topic Re: Chase Checking - Hard Pull in Personal Finance

Chase Checking - Hard Pull

CreditUp26 — Fri, 15 Dec 2023 05:20:32 GMT

Got an offer in the mail for a Chase checking account. Already have a credit card with them. Was shocked when a hard pull showed up on my credit for checking app. Seems unnecessary and a waste of a pull, especially when they have my monthly soft pull from the credit card.

Re: Chase Checking - Hard Pull

GZG — Fri, 15 Dec 2023 05:21:58 GMT

@CreditUp26 wrote:
Got an offer in the mail for a Chase checking account. Already have a credit card with them. Was shocked when a hard pull showed up on my credit for checking app. Seems unnecessary and a waste of a pull, especially when they have my monthly soft pull from the credit card.

that, uh, should not have happened.

are you sure it was a HP and not just a notification that your identity was checked through Exp?

it should just be a SP

Re: Chase Checking - Hard Pull

pizzadude — Fri, 15 Dec 2023 15:25:50 GMT

@CreditUp26 wrote:
Got an offer in the mail for a Chase checking account. Already have a credit card with them. Was shocked when a hard pull showed up on my credit for checking app. Seems unnecessary and a waste of a pull, especially when they have my monthly soft pull from the credit card.

Are you sure this was a HP on EQ / TU or EX rather than Chexsystems ?

Re: Chase Checking - Hard Pull

CreditUp26 — Fri, 15 Dec 2023 15:35:34 GMT

@GZG wrote:
@CreditUp26 wrote:
Got an offer in the mail for a Chase checking account. Already have a credit card with them. Was shocked when a hard pull showed up on my credit for checking app. Seems unnecessary and a waste of a pull, especially when they have my monthly soft pull from the credit card.
that, uh, should not have happened.

are you sure it was a HP and not just a notification that your identity was checked through Exp?

it should just be a SP

Yes, it shows as a hard inquiry on my credit report and my other credit monioring services sent alerts of a change to my report.

Re: Chase Checking - Hard Pull

CreditUp26 — Fri, 15 Dec 2023 15:36:09 GMT

@pizzadude wrote:
@CreditUp26 wrote:
Got an offer in the mail for a Chase checking account. Already have a credit card with them. Was shocked when a hard pull showed up on my credit for checking app. Seems unnecessary and a waste of a pull, especially when they have my monthly soft pull from the credit card.
Are you sure this was a HP on EQ / TU or EX rather than Chexsystems ?

100%, shows as a hard inquiry on Experian. Also got credit alerts.

Re: Chase Checking - Hard Pull

Horseshoez — Fri, 15 Dec 2023 16:39:56 GMT

This is totally bizarre, a year ago I opened a Chase Checking, Savings, and Sapphire Preferred credit card all on the same day; the only item which shows up on my Experian credit report is:

JPMCB CARD
Inquired on 12/22/2022
Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until Jan 2025.

What does your credit report say regarding this inquiry?

Re: Chase Checking - Hard Pull

sccredit — Wed, 20 Dec 2023 19:31:47 GMT

I would call them and ask about it. I have multiple accounts with Chase and have never had a HP for anything but actual credit inquiries.

Re: Chase Checking - Hard Pull

CreditUp26 — Wed, 20 Dec 2023 19:36:12 GMT

@sccredit wrote:
I would call them and ask about it. I have multiple accounts with Chase and have never had a HP for anything but actual credit inquiries.

I spoke with someone in their escalation department. They said this was not a mistake. I have never experienced them with them before either but it is apparently new policy.

Re: Chase Checking - Hard Pull

CreditCuriosity — Thu, 21 Dec 2023 04:37:32 GMT

Did you go for an overdraft line of credit or anything? Not sure if chase offers those, but possibly might of been the HP.

Re: Chase Checking - Hard Pull

rcrdoeva — Thu, 21 Dec 2023 13:50:07 GMT

Sounds like they pulled your credit for a credit card. Chase Bank are soft pulls. Was the rep pushing a credit card? Or did you inquire about one?

Re: Chase Checking - Hard Pull

CreditUp26 — Thu, 21 Dec 2023 13:55:51 GMT

@rcrdoeva wrote:
Sounds like they pulled your credit for a credit card. Chase Bank are soft pulls. Was the rep pushing a credit card? Or did you inquire about one?

No. I did it online by myself using a new account promo code. No credit was applied for. Just a checking and savings.

Re: Chase Checking - Hard Pull

CreditUp26 — Thu, 21 Dec 2023 13:56:47 GMT

@CreditCuriosity wrote:
Did you go for an overdraft line of credit or anything? Not sure if chase offers those, but possibly might of been the HP.

No. I opened only a checking and a savings. I already have credit cards with them, don't need more lol, and they do not even offer an overdraft like of credit.

Re: Chase Checking - Hard Pull

rcrdoeva — Thu, 21 Dec 2023 14:20:51 GMT

Oh wow. That's really strange. That should have been a soft too. I wouldn't even know if a supervisor would be able to help you out.

Was it at least for the $900 bonus??!! I took them up on that at a branch. Had them throw in a Freedom Unlimited for $200 more after $500 spend.

Definitely reach out to a supervisor or manager to see if they can help. I don't think a branch manager would be much help though but may be worth a try. What sucks is all the extra time it's going to take to even try to fix this. Good luck.