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jw
jw

Cancelled due to credit freeze.
Assuming a hard pull…

V
V

Denied due to 7/12 chex

FOMO
FOMO

I applied on Sunday. I was declined due to Chex. I checked out my Chex Report.

Last 12/24/36 months: 10 inquiries (including Sound CU). These inquiries were only from 7 banks (including Sound CU). So I’d say it is pretty Chex sensitive. I only started this bank bonus game in Nov 19 so the exact same number of inquires over 24 and 36 months.

Last 6 months: 7 inquires (including Sound CU) from a total of 6 banks.

Ben
Ben

Applied a few weeks back, denied due to Chex.

Daedalus

DPs from old bonuses say that paypal charges fees for funding with a credit card.

FOMO
FOMO

Thanks for the heads up about this. I found that it wasn’t an automatic process and I am not even sure if they are going to open the account at this point. If they do, I will tell them not to do the paypal funding and I will fund later via other means (ACH).

FOMO
FOMO

One thing I noticed is that if you have a direct relative in WA you qualify, or if you work for a select # of employers, you also qualify. I appear to meet the employer criteria even though I don’t work or live in WA. My employer is headquartered in WA and has a big presence there.

Also, Chase Freedom via Paypal Key would provide a nice 5% bonus for the first $1.5k. I might give this one a try.

Jake
Jake

Chase may charge cash advance fee.

FOMO
FOMO

Well, I actually didn’t use Paypal key because I was not thinking and that would be like credit card funding. Instead if I get that far, I will do a regular purchase via Paypal with Chase Freedom as the preferring funding source for the charge. That should avoid a cash advance fee right? Also I have set my cash advance limit so that the transaction would fail instead since the purchase would be above that limit.