CHASE DOUBLE APP (SAME DAY)?

[Anonymous]

HELLO EVERYONE!

Quick Question. I was approved yesterday for a CSP, and I got another green check under my acct today when I logged in for another card. May go for the second card in 24hrs, if there is no HP.   Will they use the same hard pull to make a decision if it's in 24 hours? I also have a CFU. I have been with them and good standing for a while now.  Thoughts? Will they use same reports? They HP's me for the CSP on Exp and TU. THANK YOU!!!

M

[Anonymous]

As long as you are not apping for any other cards - you should be good to go - I know others have done similiar things. If you are apping for other new accounts as well - Chase may get nervous and decline your 2nd card app. But if you arent and the account you have with Chase is in good standing - this should be a no brainer. I am not 100% certain about them using the same HP for two cards that were app'd on different - albeit close - dates. 

[Anonymous]

Wonderful. Thanks so much for the input. Let me ask you, do I have to apply within 24hrs for them to use the same reports? To the best of your knowledge?

[Anonymous]

Recent data points. You will most likely get another hard pull and your 2nd app may get rejected. YMMV

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-Double-Dip-no-longer-Works/m-p/53646...

[Anonymous]

I did read that. I also read others too that say differently. Hmmmmmm.. Sounds like a roll of the dice. Thank you for the advice

Mark

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@Anonymous

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[Anonymous]

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@Anonymous wrote:

I did read that. I also read others too that say differently. Hmmmmmm.. Sounds like a roll of the dice. Thank you for the advice

Mark

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@Anonymous

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It is just another hard pull or two, not the end of the world if you want to roll the dice. lol

Are you just looking for a Balance Transfer card?

[Anonymous]

Honestly, if they used the same HP's it would be worth it to add to my overall CL.  And I would use it. Make some BT's and put a couple reoccuring payments on it. Thoughts??

Mark

[Anonymous]

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@Anonymous wrote:

Honestly, if they used the same HP's it would be worth it to add to my overall CL.  And I would use it. Make some BT's and put a couple reoccuring payments on it. Thoughts??

Mark

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The Chase Slate is useless card if not for the balance transfer. You don't want to do any real spending on it. There is no reward of any sort. You use to be able to get 2 Chase cards the same day with the same HP, but lately not so much. They will hard pull both apps. They will either reject the 2nd app or call you to select the card you want to keep.

You would be better off checking Discover site to see if you have a pre approvable for the Discover IT. You can use that for BT and get quarterly rotating 5% categories and first year reward match. 

[Anonymous]

Thanks for the sound advice! Much appreciated! It does seem like a useless card. Was thinking of growing my CLI if no 2nd HP, but that doesn'r seem to be on the table. I do already have Discover. Awesome rewards program. And October is the last month you have to sign up for their rewards. The website says they are wotking on an easier way to do it. We will see. The reward right now is 5% Amazon and also for big box stores like Costco, BJ's Etc......

[Anonymous]

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@Anonymous wrote:

Thanks for the sound advice! Much appreciated! It does seem like a useless card. Was thinking of growing my CLI if no 2nd HP, but that doesn'r seem to be on the table. I do already have Discover. Awesome rewards program. And October is the last month you have to sign up for their rewards. The website says they are wotking on an easier way to do it. We will see. The reward right now is 5% Amazon and also for big box stores like Costco, BJ's Etc......

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No problem. Since you already have the Discover card, you can request a CLI on it every 6 months with a SP. You can also call in to see if they have 0% promotion offer for your account. Often time, you will offer you 12-15 months of 0%.