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This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
@Drew wrote:This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
Unfortunately when you requested the CLI you gave Chase permissible purpose to pull new reports. It sucks but that is how it works.
@09Lexie wrote:
^^^^plus Chase is about as pull happy as NFCU!
I don't think that's a secret.
LOL!
I feel your pain! Its terribly annoying.. I applied for the Chase Freedom last week and i received an alert on CK saying i received ahard pull... I was initially declined for the card so i did a recon.. the Analyst i spoke with said in order to recosnider my application she would like to pull a second report.. I was surpised and said "Didn't you already pull two?" She said no that they dont always pull two but if i wanted her to look over my application that she wouild like to see information on another report.. i saidno thank you and that was the end of the discussion.. 2 days later a pop up on experian stated i had a hard pull from chase which was not the same day as i applied so she DID in fact pull another report.. I was so mad! I just disputed the pull with Experian, hopefully it is removed.
@LS2982 wrote:
@Drew wrote:This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
Unfortunately when you requested the CLI you gave Chase permissible purpose to pull new reports. It sucks but that is how it works.
+1
And, as 09Lexie reiterated, it is definitely no secret. This is how Chase (and some other lenders) work.
@FinStar wrote:
@LS2982 wrote:
@Drew wrote:This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
Unfortunately when you requested the CLI you gave Chase permissible purpose to pull new reports. It sucks but that is how it works.
+1
And, as 09Lexie reiterated, it is definitely no secret. This is how Chase (and some other lenders) work.
The reason I thought I could do this was because they pulled a credit report two days before that for starters. Secondly, I have read on the board that people have had some success with Chase using a recent credit report or soft pull.
Maybe I am wrong.
@Drew wrote:
@FinStar wrote:
@LS2982 wrote:
@Drew wrote:This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
Unfortunately when you requested the CLI you gave Chase permissible purpose to pull new reports. It sucks but that is how it works.
+1
And, as 09Lexie reiterated, it is definitely no secret. This is how Chase (and some other lenders) work.
The reason I thought I could do this was because they pulled a credit report two days before that for starters. Secondly, I have read on the board that people have had some success with Chase using a recent credit report or soft pull.
Maybe I am wrong.
When people have success using the pull earlier that is usually done thogh Chase EO ot anothet backdoor method. YMMV of course.
@LS2982 wrote:
@Drew wrote:
@FinStar wrote:
@LS2982 wrote:
@Drew wrote:This in follow up to my previous thread about grouping recent Chase inquiries together; I have yet another set of inquiries from Chase (double pulled) on TU and EX, because of a credit limit increase request that was put through an online message for my Slate card. I sent Chase an online message advising them that this was not authorized and I had explained to the representative that the report from two days ago should have been used. I can't imagine how much my credit has suffered due to all these Chase inquiries; I am certain that I would not get approved for ANY cards at this point due to the sheer number of inquiries.
Now I am in the process of closing the Slate card and moving the entire credit line over to the Sapphire. Jeez Chase, I really liked you guys.
Unfortunately when you requested the CLI you gave Chase permissible purpose to pull new reports. It sucks but that is how it works.
+1
And, as 09Lexie reiterated, it is definitely no secret. This is how Chase (and some other lenders) work.
The reason I thought I could do this was because they pulled a credit report two days before that for starters. Secondly, I have read on the board that people have had some success with Chase using a recent credit report or soft pull.
Maybe I am wrong.
When people have success using the pull earlier that is usually done thogh Chase EO ot anothet backdoor method. YMMV of course.
+1
Another item to keep in mind, the forum boards only represent a small fraction of reported anectodal experiences, which in some cases reflect the exception to the norm for how some lenders operate given these situations. It serves as a guide as the results will vary by individual and are not always guaranteed.