Southwest Rapid Rewards Visa - 50K points after spending $1000 in first three months

ended up applying and was approved... thx OP

Quote from the.J129 : Actually, the point EPoP was making is that when you apply for...say...5 credit cards, whether with one company or many, if you do it over a period of weeks, then by the time you're applying for th 3rd and the 4th and the 5th, the credit company can already see that you applied for the 1st and the 2nd... And then they begin wondering, why do you need so many credit cards. If you apply for all 5 together , then even if you're denied of one or more of them, getting an approval for it is easy, because when you call the recon number, they DON'T see the other inquiries, because they are happening right then, in real time. So they are much more likely to approve you because they don't know about the other credit cards. Nobody is denying the fact that each application is one hard pull (atleast 99% of the times)..what we're talking about is the advantage of applying for them together.

Ah interesting, got it. So would you use this strategy when applying to multiple cards with different companies ie chase, citi, etc. If I applied for a plus and a premier today with chase, you're saying they wouldn't see the other application if I got denied for one?

I think you're right though, this is the best way to do it. At least with Chase, I applied for the premier 3 months ago, was instantly approved. Then 2 weeks later, I applied for plus business and was initially denied, the rep said it was an automatic denial by the system bc I had applied for multiple cards in too short of a time frame. I eventually got accepted for second one after I called recon line and now i have companion status for this year and next year!

Quote from wholeinone04 : Ah interesting, got it. So would you use this strategy when applying to multiple cards with different companies ie chase, citi, etc. If I applied for a plus and a premier today with chase, you're saying they wouldn't see the other application if I got denied for one?

Chase would probably see it...But if you also applied for Amex and Citi, they wouldn't.


Glad I could help!

Ok I admit I have not read every word on thread..
Question, if you now have the basic card. could you at renewal time call and get upgraded to the card with the 99 annual fee or and get the 6000 points or should I cancel and reapply in a few month or year? and once the points are put into your acct they stay even if you cancel card right?

i dont think it's realistic for people to read multipage threads just hoping to find the answer to your question. whats wrong with asking? you experts should have sympathy for noobs who are ignorant like you used to be.

i would like to know the answer to the above question too.

Quote from granmanh : Ok I admit I have not read every word on thread.. Question, if you now have the basic card. could you at renewal time call and get upgraded to the card with the 99 annual fee or and get the 6000 points or should I cancel and reapply in a few month or year? and once the points are put into your acct they stay even if you cancel card right?

I'll be honest in saying that I don't know the answer to your question. But answer me this, what card do you have? What exactly is a "basic card" ?


I do that, you have a chance of getting blacklisted/account cancelled and points taken if you cancel your card after getting the bonus points. Wait for ATLEAST 8 months. You're no losing out. You've already paid the annual fee. What difference does it make? Play it safe..Cancel after 8-10 months.

You know what?...Play it smart too, DON'T cancel... and rather Apply for a NEW Chase credit card (a different one, where you've not gotten the bonus offer before)
If you get approved, then awesome..If you don't get approved, then tell Chase to cancel the card. That way, in Chase's book, you didn't cancel..they cancelled it.

Quote from dyhppy : i dont think it's realistic for people to read multipage threads just hoping to find the answer to your question. whats wrong with asking? you experts should have sympathy for noobs who are ignorant like you used to be. i would like to know the answer to the above question too.

I don't think it's realistic to read 100 pages. and there's nothing wrong in asking...But I think it's totally realistic to read 10-12 pages.
This is not the general theory of relativity. It's an easy read.


Yes, I was a newbie too. And not too long ago at that. But whenever I had a doubt, I would first try and read and find out what I could by research. If I was in a thread, I usually read the last 4-5 pages...minimum.

We have plenty of sympathy and nobody can accuse me of not helping out..just go back a few pages. Jeez.
But it gets tiring when you've just answered 40 questions that someone came up with..and then a few posts down, someone asks the same question, when they could just glance up, do a little reading and get the answer. THAT'S the part that gets me. I have done my share of asking a million questions. But they were questions I couldn't find the answer to, I never expected anyone to spoonfeed me.

Having said that, I don't know the answer to YOUR question..and I didn't tell YOU to read back. I told user ashish20000. I had literally answered the same question 2 pages back. And I didn't relish typing all that all over again.


Ask a question that you COULDN'T find the answer to...Or do your research and then ask us what part you didn't understand, and we would be more than happy to help!


Cheers.

Long time reader . LazyBOy. Finally posting to help my fellow slick dealers who are in Same Boat.

1)Dec 2011, had SW personal Plus card.
2)1 month back applied Chase Slate . After consulting credit recon approved 5k. moved another 6k(total 11k) from freedom and SW card. Closed Freedom card.
3)3 days back applied BOA master card approved for 10k.
4)2 days back applied SW personal premium . Approved for 3k.
5)Next day Again applied SW business plus. Approved 4.5k.

