topic Re: Question about Chase applications in Credit Card Applications

Question about Chase applications

Anonymous — Mon, 26 Jan 2015 21:36:59 GMT

I applied and was approved for a Chase Sapphire Preferred on Saturday and was thinking about getting the Chase Freedom today. My question is would it be a new inquiry or can they use the one from Saturday to approve?

Re: Question about Chase applications

Anonymous — Mon, 26 Jan 2015 21:43:47 GMT

May be second HP...

Try it though.

Re: Question about Chase applications

Anonymous — Mon, 26 Jan 2015 21:50:10 GMT

@Anonymous wrote:
I applied and was approved for a Chase Sapphire Preferred on Saturday and was thinking about getting the Chase Freedom today. My question is would it be a new inquiry or can they use the one from Saturday to approve?

@Anonymous,

It will definately be a new inquiry.

Re: Question about Chase applications

Anonymous — Mon, 26 Jan 2015 23:19:38 GMT

They're gonna do another pull. Even if you call CSR and tell them about your recent application/report, their procedure is to HP every app; they have accounts with the bureaus so its in their interests to use them.

Also, you might want to reconsider calling them about your recent approval/report because they will then be in the position to make a direct judgment as to whether to open another cc account with you as opposed to just letting your automated report scores/history fend for itself. It could go either way though. Good luck.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 01:24:32 GMT

I may be the exception but I got 2 Chase cards 3 days apart with the same pull so it is possible. Of course YMMV.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 01:32:48 GMT

@georgiapeach
Nice... I don't know if it's an exception or policy these days. My experience with chase has always been that they are very by the book so I'm a little more cautious.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 01:38:21 GMT

Same day - If you're lucky like me 2 cards per pull or set of pulls.

A few days - Go out and buy a lottery ticket if you get the same result.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 01:47:14 GMT

I would have applied the same day

Re: Question about Chase applications

Tszone — Tue, 27 Jan 2015 03:11:04 GMT

They pulled trans and exp for one card for me twice. Applied for freedom and they pulled both then 2 weeks later applied for CSP and pulled both trans and exp again, approved for both so it is what it is. Also my CSP was almost twice the limit as my freedom.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 04:44:27 GMT

@Anonymous wrote:
@Anonymous wrote:
I applied and was approved for a Chase Sapphire Preferred on Saturday and was thinking about getting the Chase Freedom today. My question is would it be a new inquiry or can they use the one from Saturday to approve?
@Anonymous,

It will definately be a new inquiry.

As stated above, this is not necessarily true with Chase. Chase pulled me when I applied for the Freedom, but did not pull me again when they approved me for the AARP two weeks later. (Maybe Chase felt bad for me for double pulling me on my Freedom application...Or the more likely explanation, I got lucky. Lol.)

In all likelihood though, OP, you will probably, but not necessarily be double pulled. It appears to be a relatively rare event.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 15:18:09 GMT

Well, I called and asked if it would be and sure enough they said it would be a fresh pull. I think I'll just end up waiting a year to do it, after I get rid of my CapitalOne QS cards. Thanks everyone!

Re: Question about Chase applications

B335is — Tue, 27 Jan 2015 15:19:37 GMT

Always expect a pull for every application. If you get a 2-fer, consider yourself very lucky.

Re: Question about Chase applications

Anonymous — Tue, 27 Jan 2015 15:22:35 GMT

@B335is wrote:
Always expect a pull for every application. If you get a 2-fer, consider yourself very lucky.

@B335is,

Agreed..

Re: Question about Chase applications

AintYouADaisy — Tue, 27 Jan 2015 15:32:19 GMT

I was double pulled for one app (Marriott). I wanted to also see about getting the Freedom card but was told by Chase that separate apps mean separate HP's. So I told them the Freedom card will have to wait for some other time, I am not interested in another double HP.