Denied yesterday for Amazon but pre-approved today?

[JFox418]

So yesterday I app'd for Chase Freedom Flex and was approved (althought not great SL or rate) and then I app'd for the Prime card. Instant denied and I have yet to see a HP show on Experian (don't have access to EQ and TU for another month). Few comments saying Chase won't approve 2 cards on the same day. So out of curiousity I sign into prime and see there is a pre-qual for the Prime card. Fill that out and it's saying I'm pre-qualified today. Should I hit the app button? 

[bigseegar]

If you were declined for it just a day or a few days ago I wouldn't. Remember Chase as a 2 card in 30 day app policy and technically you've reached that even though in was a denial. But I may be wrong on them counting the denial, although it clearly says "only 2 apps in 30 days". They also don't do a 2nd HP when you apply that close normally and just use the first one they pulled. that may be why you see no additional HP.

[JFox418]

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@bigseegar wrote:

If you were declined for it just a day or a few days ago I wouldn't. Remember Chase as a 2 card in 30 day app policy and technically you've reached that even though in was a denial. But I may be wrong on them counting the denial, although it clearly says "only 2 apps in 30 days". They also don't do a 2nd HP when you apply that close normally and just use the first one they pulled. that may be why you see no additional HP.

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yeh I don't want to over do it but was really hoping for the Prime card. I figured the pre-qual woulda been a deny if I app'd too many times? Wonder if it would be worth calling them?

[Jordan23ww]

For what it's worth, when I applied for a Chase Slate card in February 2020 and then an Amazon Prime card 3 weeks later I got approved for the Slate and then denied for the Prime. When I tried to recon the Prime the rep said usually they like people to wait 3 months between applications and they denied my recon. Of course others have had success getting 2 Chase cards in a 30 day period.   If you do decide to apply for it best wishes to you!

[Relatxbles]

Congrats on the preapproval! 

[coldfusion]

Chase will no longer approve 2 applications submitted on the same day.  That policy change helped kill what was euphamistically known as the Chase double-dip (supplanted by the Modified double-dip, which is tied to applications submitted 1 day apart).

There are occasional anecdotal reports of someone successfully slipping through the cracks and having 2 cards approved on the same day, invariably with a followup several weeks later that card #2 was unilaterally closed when Chase' left hand figured out what their right hand had done.

As inferred above they will sometimes approve a 2nd card the day after card #1's application and approval so i's up to the OP to decide if they want to risk applying again today and taking another HP instead of waiting 30 days.

[JFox418]

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@Jordan23ww wrote:

For what it's worth, when I applied for a Chase Slate card in February 2020 and then an Amazon Prime card 3 weeks later I got approved for the Slate and then denied for the Prime. When I tried to recon the Prime the rep said usually they like people to wait 3 months between applications and they denied my recon. Of course others have had success getting 2 Chase cards in a 30 day period.   If you do decide to apply for it best wishes to you!

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Did they hit you with a HP on the recon?