So 3 SW got it.
My FICO score 680. credit history 4 years. I hope above information clarified lot of doubts like. Thanks So much SD. I started credit card game after seeing SD. It Covering my other expenses.

My Closed accounts .
1.Chase freedom - 2 yrs
2.Discover - 1 yr
3.AMEX - 1 Yr
4.Kohls - 1 yr
5.Sears - 2 Yrs

My open accounts.
1)DCU - 4 years history , keeping just for history.
2)3 Chase SW cards
3)1 Chase slate
4)Discovery
5)BOA master card

So Total 7 accounts (4 chase, 3 rest) . Now score 680. How many credit cards can open? Did chase allowed more than 4 cards?Before opening any new rewards credit card do i need wait any cooling period 6 months. Please reply experts.

Quote from chinkdup : I recently canceled my card from last year, wondering how soon, if possible, i can reapply and of course, qualify for the bonus 50k. thanks

Very quickly, my wife cancelled her card weeks ago and she just got pre approved again.
I have done this twice and my wife is on her second turn. Just Awesome

Quote from daveddd : Very quickly, my wife cancelled her card weeks ago and she just got pre approved again. I have done this twice and my wife is on her second turn. Just Awesome

seems from what I've read that if it's the same card that was cancelled, she won't get the 50,000 points

Quote from the.J129 : I'll be honest in saying that I don't know the answer to your question. But answer me this, what card do you have? What exactly is a "basic card" ? I do that, you have a chance of getting blacklisted/account cancelled and points taken if you cancel your card after getting the bonus points. Wait for ATLEAST 8 months. You're no losing out. You've already paid the annual fee. What difference does it make? Play it safe..Cancel after 8-10 months. You know what?...Play it smart too, DON'T cancel... and rather Apply for a NEW Chase credit card (a different one, where you've not gotten the bonus offer before) If you get approved, then awesome..If you don't get approved, then tell Chase to cancel the card. That way, in Chase's book, you didn't cancel..they cancelled it. I don't think it's realistic to read 100 pages. and there's nothing wrong in asking...But I think it's totally realistic to read 10-12 pages. This is not the general theory of relativity. It's an easy read. Yes, I was a newbie too. And not too long ago at that. But whenever I had a doubt, I would first try and read and find out what I could by research. If I was in a thread, I usually read the last 4-5 pages...minimum. We have plenty of sympathy and nobody can accuse me of not helping out..just go back a few pages. Jeez. But it gets tiring when you've just answered 40 questions that someone came up with..and then a few posts down, someone asks the same question, when they could just glance up, do a little reading and get the answer. THAT'S the part that gets me. I have done my share of asking a million questions. But they were questions I couldn't find the answer to, I never expected anyone to spoonfeed me. Having said that, I don't know the answer to YOUR question..and I didn't tell YOU to read back. I told user ashish20000. I had literally answered the same question 2 pages back. And I didn't relish typing all that all over again. Ask a question that you COULDN'T find the answer to...Or do your research and then ask us what part you didn't understand, and we would be more than happy to help! Cheers.

Ok I have a card that annual fee is 59 a year I got it at least 4 yrs ago, I do not even remember what I got for signing up... I do not want to cancel before the year is up, just if I did cancel this card to apply for a new premier card with the 6000 points per year and 99 annual fee, would I lose the points that I now have in my RR acct.
I did read the first few pages then hopped to the end and no one seemed to be asking or answering my question... I maybe missed 2 pages... Sorry

Quote from granmanh : Ok I have a card that annual fee is 59 a year I got it at least 4 yrs ago, I do not even remember what I got for signing up... I do not want to cancel before the year is up, just if I did cancel this card to apply for a new premier card with the 6000 points per year and 99 annual fee, would I lose the points that I now have in my RR acct. I did read the first few pages then hopped to the end and no one seemed to be asking or answering my question... I maybe missed 2 pages... Sorry

Don't apologize! You're making me feel bad!


Firstly, you do realize,I hope, that when you cancel that card, your giving up a nice chunk of credit history with it..


Secondly, the taking away of points is done only when you cancel your account right away after getting the bonus points.


Thirdly, make sure that you're not signing up for the same card that you had earlier, to make sure that you get the bonus points...and you should be all set!


Cheers!

My SO applied for Personal Premier card in January, instantly approved.
Applied on 7/17 for Business Premier and received pending screen.
Called on 7/19, was asked to verify name and address, approved for 20K.

Used name as Business name. Did not fill in what type of business and was not asked.

Now off to earn 10K rapid reward points for companion pass.

i understand where you are coming from. to be clear, i really appreciate your help. but i never asked YOU to help me. I was asking if anyone in the community would be willing to help. if you were annoyed, then you didnt have to reply. the diff between you and a noob is that you know that the answer is somewhere in the thread, but when you're new sometimes you're just really confused and want guidance. i think this is an issue of self centered-ness. the world would be a better place if we could see things from the perspective of those who have/know less than us.

again, thank you for helpin me.