r/churning • u/AutoModerator • 7d ago

Daily Question Question Thread - March 31, 2025

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u/HElGHTS 7d ago

850+ credit score. Suppose I applied and was instantly approved for an Ink card on Jan 20, and then I applied and was instantly approved for a Chase United Business card on March 22. Suppose I want another one of the exact same Ink card for an upcoming purchase that I must make by April 17th, which would require applying for that Ink card at least a week prior (if requesting expedited delivery) or more (if avoiding that phone call). That would mean applying around April 10th, give or take, which is only 19 days after the Chase United Business app/approval.

Is that a bad idea? I've heard it's best to wait at least a month between each (from the people suggesting rapid-fire Ink SUBs), but maybe I can get away with it once... what's the worst that happens? Whether I skip the whole idea or I try but get denied, I'm in the same position either way of missing my April 17th transaction, so I don't really care unless there could be other repurcussions.

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u/Original_Comfort6321 7d ago

Low chance of approval and potentially inviting more eyes to your account... not sure why you would do that. "Is that a bad idea", you know what is recommended so apply at your own risk

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u/HElGHTS 7d ago

Fair enough. My next big transaction after that would require having the card around May 9 so I'd apply around April 28. This is more than 1 month since opening the United. Would this be considered significantly less risk than my earlier question which involved less than a month between?

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u/Original_Comfort6321 7d ago

Yes- but just remember its 30/31 days MINIMUM but ideally you'd like 90 days in between.. remember this is a marathon, not a sprint

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u/mets2016 7d ago

You can have Chase Ink cards expedited to you (1-2 business days to arrive), so you can push back your application date a few days if you need the card by May 9th

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u/HElGHTS 7d ago

If it'll be >31 days already, does waiting a few more days (which then requires expediting -- not a big deal of course) actually matter?

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u/brute_cage 6d ago

be the DP and report back how it goes!

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u/jtevy 7d ago

Go for it. Don’t make it a habit and keep your average time between applications 3-4 months with Chase. Probably means no Chase applications for another 6 months after this. This ‘once’ shouldn’t be a problem

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u/HElGHTS 7d ago

Well it wouldn't be "once" so much as "twice" (the first Ink to the United represents the first less-than-average interval, and then the United to the second Ink will represent the second). So if it's pretty safe to have 2 less-than-average intervals followed by a cooldown, that would be helpful.