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Chase double-app denied. Advice?

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trnj88
New Contributor

Chase double-app denied. Advice?

I had pre-qualified offers yesterday for the Chase Freedom, Slate and Sapphire Preferred. I applied for the Freedom through the prequal page and was approved for $4k.

I then went back to the prequal page and double-apped for the Slate as well. I received a 30-day message telling me I would receive a decision within 30 days.

Just called a Chase recon line and spoke with a rep to check if anything was needed. She advised me my second application for the Slate reflected "multiple requests for credit" and that they wanted to see how I handled the Freedom before extending me further credit.

Is there any recon hope for this? Not sure what to say or what number to call. I do not believe they double-pulled me since I only saw one inquiry come through.

Thanks
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Chase double-app denied. Advice?

They just want to get to know you and once they do they open their world to you.  Give it 3 months of good payments then you can try again if you want.

Message 2 of 4
ddemari
Super Contributor

Re: Chase double-app denied. Advice?

depending on what your profile looks like and your scores, you could give it the good old college try and recon once more. But I am thinking that they want you to establish yourself with them and once you are in with chase, they do treat you well. There is the 5/24 rule, so I can see them denying you for extra credit if with the freedom approval you are now over the 5/24 limit? 

 

If you are not, then it wont hurt to try again if you can back up your case. Otherwise, dont dont open any new cards and let chase say 3-6 months of history with you and then should be good to go. 

Message 3 of 4
trnj88
New Contributor

Re: Chase double-app denied. Advice?

Thanks all, I may try again but I probably won't use another HP for it. I wasn't over the 5/24 rule so it must just be that they want to feel me out first. When I applied for the Slate I only had 1 new account-- the Freedom card that was approved a minute earlier. I was also added as an AU in January on an AmEx card, but still, even if that counts against the 5/24 rule I would technically only have been 2/24.

 

I will try recon again on Monday and see if they budge-- if not I'll have to give it more thought in a few months.

Message 4 of 4
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