One App, multiple HP

[gardoave]

I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply.  The next day I received an alert from Exp and TU that there has been a credit inquiry.  Has anyone ever heard of Chase or any other bank using more than one HP?

[CreditRookie22]

Yes, they can. It usually means you were borderline. What did ur cr look like?

[Libra85]

---

@gardoave wrote:

I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply.  The next day I received an alert from Exp and TU that there has been a credit inquiry.  Has anyone ever heard of Chase or any other bank using more than one HP?

---

Capital One pulls all 3 reports. 

[gardoave]

I have 6 accounts in good standing.  My three credit cards are reporting at $0 ($1800 total CL) and I do not have any collections but the bad thing that I have on my report are my student loans which are currently in rehab.  

[CreditRookie22]

You should let all but one card report zero balance and the one should report 1-9%. Your score could of been maximized and maybe could of prevented it IMHO

[myjourney]

---

@gardoave wrote:

I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply.  The next day I received an alert from Exp and TU that there has been a credit inquiry.  Has anyone ever heard of Chase or any other bank using more than one HP?

---

Chase Citi Amex Discover have all been known to double and even sometimes triple pull for borderline apps ...Sorry 

[newUser0]

For me chase always pulls 2. (EX and TU)

[09Lexie]

---

@gardoave wrote:

I have 6 accounts in good standing.  My three credit cards are reporting at $0 ($1800 total CL) and I do not have any collections but the bad thing that I have on my report are my student loans which are currently in rehab.  

---

Any lender can pull multiple boards in an attempt to approve an app.  Were you approved?

[gardoave]

We shall see.  When I called the automated application status number it says that I will receive a decision in the mail within 10 days so it probably looks like I did not get approved but I do have to say my TU score is better than my Exp.  

[newUser0]

It looks like a verification. Call the recon tomorrow, they will tell the status