topic Re: APP For Chase IHG Using Denied Marriott HP? in Credit Card Applications

APP For Chase IHG Using Denied Marriott HP?

Credit-hoarder — Wed, 29 Jun 2016 11:46:52 GMT

Wanting to knowQ from anyone with multiple Chase app experience if this is possible. I was denied for the Marriott on the 25th b/c of the 5/24 policy even though my EQ was the best ti's been in a couple years at 695 and showing no baddies with only 6% UTIL. I've that the IHG doesn't fall under the 5/24 just yet and was thinking of app-ing for that since I already took a HP hit on EQ (along with a 6 pt. drop for the INQ) but not 100% sure if they will use the same HP again. Anyone with double Chase app experience days apart please chime in---thanks.

Re: APP For Chase IHG Using Denied Marriott HP?

kdm31091 — Wed, 29 Jun 2016 12:28:23 GMT

@Credit-hoarder wrote:
Wanting to knowQ from anyone with multiple Chase app experience if this is possible. I was denied for the Marriott on the 25th b/c of the 5/24 policy even though my EQ was the best ti's been in a couple years at 695 and showing no baddies with only 6% UTIL. I've that the IHG doesn't fall under the 5/24 just yet and was thinking of app-ing for that since I already took a HP hit on EQ (along with a 6 pt. drop for the INQ) but not 100% sure if they will use the same HP again. Anyone with double Chase app experience days apart please chime in---thanks.

Now that it's been several days, I can all but guarantee you it will be a new HP.

Re: APP For Chase IHG Using Denied Marriott HP?

B335is — Wed, 29 Jun 2016 15:07:30 GMT

@kdm31091 wrote:
@Credit-hoarder wrote:
Wanting to knowQ from anyone with multiple Chase app experience if this is possible. I was denied for the Marriott on the 25th b/c of the 5/24 policy even though my EQ was the best ti's been in a couple years at 695 and showing no baddies with only 6% UTIL. I've that the IHG doesn't fall under the 5/24 just yet and was thinking of app-ing for that since I already took a HP hit on EQ (along with a 6 pt. drop for the INQ) but not 100% sure if they will use the same HP again. Anyone with double Chase app experience days apart please chime in---thanks.
Now that it's been several days, I can all but guarantee you it will be a new HP.

I agree. Fully expect Chase to hard pull you again.

Re: APP For Chase IHG Using Denied Marriott HP?

Credit-hoarder — Wed, 29 Jun 2016 15:31:01 GMT

Yeah--I was kinda figuring that too. I was going back and forth at the time of app between IHG and the Marriott---guess I should have picked IHG. Thanks for the input!

Re: APP For Chase IHG Using Denied Marriott HP?

gibeon — Wed, 29 Jun 2016 15:31:08 GMT

I literally just did this. I got a second hard pull.

IHG was approved though!

Re: APP For Chase IHG Using Denied Marriott HP?

Credit-hoarder — Wed, 29 Jun 2016 17:18:50 GMT

@gibeon: Did you apply for a Marriott and then IHG? Also what limit did they give you on IHG and what's you EX and EQ like? Sorry about all the questions--just trying to get an idea if a 2nd Chase HP on EQ would be worth it. EDIT: Nevermind---I just found your thread from the other day.

Re: APP For Chase IHG Using Denied Marriott HP?

RonM21 — Wed, 29 Jun 2016 21:46:16 GMT

I assume you are not willing to take the second HP, but I can't blame you there.

Re: APP For Chase IHG Using Denied Marriott HP?

gibeon — Wed, 29 Jun 2016 22:12:48 GMT

Yep, Marriott app (declined for 5/24) then IHG app. $2k approval, which is enough to do what I need until i merge limits around later this year.

Re: APP For Chase IHG Using Denied Marriott HP?

Credit-hoarder — Wed, 29 Jun 2016 22:26:22 GMT

@RM21: Not at this time. I just got a score alert from myFico--with the 3 INQ's the last few days my EQ went from 695 to 670!!! I'm just glad that 2 of them were not in vein and netted me $14K in increases on 2 of my cards. I'm already in with Chase so IHG can wait. However FIA is leaving B of A so I may app for a B of A card instead to keep my portfolio rounded out and still have an "in" with them.. Plus B of A in my area pulls EX which I can afford at least one INQ on at the moment..