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Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
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Chase Card Services (Argh)

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.

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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Chase Card Services (Argh)


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.




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09Lexie
Posts: 25,053
Registered: ‎09-13-2012
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Re: Chase Card Services (Argh)

^^^^plus Chase is about as pull happy as NFCU!

I don't think that's a secret.
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MsLadyRover
Posts: 2,811
Registered: ‎03-14-2012
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Re: Chase Card Services (Argh)


09Lexie wrote:
^^^^plus Chase is about as pull happy as NFCU!

I don't think that's a secret.

LOL!



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CreditFromAbove
Posts: 5
Registered: ‎05-23-2013
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Re: Chase Card Services (Argh)

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.

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Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
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Re: Chase Card Services (Argh)


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.

Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
0

Re: Chase Card Services (Argh)


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.

 

American Express Blue Cash Everyday $25000
Capital One Venture World MasterCard $10000
Chase Freedom Visa Signature $10000
Chase Sapphire Visa Signature $15000
Discover IT $8000
GEMB Old Navy Visa $25000

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Card Services (Argh)


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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: Chase Card Services (Argh)


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.

Regular Contributor
TM82
Posts: 198
Registered: ‎05-31-2011
0

Re: Chase Card Services (Argh)

The expectation that credit line increases are soft pulls should not be the norm. You are seeking additional credit and should there fore expect a hard pull and if you get a soft be happy that it was just a soft. The simple fact that Amex only softs is an abnormality not the standard. Whether or not Chase pulls two reports or one is another argument. I've only experienced one on all my apps.

Your anger towards Chase in this instance is not really their fault, you requesting an increase basically gave them permission to pull your reports, even if they already did 2 days prior.
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