Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Frequent Contributor
CreditMuppet
Posts: 302
Registered: ‎08-05-2011

Chase - Multiple Products, Single Inquiry Experiences?

[ Edited ]
Options

‎07-06-2012 09:38 AM - edited ‎07-11-2012 09:23 AM

I am currently considering applying for some of Chase's products, specifically looking at the Chase Sapphire Preferred and the Chase British Airways Signature Visa.

 

Anyone applied for multiple Chase products in a day and only recieved a single inquiry?, and for those on the east coast what CRA was pulled? I`m in PA.

 

I have heard of success applying for multiple products in a day, w/recon on the second app, but wasn't sure if another inquiry is pulled for the recon.

 

Looking forward to any experiences!

 

Thanks!

 

UPDATE: Pulled the trigger on the British Airways Visa Signature, and got a hard pull on both TU and EX!!

Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 1 of 11 (664 Views)
 
Reply
Regular Contributor
Smerri1029
Posts: 188
Registered: ‎10-22-2010

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-06-2012 12:34 PM

In MA they pulled EX for me (for 4 cards over the last year). It is my understanding that two apps will result in 1 HP (with app 2 being denied and having to recon). YMMV however but this is what I have come to learn from other posts.

What's In My Wallet:American Express Starwood Preferred Guest Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Blue, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
Message 2 of 11 (595 Views)
 
Reply
Established Contributor
emptypockets
Posts: 537
Registered: ‎02-03-2009

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-06-2012 12:39 PM

I recently apped for Freedom and CSP (within about 8 days of each other). 2nd card was not instant approval, but was approved within about 30 mins (called app status line). Only had one hard pull. I am in MI, and they pulled TU for me.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (6/3/13): 799; EX (6/14/13: 790
Message 3 of 11 (586 Views)
 
Reply
Contributor
Voodard
Posts: 81
Registered: ‎06-13-2012

Re: Chase - Multiple Products, Single Inquiry Experiences?

[ Edited ]
Options

‎07-06-2012 03:05 PM - edited ‎07-06-2012 03:36 PM

OP:

Your FICO scores are high enough to where if Chase made two HPs you'd be just fine. I wouldn't worry about it too much.

TU 743 as of 5/12
EQ 765 as of 10/12
EX Plus 780 as of 7/12

Cards in wallet: Chase Sapphire Preferred ($25k) Chase Freedom (8k) NFCU Platinum ($24k) HHonors Reserve ($11k)
United MileagePlus Explorer ($17k)
Message 4 of 11 (538 Views)
 
Reply
Frequent Contributor
CreditMuppet
Posts: 302
Registered: ‎08-05-2011

Re: Chase - Multiple Products, Single Inquiry Experiences?

[ Edited ]
Options

‎07-11-2012 08:17 AM - edited ‎07-11-2012 08:19 AM

I pulled the trigger on the British Airways card, instant approval BUT they pulled both TU and EX!! Ouch!  Anyone else seen this?

 

Inquiries at the time of application EX (1) EQ (0) TU (2)

Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 5 of 11 (400 Views)
 
Reply
Regular Contributor
SanjeevR
Posts: 121
Registered: ‎01-10-2012

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-11-2012 08:36 AM

It's not uncommon for a bank to hard pull one CRA while softing the others. Are you sure they were both hard?

Starting scores: Around 630 (Sep 2011)
Current FICO scores: TU ‘08 792 (Walmart) • EQ 765 • EX 771 (Amex)
Prime cards: JP Morgan Select (30K) • HHonors Reserve (30K) • Chase United MileagePlus Explorer (20K) • Chase Sapphire Preferred (20K) • Amex Hilton Honors Surpass (20K) • Amex BCP (20K) • Barclay Ring (20K) • Citi Thank You Premier MC/Visa (16K Combined) • Discover Escape (10K) • Amex SPG (5K) • Amex Premier Rewards Gold • US Bank Cash+ (5K+???)
Message 6 of 11 (390 Views)
 
Reply
Frequent Contributor
CreditMuppet
Posts: 302
Registered: ‎08-05-2011

Re: Chase - Multiple Products, Single Inquiry Experiences?

[ Edited ]
Options

‎07-11-2012 08:54 AM - edited ‎07-11-2012 08:58 AM

Yes, TU and EX, both were hard pulls, confirmed via USAA Credit Monitoring.
Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 7 of 11 (372 Views)
 
Reply
Regular Contributor
SanjeevR
Posts: 121
Registered: ‎01-10-2012

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-11-2012 09:00 AM

OK. That's surprising that it went through that way.

Starting scores: Around 630 (Sep 2011)
Current FICO scores: TU ‘08 792 (Walmart) • EQ 765 • EX 771 (Amex)
Prime cards: JP Morgan Select (30K) • HHonors Reserve (30K) • Chase United MileagePlus Explorer (20K) • Chase Sapphire Preferred (20K) • Amex Hilton Honors Surpass (20K) • Amex BCP (20K) • Barclay Ring (20K) • Citi Thank You Premier MC/Visa (16K Combined) • Discover Escape (10K) • Amex SPG (5K) • Amex Premier Rewards Gold • US Bank Cash+ (5K+???)
Message 8 of 11 (360 Views)
 
Reply
Super Contributor
CS800
Posts: 6,149
Registered: ‎04-07-2008

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-11-2012 09:11 AM

That sound great a la AMEX style

 

Im in MA and they pulled EX for me.





Message 9 of 11 (344 Views)
 
Reply
Frequent Contributor
CreditMuppet
Posts: 302
Registered: ‎08-05-2011

Re: Chase - Multiple Products, Single Inquiry Experiences?

Options

‎07-11-2012 09:21 AM

Yeah I was surprised given that I do not believe I was a marginal approval, and the fact that I have two other Chase Cards with a 10+ year history. The only baddie I have on any of my reports is a 30 day late from March 2009.

Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 10 of 11 (336 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+