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Chase CSR Double Hard Pull For One App

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Established Member

Chase CSR Double Hard Pull For One App

Hi,

App’d for the CSR Tuesday 4/16 evening 10est.

Immediate HP on Experian notification from both Exp and myFICO dates 4/16

Received: “We have received your request for a Chase credit card. We'll let you know our decision as soon as possible.”

Wednesday evening get out of the blue second alert from both EXP and myFICO for a second HP from chase dated 4/17.

I did not call them, app for another card, literally no contact.

No email or call from Chase.

Check my online banking, approved with a 30.4k limit.

What should I do?

I really don’t want to call them.

My next highest limit card is 8k, a 6 y/o Slate, then a 4.2k Discover.

EXP fico was pulled at 794, has dropped to 777.

How would you handle it?

Last night I appd for a Citi Double Cash and was approved for 4.5k and was denied for a Cap1 Savor, going to recon that one.

Appreciate any advice!
Starting Score: EQ 681|TU 660|EX 680 Jan 2019
Current Score: EQ 788|TU 772|EX 785 Mar 2019
Goal Score: EQ 800|TU 800|EX 800
15 REPLIES 15
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Established Contributor

Re: Chase CSR Double Hard Pull For One App

Congratulations!  You got a fantastic card with a supurb SL!  Your scores are exceptional and the double HP will be deminimus in its effect.  If it were me, I would let it ride and be very pleased that my financial responsibility as evidenced by my FICO scores opened the door to a great product and SL.  Again, Congratulations!













Message 2 of 16
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Valued Contributor

Re: Chase CSR Double Hard Pull For One App

Congrats on the approval! I wouldn't bother with the double pull since you were approved and have a great limit. The impact of the pull diminishes over the course of a year and then drops off completely after 2 years, so unless you plan to purchase a home soon, I wouldn't worry about it too much.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 3 of 16
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Valued Contributor

Re: Chase CSR Double Hard Pull For One App

I've had something similar happen before happed where it showed a second pull from the same bank--but when I called the bank they said they only did one pull--and I left it at that. A few days later the second HP was gone. So it's was probably a glitch somewhere on the part of the reporting company's system. Wait a few days and yours will probably be gone also.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 4 of 16
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Regular Contributor

Re: Chase CSR Double Hard Pull For One App

This is what happens when we have some people getting 2 approvals on one pull. They have to make up the slack somewhere.

Starting FICO 8 as of 2 APR 2019

FICO 8 as of 10 OCT 2019

FICO 9 as of 2 APR 2019

Goal 700 across the board by 7/2021
Message 5 of 16
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Epic Contributor

Re: Chase CSR Double Hard Pull For One App

"approved with a 30.4k limit."
"How would you handle it?"

 

I'd be celebrating not getting (3) hard pulls from another Lender for a 1k SL

or (2) Hard Pulls and a "Denial"

popcorn eating emoticon.gif

Message 6 of 16
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Community Leader
Senior Contributor

Re: Chase CSR Double Hard Pull For One App

I would let it go. A 30k limit is worth a double pull. Congrats!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 16
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Senior Contributor

Re: Chase CSR Double Hard Pull For One App

COngrats on your approval and monster SL !!!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 16
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Frequent Contributor

Re: Chase CSR Double Hard Pull For One App

I would call them and tell them there was a mistake. You expected a Cl of $5000 and you expect them to CLD to get you there.Smiley Wink


Message 9 of 16
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Community Leader
Senior Contributor

Re: Chase CSR Double Hard Pull For One App


@Caardvark wrote:

I would call them and tell them there was a mistake. You expected a Cl of $5000 and you expect them to CLD to get you there.Smiley Wink


They would be so happy to do it too lol

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 10 of 16
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