let you remove credit limit
  • Opening bonus: the same card can have many rewards
  • SSN: unknown
  • Note: no

Summary

Above sums up just from the current policies and data, and may change at any time, the blogger will update.Detailed analysis about the content, please see the following articles:





Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)
Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)
Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)
Talking about the credit card application – Bank properties (AMEX, BOA, BARCLAYS, CITI, CHASE, Discover)

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