topic Re: Chase double dip WORKS!!! in Credit Cards

Chase double dip WORKS!!!

Anonymous — Wed, 17 Apr 2019 18:40:08 GMT

Hey guys,

Chase double dip -- combining 2 apps to one HP, still works!!

Well first of all this is not really a double dip, but it has the double dip effect.

Over a month ago I applied for FU and freedom with only 30 min apart. First one at 11:50 PM EST, and the second one at 12:20 AM EST the NEXT DAY.

Chase uses EST so according to chase these are 2 apps in 2 days, not the same day. Therefore no flags on chase's end.

HOWEVER, Experian/Transunion uses Pacific time! So: both HP happend on the same day according to Experian/TransUnion.

Therefore: COMBINED HP!

and both cards have the same credit limit of 3400.

To sum up: Apply 2 apps just before and after 12 AM EST (or EDT, depends), so chase sees 2 apps in different days but Experian/Transunion sees 2 HP on the same day -- Double Dip!!

It's been over a month since I did this and I've got my first statments from both accounts and, the sub will be posted for next statment. I can already see them on UR site.

So yeah, just to let you guys know how to do double dip NOW.

Re: Chase double dip WORKS!!!

Remedios — Wed, 17 Apr 2019 18:42:52 GMT

@Anonymous wrote:
Hey guys,
Chase double dip -- combining 2 apps to one HP, still works!!

Well first of all this is not really a double dip, but it has the double dip effect.

Over a month ago I applied for FU and freedom with only 30 min apart. First one at 11:50 PM EST, and the second one at 12:20 AM EST the NEXT DAY.

Chase uses EST so according to chase these are 2 apps in 2 days, not the same day. Therefore no flags on chase's end.

HOWEVER, Experian/Transunion uses Pacific time! So: both HP happend on the same day according to Experian/TransUnion.

Therefore: COMBINED HP!

To sum up: Apply 2 apps just before and after 12 AM EST (or EDT, depends), so chase sees 2 apps in different days but Experian/Transunion sees 2 HP on the same day -- Double Dip!!

It's been over a month since I did this and I've got my first statments from both accounts and, the sub will be posted for next statment. I can already see them on UR site.

So yeah, just to let you guys know how to do double dip NOW.

I really would not advocate for this. It's possible you somehow fell through the cracks, but I'd hate to see anybody get their cards closed because this particular practice is no longer standard, more like very rare exception.

In addition, I've read about AA occuring as far as three months after approvals.

Re: Chase double dip WORKS!!!

Dave4fun — Wed, 17 Apr 2019 19:01:00 GMT

Jhx...well it may not be the best thing to do.....but it certainly was Clever!! It sure put a smile on a my face.

Re: Chase double dip WORKS!!!

Credit-hoarder — Wed, 17 Apr 2019 19:21:59 GMT

I agree with Remidios. It's more about being lucky than being foolproof. Although they weren't back to back apps--see my thread over in the Credits Card Applications section "Chase FU Denial" to get a better idea of what I'm talking about. Glad it worked out for you though OP.

Re: Chase double dip WORKS!!!

kdm31091 — Wed, 17 Apr 2019 19:36:36 GMT

While it may appear to initially "work", many have gotten one (or both) of the accounts shutdown. I hope it works out OP, but I certainly wouldn't reocmmend this approach, even if you did slip through the cracks.

I don't really understand the big deal with double dips anyway. Yes, it's nice to get one fewer HP, but realistically HPs are rarely the issue when denied new credit etc. It is new accounts that matter more, which you are still opening two of.

Re: Chase double dip WORKS!!!

Anonymous — Wed, 17 Apr 2019 19:52:45 GMT

It’s not whether it worked was ever really in question, but rather the AA that followed. Sometime in the past year, when they declared ‘double dip is dead’, they were not so much referring to the fact that instant approvals in short windows was no longer working, but rather that one of the approved accounts would be closed by Chase shortly thereafter, with a message stating that it was approved in error.

Prior to the aforementioned changes, double apps in quick succession was a trick used by applicants to use only one inquiry for two apps. Obviously it still ‘works’ in the sense that it will only pull one hard inquiry, but you will most likely get one of your accounts closed.

Re: Chase double dip WORKS!!!

AverageJoesCredit — Wed, 17 Apr 2019 19:56:12 GMT

1 day or 2, in the end , wont matter when Chase sp ones credit report. People roll the dice going for 2 Chase cards in a week let alone a day so if its worth the risk that has been shown to happen recently , then by all means go for it. After all its only a credit card, albeit, 5/24 slots

Re: Chase double dip WORKS!!!

coldfusion — Wed, 17 Apr 2019 21:54:26 GMT

Modified double-dip. Plenty of DP elsewhere of success without shutdown of either card.

