Credit Cards

[GST2008]

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.

[SwiftTone]

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.

[oracles]

opened a checking account a month ago and no HP

[SwiftTone]

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

[logan_720]

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 

[dkicker07]

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

[FrugalRican]

---

logan_720 wrote:

So here's a bit of an update:

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

---

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

[honky]

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.

[mindacid]

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.

[jumpinjax]

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..

---