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Chase Checking HP?

Frequent Contributor

Re: Chase Checking HP?

I took advantage of one of the cash back offers from opening a Chase checking account in 2008, they did a HP.  I later switched to BOA for checking, which resulted in another HP.  BOA did not require an HP when I later added a savings account as well.  I'm in NY though, so not sure if it differs from state to state.


Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Message 21 of 33
Valued Contributor

Re: Chase Checking HP?

Just opened a Chase Total Checking online on Monday, and checked my EX report today, no HP. They did SP me twice though, once on Monday, and once today.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 22 of 33
Valued Contributor

Re: Chase Checking HP?

opened a checking account a month ago and no HP

Message 23 of 33
Valued Contributor

Re: Chase Checking HP?

I just read my Signature Card.

 

I want to add that on the Signature Card it states: "...I authorize the Bank, at its discretion, to obtain credit reports and employment verifications on me."

 

So I guess if you are going to open a Checking account, be prepared for a HP because its possible, though not probable.

 

I was a current CC customer when I opened my checking account so maybe thats why they ddin't do a HP, just SPs

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 24 of 33
Established Contributor

Re: Chase Checking HP?

So here's a bit of an update:

 

I kind of lost track of time, then today realized it was the 14th and the coupon expires tomorrow. I did some googling around and found a $200 bonus coupon with a new checking account. I gave a local Chase branch a phone call, and asked why they needed a SSN, he simply said that they run your info through Chexsystems to make sure the account can be opened, he said nothing about pulling a credit report. So, on that note, I am going to finish my essay and haul a** down to the bank as I am leaving a minimum balance in my CU and will move to Chase for a 6 month perio, simply to recieve the bonus.

 

I'm starting to woner if it is really worth all this Smiley Frustrated

Message 25 of 33
Established Member

Re: Chase Checking HP?

I opened checking and savings 2 months ago and they did a soft pull for each account


Starting Score: 614 EQ FICO 635 TU (Lender Pull) 613 EX (Lender Pull)
Current Score: 614 EQ FICO 635 TU (Lender Pull) 613 EX (Lender Pull)
Goal Score: 750


Take the FICO Fitness Challenge

In my Wallet: Cap1 Platinum ($300 CL) Cap1 Cash Rewards ($500 CL) Chase Slate ($300 CL) Orchard Bank Platinum ($300 CL) Cap1 Sony Card ($500)
Message 26 of 33
Blogger

Re: Chase Checking HP?


logan_720 wrote:

So here's a bit of an update:

 

I'm starting to woner if it is really worth all this Smiley Frustrated


For me, it's been worth it. Between $300 in bonuses plus the 10+10 Freedom/Checking... more than worth it.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 27 of 33
Regular Contributor

Re: Chase Checking HP?

I want to open a chase to go with my Freedom, but I dont have a coupon.  I dont like the idea of buying one off ebay, so I guess Ill wait and hope to come across one.  $1500 minimum to avoid fees...thats a pretty good return for only 6 months of leaving it sit.

 

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)
Message 28 of 33
Valued Member

Re: Chase Checking HP?

When I opened a checking and a savings account at my local Chase branch last year, they also asked if I wanted a credit card.  I said yes and that resulted in a HP followed by approval for a Chase Freedom Visa with a $5,000 CL.  That was a my highest CL ever.  This year I opened a second checking account in-branch at Citibank.  They asked me the same question, I also said yes, and after a HP, I was instantly approved for the Citi ThankYou Premier MC with a CL of $6,500.  Applying in-branch has worked wonders for me in terms of approvals and high CLs.  Anyway, I don't think they would've done a HP if I had only opened the checking & savings accounts.  To my knowledge only CUs do that.  YMMV.

Message 29 of 33
New Contributor

Re: Chase Checking HP?

Today I applied for the Total Chase Checking and Savings accounts; and I don't have any credit products with them.  I'm happy to report that they pulled a soft inquiry on Experian under JP Morgan Chase.  I hope this helps - I'm going to wait for a pre-approved offer before I app for a freedom or CSP card.  Cheers!


logan_720 wrote:

So I recently came across a coupon to recieve $150 after opening a new Chase Checking account. At first I was ready to go in and open a new account, while still leaving my CU account open. I was wondering though, does Chase do a HP of your credit if you open a savings/checking account with them? If so, then forget it..




Message 30 of 33