topic Re: Which CR does Chase use? in Credit Card Applications

Which CR does Chase use?

MadTechnologist — Sat, 14 May 2016 21:35:54 GMT

I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.

Re: Which CR does Chase use?

Anonymous — Sat, 14 May 2016 21:39:02 GMT

As with most banks, they can and do pull from any of the 3 bureaus. It generally tends to be one in a given area, but in my case they hit TU for CSP app, and EX for FU app.

Re: Which CR does Chase use?

Anonymous — Sat, 14 May 2016 21:40:20 GMT

@MadTechnologist wrote:
I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.

They wont pull all 3 but are known for pulling 2 at a time while others only get a single report pulled. It can vary by state so your best bet is too Google 'credit pulls database' and check there.

Re: Which CR does Chase use?

MadTechnologist — Sat, 14 May 2016 21:46:57 GMT

@Anonymous wrote:
@MadTechnologist wrote:
I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.
They wont pull all 3 but are known for pulling 2 at a time while others only get a single report pulled. It can vary by state so your best bet is too Google 'credit pulls database' and check there.

I have never heard of this site, but I will definitely be using it from now on, thanks!

It seems that some people did get approved with scores in my range. But, not many, so it's definitely a YMMV type of thing.

Re: Which CR does Chase use?

MadTechnologist — Sat, 14 May 2016 21:49:03 GMT

@Anonymous wrote:
As with most banks, they can and do pull from any of the 3 bureaus. It generally tends to be one in a given area, but in my case they hit TU for CSP app, and EX for FU app.

So they pulled different CR for 2 different cards, but only1 at a time for you?

Re: Which CR does Chase use?

SouthJamaica — Sat, 14 May 2016 21:51:43 GMT

@MadTechnologist wrote:
I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.

My experience has been that they pull EX.

But I have heard reports of them doing a double pull too.

Re: Which CR does Chase use?

MadTechnologist — Sat, 14 May 2016 21:53:46 GMT

@SouthJamaica wrote:
@MadTechnologist wrote:
I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.
My experience has been that they pull EX.

But I have heard reports of them doing a double pull too.

Ok, thanks. So, it's literally the luck of the draw with them. They can pull any of the 3, or a combination. Good to know, and thanks.

I just app'ed for Citi the other day since I heard they pull EX, which they did. But they also seemed to check EQ. Guess I'm just "lucky" that way.

Re: Which CR does Chase use?

ibmrad7 — Sat, 14 May 2016 22:20:31 GMT

EX will be pulled most of the time by default when it comes to Chase. For my marriot, they pulled TU and EX in IL

Re: Which CR does Chase use?

belle6m2k — Sat, 14 May 2016 23:29:12 GMT

Pulled TU and Ex for my Disney

Re: Which CR does Chase use?

elim — Sat, 14 May 2016 23:34:35 GMT

4 Chase apps and approvals resulted in 4 EX and 4 TU pulls.

1 Chase CLI request resulted in 2 EX and 1 TU pull.

Re: Which CR does Chase use?

Anonymous — Sat, 14 May 2016 23:37:34 GMT

@Anonymous wrote:
@MadTechnologist wrote:
I keep hearing that Chase has some really good CCs and what not, and was kinda curious about apping with them. I know I should be gardening, given my less than stellar CSs, but curiosity has gotten the best of me.

Do they pull EQ, TU, EX, or perhaps some unholy combination of the 3. I know Cap 1 pulls ALL 3, which to me is criminal, especially since a lot of people choose them since they're usually a bit easier to get and are needed to build up their portfolio, so a HP on all 3 is a bit much IMO.

Anyway, any help would be appreciated, thanks!

P.S. I'm mostly interested in a BT CC.
They wont pull all 3 but are known for pulling 2 at a time while others only get a single report pulled. It can vary by state so your best bet is too Google 'credit pulls database' and check there.

I agree!

Re: Which CR does Chase use?

Anonymous — Sat, 14 May 2016 23:50:19 GMT

Chase almost always pulls two. In my case it was EX and EQ both times I apped.

Re: Which CR does Chase use?

Anonymous — Sun, 15 May 2016 00:47:33 GMT

@MadTechnologist wrote:
@Anonymous wrote:
As with most banks, they can and do pull from any of the 3 bureaus. It generally tends to be one in a given area, but in my case they hit TU for CSP app, and EX for FU app.
So they pulled different CR for 2 different cards, but only1 at a time for you?

Correct, I applied for FU 30 seconds after CSP but they lost the 2nd app somehow, which I didn't find out until a week later when CSP was approved, so when I reapplied for FU that time they pulled EX.

Re: Which CR does Chase use?

woodyman100 — Sun, 15 May 2016 02:16:44 GMT

I have always been hit with EQ and EX together with all apps

Re: Which CR does Chase use?

IllinoisNative — Sun, 15 May 2016 13:01:18 GMT

Chase pulled Experian for me when I apped for the Freedom card in June 2015 (approved). I did have a checking account with them so I don't know if that is why they only pulled one bureau. They also only pulled Transunion for me for my Auto app (approved).

Re: Which CR does Chase use?

Anonymous — Sun, 15 May 2016 13:26:10 GMT

they have double pulled ex and tu for me each time.

Re: Which CR does Chase use?

MadTechnologist — Sun, 15 May 2016 16:02:52 GMT

Thanks for all the help and info everyone. I appreciate it.