Multiple Applications after a HP

[Anonymous]

Hey Guys,

I just applied for a Chase Business Ink Preferred and the application was declined due to my avg lenght of credit (I moved to the US two years ago). It sucked but at least all I have to do is wait. Nevertheless I ran the creditmatch a few days after and for the first time ever it told me I was prequalified for the Chase Sapphire Preferred and the Chase Freedom Unlimited.

I called Chase and got a somewhat lethargic rep telling me I had to re-apply and have another HP for this card even though they have a fresh 2 day old HP on file.

I just wanted to confirm with you that this was in fact the case or if I should call again and ask them to use my exisiting two day old HP to check me for the Sapphire Preferred. I dont want to risk another HP as I have been burned by previouos Prequalify offers (altough never from creditmatch)

Thanks!

[sccredit]

The rep from Chase was correct.  

[Jnbmom]

Credit match is just a marketing site, heck I just ran mine I got anything from chase offers to the indigo card 😳

If you apply again they will pull another hp maybe even 2 but since you credit history hasn’t lengthened you will most likely get the same response, a denial.

[I_Love_Cards]

You might want to double check that prequal on the chase site. Credit match is CONVINCED I can get any old chase card I want.

I’m about 164959505002384750/24. Which is just a touch more than the 5/24 Chase considers a max.

[Anonymous]

As mentioned above, Cardmatch is just marketing tool. I matched with CSP and CFU just like you and I am blacklisted by Chase. 

I would wait until your scores are higher and length of credit history is longer, unless you get pre-qualified from Chase online or in-branch. 

[Anonymous]

This brings up a thought. Do some people just use the roulette method when apping, rather than putting in the research?

You'd think with the technological age we're in, more and more people would be slighly more informed with certain decisions.

[I_Love_Cards]

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@Anonymous wrote:

This brings up a thought. Do some people just use the roulette method when apping, rather than putting in the research?

You'd think with the technological age we're in, more and more people would be slighly more informed with certain decisions.

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I don't think most people really recognize how much is marketing.  After all, such and such a site says I have a 98% match with purple bonus star approval odds plus it's flashing and that must mean it's good.  And my tinder matches are only 83%.  

I don't think that most average, non-card collecting, reward maximizing, credit hobbiests do much research beyond that.  But then again-I don't think most of that population would be likely to run into the inquiries & accounts/whatever months restrictions since they likely aren't opening cards to get .267% more cash back in this category.  

I saw a discussion last week (not here, obviously LOL) where a number of people wanted to opt out of all these credit card offers that come in the mail because they already have a credit card.  A card.  Like just one.  And they didn't "need" more.  Some even asked for credit limits to be cut because no one needs a $25k credit limit.  

Obviously-that wasn't here LOLOLOL.

[Anonymous]

@Janus yes its weird how its hard for people not to immidiately understand the insane credit system you have in the US. I remember when I first moved here and asked my bank rep to explain how Credit and credit scores works in the US, and she opened with "There are several theories...". Thank god for youtube.

[Anonymous]

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@I_Love_Cards wrote:

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@Anonymous wrote:

This brings up a thought. Do some people just use the roulette method when apping, rather than putting in the research?

You'd think with the technological age we're in, more and more people would be slighly more informed with certain decisions.

---

I don't think most people really recognize how much is marketing.  After all, such and such a site says I have a 98% match with purple bonus star approval odds plus it's flashing and that must mean it's good.  And my tinder matches are only 83%.  

I don't think that most average, non-card collecting, reward maximizing, credit hobbiests do much research beyond that.  But then again-I don't think most of that population would be likely to run into the inquiries & accounts/whatever months restrictions since they likely aren't opening cards to get .267% more cash back in this category.  

I saw a discussion last week (not here, obviously LOL) where a number of people wanted to opt out of all these credit card offers that come in the mail because they already have a credit card.  A card.  Like just one.  And they didn't "need" more.  Some even asked for credit limits to be cut because no one needs a $25k credit limit.  

Obviously-that wasn't here LOLOLOL.

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Exactly. The average consumer has 4/5 cards. They don't research cards. They get a card or two and go back to living their lives. Its presumptious to apply the myFICO standard to the average person. Today at the dentist I gave the receptionist my CC and she asked what are they like to bank with. I said I have no idea I only have their CC. She said "you can get a CC from a bank you don't bank with?"

[CreditInspired]

Chase luvs to HP. Sometimes twice for the same application. If you're weary of a HP, don't apply.