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Frequent Contributor
Posts: 324
Registered: ‎01-10-2011
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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!

Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
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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
Frequent Contributor
Posts: 290
Registered: ‎08-29-2011
0

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

which report does chase pull?

 

Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
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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
Frequent Contributor
Posts: 290
Registered: ‎08-29-2011
0

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

EX meaning experian?

Frequent Contributor
Posts: 324
Registered: ‎01-10-2011
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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.  

Frequent Contributor
Posts: 253
Registered: ‎06-10-2011
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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


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Established Contributor
Posts: 529
Registered: ‎08-05-2009
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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?

Mine- 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 / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
Frequent Contributor
Posts: 324
Registered: ‎01-10-2011
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Re: Chase 6 month for applying after denial - hard rule?

Established Contributor
Posts: 529
Registered: ‎08-05-2009
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Re: Chase 6 month for applying after denial - hard rule?

Thanks!

Mine- 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 / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
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