topic Re: One App, multiple HP in Credit Cards

One App, multiple HP

Anonymous — Tue, 25 Feb 2014 05:32:15 GMT

I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply. The next day I received an alert from Exp and TU that there has been a credit inquiry. Has anyone ever heard of Chase or any other bank using more than one HP?

Re: One App, multiple HP

CreditRookie22 — Tue, 25 Feb 2014 05:35:29 GMT

Yes, they can. It usually means you were borderline. What did ur cr look like?

Re: One App, multiple HP

Libra85 — Tue, 25 Feb 2014 05:38:43 GMT

@Anonymous wrote:
I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply. The next day I received an alert from Exp and TU that there has been a credit inquiry. Has anyone ever heard of Chase or any other bank using more than one HP?

Capital One pulls all 3 reports.

Re: One App, multiple HP

Anonymous — Tue, 25 Feb 2014 05:39:02 GMT

I have 6 accounts in good standing. My three credit cards are reporting at $0 ($1800 total CL) and I do not have any collections but the bad thing that I have on my report are my student loans which are currently in rehab.

Re: One App, multiple HP

CreditRookie22 — Tue, 25 Feb 2014 05:47:00 GMT

You should let all but one card report zero balance and the one should report 1-9%. Your score could of been maximized and maybe could of prevented it IMHO

Re: One App, multiple HP

myjourney — Tue, 25 Feb 2014 05:49:48 GMT

@Anonymous wrote:
I received an offer for the Marriott rewards visa by Chase in the mail and I decided to apply. The next day I received an alert from Exp and TU that there has been a credit inquiry. Has anyone ever heard of Chase or any other bank using more than one HP?

Chase Citi Amex Discover have all been known to double and even sometimes triple pull for borderline apps ...Sorry

Re: One App, multiple HP

newUser0 — Tue, 25 Feb 2014 05:52:19 GMT

For me chase always pulls 2. (EX and TU)

Re: One App, multiple HP

09Lexie — Tue, 25 Feb 2014 05:55:47 GMT

@Anonymous wrote:
I have 6 accounts in good standing. My three credit cards are reporting at $0 ($1800 total CL) and I do not have any collections but the bad thing that I have on my report are my student loans which are currently in rehab.

Any lender can pull multiple boards in an attempt to approve an app. Were you approved?

Re: One App, multiple HP

Anonymous — Tue, 25 Feb 2014 06:04:48 GMT

We shall see. When I called the automated application status number it says that I will receive a decision in the mail within 10 days so it probably looks like I did not get approved but I do have to say my TU score is better than my Exp.

Re: One App, multiple HP

newUser0 — Tue, 25 Feb 2014 06:06:55 GMT

It looks like a verification. Call the recon tomorrow, they will tell the status

Re: One App, multiple HP

Anonymous — Tue, 25 Feb 2014 06:08:50 GMT

Where do I get the recon number? Is it the same number were I check the application status?

Re: One App, multiple HP

B335is — Tue, 25 Feb 2014 06:16:08 GMT

Check the sticky above for backdoor numbers. I don't know if it's a proven fact that Chase double pulls for borderline. It certainly makes sense, but when they approved me for $12k CSP they pulled EX and TU. I would think if I was borderline I would have received a $5k limit not $12k.

Re: One App, multiple HP

myjourney — Tue, 25 Feb 2014 06:21:00 GMT

@Anonymous wrote:
Where do I get the recon number? Is it the same number were I check the application status?

Chase: 888-245-0625 (Credit Analyst - Recons)

Good luck

Re: One App, multiple HP

newUser0 — Tue, 25 Feb 2014 14:53:39 GMT

Keep us posted.

Re: One App, multiple HP

Anonymous — Tue, 25 Feb 2014 23:25:28 GMT

I called today and found out I was not approved. The lady I spoke with said it was mainly because of my student loans that went into default and apparently the card I had applied for has a minimum credit limit of 5k. The reason they did 2 HP was because Chase was unable to get a clear picture from just Exp. I will just wait about 9-12 months when my student loans finally go out of rehab to apply again. Thanks everyone for all the help.