topic Re: Chase double pull in Credit Cards

Chase double pull

Anonymous — Sat, 07 Feb 2015 17:16:00 GMT

Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

Re: Chase double pull

mongstradamus — Sat, 07 Feb 2015 17:19:38 GMT

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

chase occasionally double pulls i don't know why they do. When i got my CSP last may they pulled EX and TU. I don't think it was for low scores because at the time my ex and TU were both above 770, so maybe some internal scoring criteria they didn't like ?

Re: Chase double pull

NRB525 — Sat, 07 Feb 2015 17:21:49 GMT

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

Is the HP really today, or it is finally being reported by EQ today? I think it is the latter; they already pulled both bureaus it on the 6th.

Chase pulled both EX and EQ on both my Marriott and Hyatt card applications.

Welcome to Chase ! congratulations on the card.

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:28:37 GMT

Thanks. If that's the case, why did the one report on the 6th?

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:32:40 GMT

Sometimes lenders do a tripple pill

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:36:53 GMT

But after approval?

Re: Chase double pull

TravellingNomad — Sat, 07 Feb 2015 17:42:28 GMT

@Anonymous wrote:
But after approval?

They pulled the reports the day you app'd. Your monitoring service received the update a on a later date. An example is the EQ monitoring service here. You dont get the notification that a new inquiry was made until a day or two after the fact

Re: Chase double pull

NRB525 — Sat, 07 Feb 2015 17:42:11 GMT

@Anonymous wrote:
Thanks. If that's the case, why did the one report on the 6th?

It takes a while sometimes to get the information through the CRA to your inbox.

Each bank should be sending the monthly file on your balances to the CRA on the same day, but you see the result in the monitoring a day or two different, depending on how the CRA is processing that data.

That CRA notice is really just informing you that, at some point in the past, they got a HP. There likely is not a hard timestamp you would be able to get access to.

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:46:11 GMT

check credit karma, I will bet the HP date shows as the earlier date.

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:47:25 GMT

@Anonymous wrote:
Hey guys. When I apped for the freedom card, I was approved after a 5 minute verification call. That was the 6th. I got a HP On experience on the 6th. Woke up this morning to another notification. On the 7th, they pulled equifax. After I was approved. Why?

I don't know about when exactly they pulled them, but Chase pulled my TU and EX when I apped for Freedom and CSP, I don't think they were for separate cards.

Re: Chase double pull

Anonymous — Sat, 07 Feb 2015 17:52:19 GMT

Okay. That makes sense. Thanks guys.