@TruFlavor wrote:
Last I checked all were at or around mid 700. I’m familiar with Chase with their hard pulls for the FU and the Sapphire Reserve. I have both $9k on FU and $17.5K on the Reserve. My FU got an auto CLI about 6 months ago where the doubled my CL. I don’t think my Reserve will grow much as I don’t put as much on it.
I guess my question was more so to see if they use the same criteria and/or follow similar process as with their own CCs. If the do apply the 5/24, I’m not even trying as I’m over that. 😂
Also, I’m looking into my reports is Showing 5 yrs AAOA I think due to an older credit card with Dad which I take care of but am AU on and all of my own are almost 2 years. My total util. right now is at 3%.
Chase will filter out the AU
@Aim_High wrote:
@CreditInspired wrote:
@TruFlavor wrote:
I am looking to apply for the Amazon credit card by Chase.
I’m curious as to whether or not the 5/24 rule applies to chase co-branded accounts
Do they pull from all 3 bureaus?Chase loves HPs and will definitely pull 2, sometimes 3.
Chase does not always pull more than one bureau, but they seem to for new customers or thinner files. It appears they do always pull EX as a minimum. I am a 19 year customer of Chase (Credit only, not banking). In the past 16 months, they have approved me for 5 new cards and ALL FIVE were SINGLE pulls with EX. According to MyFico thread on Which Banks Pull Which Bureaus, others have had mixed results. Nobody reported 3 pulls like Capital One does; two was the most I’ve seen.
At at one time, apparently 5/24 did not apply to all cards so you may see outdated comments online about that. They have tightened the policy and it appears to apply to all their card apps now.
Chase always pulls two, EX and usually EQ, but it can vary based on location. Whether or not the second pull is hard or soft is the question. If you pull your annual report, it will show the soft pulls. Amex is the same way. For my Delta Gold, they pulled EX and TU. Others have reported when pulling their reports that amex pulled a hard EX and soft TU. Things may have changed since I left Chase, but last I heard (within the last year), it's still policy to pull 2 bureaus. If they truly only pulled EX, because you already have a history with them, then your approvals are based on your CARS (Credit Acquisition Risk Score; internal scoring). But I can almost guarantee they also soft pulled EQ.
@Brian_Earl_Spilner wrote:
@Aim_High wrote:
@CreditInspired wrote:
@TruFlavor wrote:
I am looking to apply for the Amazon credit card by Chase.
I’m curious as to whether or not the 5/24 rule applies to chase co-branded accounts
Do they pull from all 3 bureaus?Chase loves HPs and will definitely pull 2, sometimes 3.
Chase does not always pull more than one bureau, but they seem to for new customers or thinner files. It appears they do always pull EX as a minimum. I am a 19 year customer of Chase (Credit only, not banking). In the past 16 months, they have approved me for 5 new cards and ALL FIVE were SINGLE pulls with EX. According to MyFico thread on Which Banks Pull Which Bureaus, others have had mixed results. Nobody reported 3 pulls like Capital One does; two was the most I’ve seen.
At at one time, apparently 5/24 did not apply to all cards so you may see outdated comments online about that. They have tightened the policy and it appears to apply to all their card apps now.
Chase always pulls two, EX and usually EQ, but it can vary based on location. Whether or not the second pull is hard or soft is the question. If you pull your annual report, it will show the soft pulls. Amex is the same way. For my Delta Gold, they pulled EX and TU. Others have reported when pulling their reports that amex pulled a hard EX and soft TU. Things may have changed since I left Chase, but last I heard (within the last year), it's still policy to pull 2 bureaus. If they truly only pulled EX, because you already have a history with them, then your approvals are based on your CARS (Credit Acquisition Risk Score; internal scoring). But I can almost guarantee they also soft pulled EQ.
I did not look into soft pulls so that may be the case, but my understanding is MyFicoers were reporting two hard pulls were always normal. That is definitely not the case, as my experience shows. But it seems to me that when we are talking about pulls on MyFico, most members mix that term with inquiries (or hard pulls). If we talk about both hard and soft pulls on apps, I think it over complicates the discussion. I don’t really care if they soft pull the others. It has no score impact for me in the future and I have nothing to hide. My reports are all similar.
