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Chase 6 month for applying after denial - hard rule?

Frequent Contributor

Chase 6 month for applying after denial - hard rule?

So I app'd for the Freedom card back in May and was denied for too many inquiries in the last 12 months.  All my inquiries have now aged to the 12 month + mark ( I did quite a few apps last August).

 

The question is, how strict is Chase on the 6 month rule ( their apps say I have not been declined by Chase in the last 6 months) ?

 

Is it worth apping for the Freedom card, especially with the $250 bonus they are offering since it has been less than 6 months since the denial?

 

Fico (according to my Walmart Fico - 781)

 

thanks!

Message 1 of 20
19 REPLIES
Valued Contributor

Re: Chase 6 month for applying after denial - hard rule?

Might as well if you want the card.  I got accepted with a 716, 1 inquiry, and >50% util.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Message 2 of 20
Frequent Contributor

Re: Chase 6 month for applying after denial - hard rule?

which report does chase pull?

 

Message 3 of 20
Valued Contributor

Re: Chase 6 month for applying after denial - hard rule?


aleicgrant wrote:

which report does chase pull?

 



EX

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Message 4 of 20
Frequent Contributor

Re: Chase 6 month for applying after denial - hard rule?

EX meaning experian?

Message 5 of 20
Frequent Contributor

Re: Chase 6 month for applying after denial - hard rule?

Chase has always pulled TU for me when I've appd for CC products. 

 

Don't know why but its strange.  

Message 6 of 20
Frequent Contributor

Re: Chase 6 month for applying after denial - hard rule?

I applied for the Southwest card in March, denied, apped again in May and instant approval. Pulled EX both times. Chase is unpredictable.


Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Message 7 of 20
Established Contributor

Re: Chase 6 month for applying after denial - hard rule?


jason86423 wrote:

So I app'd for the Freedom card back in May and was denied for too many inquiries in the last 12 months.  All my inquiries have now aged to the 12 month + mark ( I did quite a few apps last August).

 

The question is, how strict is Chase on the 6 month rule ( their apps say I have not been declined by Chase in the last 6 months) ?

 

Is it worth apping for the Freedom card, especially with the $250 bonus they are offering since it has been less than 6 months since the denial?

 

Fico (according to my Walmart Fico - 781)

 

thanks!


$250.00? Can you or someone else post a link for that offer?

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 8 of 20
Frequent Contributor

Re: Chase 6 month for applying after denial - hard rule?

Message 9 of 20
Established Contributor

Re: Chase 6 month for applying after denial - hard rule?

Thanks!

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 10 of 20