Reader Story: Part 2– Application Day

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I have a friend who, after about five months off from applying for any new cards, decided to give it another go recently. He is writing a series for MileValue on his experience. Below is Part 2: applying for the Ink Plus and the British Airways Visa Signature by Chase, as well as the Alaska Airlines Visa Signature and Business credit cards by Bank of America. Read Part 1 if you haven’t, where he explains how he decided on those cards. Take it away, buddy:

In Part 1 of my story, I explained to you why I decided to apply for the following cards:

  • the Ink Plus by Chase
  • the British Airways Visa Signature by Chase
  • the Alaska Airlines Visa Signature card by Bank of America
  • the Alaska Airlines Visa Business card by Bank of America

To put it simply, I decided on applying for the Ink Plus and the British Airways cards as a last ditch effort–to see if I could slip them in before the Chase 5/24 rule completely solidifies. People on FlyerTalk have been reporting lots of denials and some approvals, so I wanted to give it a shot. Might as well, since I don’t plan on taking any two year breaks from this hobby any time soon and the longer I wait, the less likely I am to be approved.

The Alaska cards I decided on because I didn’t want to add a ton of required spend to the $7,000 I would need to put out for the Chase card bonuses. I found a link to apply for the personal card in this Flyertalk thread that offers 25,000 miles just for signing up, and the business card’s official public offer only requires one purchase to earn the 25,000 mile bonus.

Read on to find out what happened when I applied.

Applying for the Chase Cards

I started with the Chase cards, the Ink Plus and the British Airways Visa Signature, and received the same response.

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Both applications would require further review. Buzz kill. All things considered, 90% of me was expecting this response, so I couldn’t be too disappointed.

I immediately returned to the FlyerTalk thread I found about applying for Chase cards, in search of the reconsideration phone number as it is standard practice to call when you receive this type of pending application response from a bank. But as I was skimming through the wiki at the top of the thread, I came across the following statement:

“It may be better to avoid calling Chase unless your application is denied. Many recent calls on pending applications led to denials, and many people report having success letting applications work their way through the system. Be patient. Time is on your side; increasingly, Chase [customer service representatives] are not.”

I found this to be interesting and also make sense, so I heeded the advice and didn’t call the reconsideration line.

Applying for the Bank of America Cards

Next up was the Alaska Airlines Visa Business card, which I was auto-approved for!

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The final application was for the Alaska Airlines Visa Signature card. Perhaps it was because I filled out the application just minutes after I had applied for the business card, I’m not sure, but I received another “we can’t give you a decision right now” pop-up:

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The FlyerTalk thread that discusses the application process for the Alaska cards does not advise against calling Bank of America’s reconsideration line like the Chase thread did, so I called 1-866-811-4108 to discuss my application with a Bank of America representative.

I am accustomed to this conversation as I have had it multiple times before. I always start out with the same line:

“Hello, I recently applied for your ____________ card and was told that more time was needed to review my application. I am calling to see if there is any information I can provide you with that would help speed along that process.”

I always strive to sound extra friendly. The reps on the other end have never ask me more than surface level questions that I already answered on the credit card application.

And that’s exactly how this call to Bank of America reconsideration went. The rep asked me who I worked for and what I did for a living, to which I answered briefly and truthfully. And that was it. He congratulated me on approval, and let me know that I would get my card in the mail in the next seven to ten business days.

The 25,000 miles from opening the personal card have already hit my Alaska Mileage Plan account, and the other 25,000 from the business card will hit shortly, once I purchase something with it and this month’s statement closes.

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Waiting Out Chase

In the next post, I’ll have Chase’s decisions about my applications for the Ink Plus and the British Airways Visa Signature. Dun…dun…dun…cliffhanger!

Final Words by Scott

Curious as to how his luck turns out with the dreaded Chase 5/24 rule? I am. Tune in next time to see the results!

If you want to apply for the British Airways Visa Signature,  Alaska Airlines Visa Signature, or the Ink Plus (all mentioned in this post) please consider doing so through the links below. I receive a commission, and your support keeps this blog going.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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