@Brian_Earl_Spilner wrote:Things may have changed since I left Chase, but last I heard (within the last year), it's still policy to pull 2 bureaus.
Did you leave Chase as a customer or did you work for them?
@Aim_High wrote:
@CreditInspired wrote:
@TruFlavor wrote:
I am looking to apply for the Amazon credit card by Chase.
I’m curious as to whether or not the 5/24 rule applies to chase co-branded accounts
Do they pull from all 3 bureaus?Chase loves HPs and will definitely pull 2, sometimes 3.
Chase does not always pull more than one bureau, but they seem to for new customers or thinner files. It appears they do always pull EX as a minimum. I am a 19 year customer of Chase (Credit only, not banking). In the past 16 months, they have approved me for 5 new cards and ALL FIVE were SINGLE pulls with EX. According to MyFico thread on Which Banks Pull Which Bureaus, others have had mixed results. Nobody reported 3 pulls like Capital One does; two was the most I’ve seen.
At at one time, apparently 5/24 did not apply to all cards so you may see outdated comments online about that. They have tightened the policy and it appears to apply to all their card apps now.
I've gotten 3 cards from Chase, and a single pull with EX was my experience as well.
(1 hard pull. I would have had no way of knowing if there had been a soft pull).
Public service comment, the people on this thread referring to Chase doing double pulls are talking about one hard pull and one soft pull. You will not see an alert for a soft pull show up on your credit monitoring, and it doesn't matter anyway, so in effect, it's just one pull.
@Aim_High wrote:
@Brian_Earl_Spilner wrote:
@Aim_High wrote:
@CreditInspired wrote:
@TruFlavor wrote:
I am looking to apply for the Amazon credit card by Chase.
I’m curious as to whether or not the 5/24 rule applies to chase co-branded accounts
Do they pull from all 3 bureaus?Chase loves HPs and will definitely pull 2, sometimes 3.
Chase does not always pull more than one bureau, but they seem to for new customers or thinner files. It appears they do always pull EX as a minimum. I am a 19 year customer of Chase (Credit only, not banking). In the past 16 months, they have approved me for 5 new cards and ALL FIVE were SINGLE pulls with EX. According to MyFico thread on Which Banks Pull Which Bureaus, others have had mixed results. Nobody reported 3 pulls like Capital One does; two was the most I’ve seen.
At at one time, apparently 5/24 did not apply to all cards so you may see outdated comments online about that. They have tightened the policy and it appears to apply to all their card apps now.
Chase always pulls two, EX and usually EQ, but it can vary based on location. Whether or not the second pull is hard or soft is the question. If you pull your annual report, it will show the soft pulls. Amex is the same way. For my Delta Gold, they pulled EX and TU. Others have reported when pulling their reports that amex pulled a hard EX and soft TU. Things may have changed since I left Chase, but last I heard (within the last year), it's still policy to pull 2 bureaus. If they truly only pulled EX, because you already have a history with them, then your approvals are based on your CARS (Credit Acquisition Risk Score; internal scoring). But I can almost guarantee they also soft pulled EQ.
I did not look into soft pulls so that may be the case, but my understanding is MyFicoers were reporting two hard pulls were always normal. That is definitely not the case, as my experience shows. But it seems to me that when we are talking about pulls on MyFico, most members mix that term with inquiries (or hard pulls). If we talk about both hard and soft pulls on apps, I think it over complicates the discussion. I don’t really care if they soft pull the others. It has no score impact for me in the future and I have nothing to hide. My reports are all similar.
No, 2 HP are not required for approval. You can definitely get approved with a single EX HP, but Chase policy is to pull 2 reports for applications, so there's an SP somewhere if you only got 1 HP. Like you said, it really doesn't matter because nobody but you will see it, if you even bother looking.
I used to work for Chase and still talk to my old co-workers that still work there. That's why I said I just confirmed within the last year that pulling 2 reports is still policy.
