topic Re: Chase Checking Denial? in Personal Finance

Chase Checking Denial?

DebtJoe — Mon, 29 Apr 2019 23:14:30 GMT

Hey guys, just received this message after applying for a Chase Total Checking account:

Could this be because Chase does a hard pull for a checking account? All 3 of my credit reports are currently frozen.

Re: Chase Checking Denial?

Remedios — Mon, 29 Apr 2019 23:18:10 GMT

They soft pull for checking/savings, but if you do not have pre-existing relationship with them, they cannot even do that.

Is your EWS clean?

Re: Chase Checking Denial?

DebtJoe — Mon, 29 Apr 2019 23:29:25 GMT

Yes, no issues at all with any banking relationship ever, and I am a current Chase card holder. Card has a 0% utility currently, PIF every month. I have never burned Chase in the past before either.

Re: Chase Checking Denial?

Remedios — Mon, 29 Apr 2019 23:40:50 GMT

But you dont bank with Chase, right?

Re: Chase Checking Denial?

CreditInspired — Mon, 29 Apr 2019 23:46:41 GMT

Just give them a call. If you're not in Chexsystem, it's proably something simple.

Re: Chase Checking Denial?

DebtJoe — Mon, 29 Apr 2019 23:50:28 GMT

Correct, no banking relationship with them currently.

Have been with my Credit Union for the past 10+ years.

Re: Chase Checking Denial?

Remedios — Mon, 29 Apr 2019 23:53:04 GMT

They could not SP. CC lending and "banking" end are separate.
Wait for the letter and see if they will SP once you lift lock/freeze without having to complete the application again.

Even if you opened account while in the branch, SP would still be needed.

Re: Chase Checking Denial?

DebtJoe — Thu, 02 May 2019 00:47:19 GMT

@Remedios wrote:
They could not SP. CC lending and "banking" end are separate.
Wait for the letter and see if they will SP once you lift lock/freeze without having to complete the application again.

Even if you opened account while in the branch, SP would still be needed.

Just a quick update, after unfreezing my reports I was able to get approved for a Total Checking/Savings account. Thanks for the assist!

Re: Chase Checking Denial?

Remedios — Thu, 02 May 2019 00:53:12 GMT

That's great. Glad it all workedd out for you

Re: Chase Checking Denial?

sjt — Thu, 02 May 2019 18:49:51 GMT

Your credit freeze is the reason for the denial. Doesnt matter if they pull SP or HP.