Chase Amazon Visa

[macinjosh]

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

[FinStar]

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

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They typically base it on a 12-month lookback period, but there really isn't a specific number per se (depending on algorithms). In the past, they've been known to review up to 24 months of history -- all things considered. 

[AverageJoesCredit]

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

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Honestly if they are using inquiries as an excuse not to approve you the card i would think twice about applying for this get. I get it and i understand lenders dont like credit seeking but theres more to a persons credit profile  than just inqs. Chase has no problem giving people huge out of the norm increases on their Amazon cards knowing those people wont even come close to using those limits but dont approve people who will actually use the card. Its a catch 22 **bleep** if you do **bleep** if you don't lol. 

Dont mind me just i feel Chase could be more lenient with this card. To answer your original question if thats their criteria for denial, wait until you have less inquiries before applying

[macinjosh]

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@FinStar wrote:

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

---

They typically base it on a 12-month lookback period, but there really isn't a specific number per se (depending on algorithms). In the past, they've been known to review up to 24 months of history -- all things considered. 

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The denial letter in early December read "Too many recent inquiries". That was a first for me. So that's why I was curious if there was a specific set figure they had.

[macinjosh]

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@AverageJoesCredit wrote:

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

---

Honestly if they are using inquiries as an excuse not to approve you the card i would think twice about applying for this get. I get it and i understand lenders dont like credit seeking but theres more to a persons credit profile  than just inqs. Chase has no problem giving people huge out of the norm increases on their Amazon cards knowing those people wont even come close to using those limits but dont approve people who will actually use the card. Its a catch 22 **bleep** if you do **bleep** if you don't lol. 

Dont mind me just i feel Chase could be more lenient with this card. To answer your original question if thats their criteria for denial, wait until you have less inquiries before applying

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Hey, at least they aren't listing anything else, like Amex "holding" my student loan balances against me.

[Anonymous]

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@macinjosh wrote:

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@FinStar wrote:

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

---

They typically base it on a 12-month lookback period, but there really isn't a specific number per se (depending on algorithms). In the past, they've been known to review up to 24 months of history -- all things considered. 

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The denial letter in early December read "Too many recent inquiries". That was a first for me. So that's why I was curious if there was a specific set figure they had.

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I agree with the comment made by @AverageJoesCredit that number of inquiries isn't the sole reason, or maybe even most significant reason, they declined you, just the one they listed. They are legally required to tell you something, so they do. 

To answer your specific question about How many inquiries is too many: when I got back in with Chase a few years ago I had 9 or 10 inquiries on my file too. The difference was mine were all in the previous 60-90 days. All of them approved too, so my new card count was also high (although a couple of those cards had not yet reported. I was a bit of a spree maniac at that time. Live and learn, yes?) So, in my experience, 9 is not too many. 

Hey, good luck with them. Maybe now is the time. Yesterday's ugly duckling can become today's beauty queen. 

[SouthJamaica]

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

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Personally I would wait until more than 6 months have passed since your last application for that card, and at least 3 months have passed since your last inquiry on the bureau which they pulled for you.  I don't know their formula, but that's what I would do.

[macinjosh]

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@SouthJamaica wrote:

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@macinjosh wrote:

As some of you know, I was rejected for the Chase Amazon Visa late last year for too many recent inquiries. At the time, I was 9 Inq's in the previous 6 months. As of today, I'm 6/6 and come April 1 I'll be 3/6.

My question is: How many is too many recent inquires with Chase? I just don't understand them at times, lol.

I really want this card, and the wait is making me batty, lol.

---

Personally I would wait until more than 6 months have passed since your last application for that card, and at least 3 months have passed since your last inquiry on the bureau which they pulled for you.  I don't know their formula, but that's what I would do.

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So since I applied in late November, I just need to wait until the first of June.

[JLRDC909]

It's always hard to say with them. Several months ago I applied for a card and was denied for too many recent inquiries. 

When I called recon and tried to push the matter, I asked "what is exactly too many inquiries and what time frame do you use?"  

I was told "we don't disclose our specific lending criteria qualifications". Either she knew and couldn't talk OR she didn't know and was reading from a script. 

I know Citi is 6/6, Barclays is 1/12 (or so) along with US Bank. Those we have kinda figured out through posts in the group. But Chase is like the wizard behind the curtain of which no one really knows and few dare to ask. 

[FinStar]

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@JLRDC909 wrote:

It's always hard to say with them. Several months ago I applied for a card and was denied for too many recent inquiries. 

When I called recon and tried to push the matter, I asked "what is exactly too many inquiries and what time frame do you use?"  

I was told "we don't disclose our specific lending criteria qualifications". Either she knew and couldn't talk OR she didn't know and was reading from a script. 

I know Citi is 6/6, Barclays is 1/12 (or so) along with US Bank. Those we have kinda figured out through posts in the group. But Chase is like the wizard behind the curtain of which no one really knows and few dare to ask. 

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@JLRDC909 

Even still, algorithms are the ones driving most UW decisions based on a variety of pre-defined parameters. The numbers are simply a guidance that most communities have shared based on anecdotal experiences and a variety of interactions with agents/analysts who may have conveyed a ballpark or general criteria.

That being said, it's been known that based on a lot of documented DPs (here and elsewhere), plenty of individuals have circumvented 5/24, USBs 1/12, the so quoted 6/6 by Citi, Barclays 1/12, BoAs rules, and so on. The profile will determine the outcome.

As much as folks try to reverse engineer UW methodology, AI simply stays ahead of the curve. So, even if some analysts or UWs know the specific criteria, it's not like they're going to share or reveal that to the masses if it's prohibitive by their line of work.