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Valued Member
Posts: 313
Registered: ‎04-25-2013
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Re: Chase Card Services (HP)

Does Chase ever SP? I apped for their Freedom, and Amazon Visa pretty close to each other, and I got letter for the Freedom (w/ the card) yesterday and it had the exact same score, and exact same reasons it gave for APR... could they have used same report? Didn't get an alert through CS for an EXP pull. 

 

If they use same report, this could help some people as OP above.

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Established Contributor
Posts: 699
Registered: ‎03-16-2012
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Re: Chase Card Services (HP)

I requested an increase for my freedom last week from $1k to $5k ... Was approved and no hard pull...... I think 99% they'd hp but sometimes youll get lucky and get a sp

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Chase Card Services (HP)

Count on a HP for chase, until it doesn't happen to you.
From my experience the HP for cli has been very worthwhile however. Use the card a lot, manage your finances well, and then try asking for another cli
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: Chase Card Services (HP)

Chase has some great products but I just can't wrap my head around giving up an HP for CLI. The Freedom card is great but I would have probably seen more growth from some other company, especially considering the HP falls off in July.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Regular Contributor
Posts: 198
Registered: ‎05-31-2011
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Re: Chase Card Services (HP)

I took a HP from BoA on TU for an increase from $4,100 to $10,000. Didn't like getting a HP, but no one really pulls TU for me and for almost 2.5 times it was worth it.
My Cards
American Express Blue | American Express Premier Rewards Gold | Chase Amazon | Chase Freedom | Chase Sapphire Preferred | Chase United Explorer | Chase United MileagePlus Club | JPMorgan Palladium

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Chase Card Services (HP)


TM82 wrote:
I took a HP from BoA on TU for an increase from $4,100 to $10,000. Didn't like getting a HP, but no one really pulls TU for me and for almost 2.5 times it was worth it.

grats!

definitely worth it.

 

Also to add to OP: Always expect a HP whenever you seek credit. Banks that do SP for any kind of credit decisions should be considered as the exception (or a privilege), not a right.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,589
Registered: ‎11-10-2012
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Re: Chase Card Services (HP)


Drew wrote:

The total amount of HP's from Chase within the last month is 6. Is there a way to do something about this either through Chase or through the CRA so that they only show as one?


If they are valid, i.e. because of apps or CLI requests, Chase will probably tell you that it is against "the rules" to expunge legitimate inquiries. 

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Moderator Emeritus
Posts: 12,939
Registered: ‎12-30-2011
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Re: Chase Card Services (HP)


drkaje wrote:

Chase has some great products but I just can't wrap my head around giving up an HP for CLI. The Freedom card is great but I would have probably seen more growth from some other company, especially considering the HP falls off in July.


Given that inquiries were designed in the FICO model to depict credit seeking behavior, it's the SP CLI crowd that are outliers Smiley Happy.

 

That said, I'm certainly not chasing limits on my own Chase card until I have one real limit much higher (*cough* Amex)

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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