Not recommended unless one understands and is comfortable that the degree of elevated risk of having the 2nd card shut down is YMMV.

Re: Chase double dip WORKS!!!

NRB525 — Wed, 17 Apr 2019 22:56:03 GMT

Congrats, OP, and thanks for sharing the details. Hopefully this works out fine over time.

Not so long ago, a game here on MF was to see how many cards one could get for one HP, or how many cards in a day during an app spree.

Lately the game has shifted to “how can I get the cards I want without getting shut down?” Also being able to reach SUB spend is a concern with many apps.

So I have to agree with several others here: Not a game to be recommended unless the person likes to live their credit life on the edge

[ after all, it is just a credit card ]

Re: Chase double dip WORKS!!!

NRB525 — Wed, 17 Apr 2019 22:59:25 GMT

OP did you only get one bureau pulled? Each of the several Chase apps I have done seems to be two bureaus.

Re: Chase double dip WORKS!!!

UpperNwGuy — Thu, 18 Apr 2019 01:17:22 GMT

I agree with @Remedios.

Re: Chase double dip WORKS!!!

Anonymous — Thu, 18 Apr 2019 03:38:07 GMT

How new is this Chase closing down an account or accounts because of 2 apps close together?

I opened 2 Chase cards the same afternoon back in 2017 and the second of the two (maybe an hour after the first) did not result in any HPs. I didn't do this to try and avoid a HP, I just wanted 2 Chase cards and applied for them as part of a spree. I never received any AA or anything, nor did I ever think it could even be possible.

Re: Chase double dip WORKS!!!

FinStar — Thu, 18 Apr 2019 03:46:53 GMT

@Anonymous wrote:
How new is this Chase closing down an account or accounts because of 2 apps close together?

I opened 2 Chase cards the same afternoon back in 2017 and the second of the two (maybe an hour after the first) did not result in any HPs. I didn't do this to try and avoid a HP, I just wanted 2 Chase cards and applied for them as part of a spree. I never received any AA or anything, nor did I ever think it could even be possible.

AA has been enforced more or less since sometime last year. I applied for Amazon Prime and Hyatt simultaneously mid-June 2017 without any issues. However, the landscape has considerably changed, mainly with their core products. Moreover, the 5/24 rule also expanded to the rest of their CCs as of November 2018.

Re: Chase double dip WORKS!!!

HeavenOhio — Thu, 18 Apr 2019 09:48:49 GMT

I don't recommend trying this either.

But if I were to try it, I'd want to make sure the time a new day begins is clear. Because midnight EDT is 11PM EST, I'd want to know if the system uses EDT from early March to early November or if it sticks with EST year-round.

Re: Chase double dip WORKS!!!

Anonymous — Thu, 18 Apr 2019 14:31:29 GMT

It all seems kind of silly to me... having to apply for 2 Chase products on 2 different days to ensure AA gets avoided. I don't think it's unreasonable at all for someone to apply for 2 Chase products at the same exact time simply because they want both of those products. It's sort of ridiculous in my view that they could be subject to AA simply because they didn't wait 24 hours between the apps, especially when this relatively new "rule" isn't disclosed anywhere or commonly known.

Re: Chase double dip WORKS!!!

Credit-hoarder — Thu, 18 Apr 2019 15:27:04 GMT

Again-my case may have been special-but apparently they don't even want you applying weeks apart anymore either--let alone the same day.

Re: Chase double dip WORKS!!!

Anonymous — Sat, 20 Apr 2019 16:49:49 GMT

That's completely fine if that's the case, I just feel it should be in some way disclosed or be made known by Chase that it's frowned upon. Again, I wouldn't have thought twice about it and I'm sure there are many people that do a spree for whatever reason and don't expect AA when getting 2 cards from the same creditor.

Re: Chase double dip WORKS!!!

Anonymous — Sat, 20 Apr 2019 16:57:22 GMT

@AverageJoesCredit wrote:
.... People roll the dice going for 2 Chase cards in a week let alone a day ...

A cautious credit-seeker might follow the OP's process, but on Sunday Night so one app will fall in the present week and one will fall into the next week. Better yet, if they wait until Sunday, June 30, 2019, they can app in two seperate MONTHS.

The truly cautious credit-seeker should wait until December 31, 2023 & app into two seperate YEARS.

I'm not going to research CENTURIES (but you are welcome to do so).

Ahh, the power of Chase!