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All scores are 740+ due to excellent payment history and low usage. AAoA is around 7 months oldest being 13 months old. 1 enquiry on each CB in last 6 months.
I have a checking account with chase and get tons of pre-approved offers for Freedom. I am confident that I will get CSP as well if I apply.
Question is can they use 1 credit pull to approve me for 2 cards? I dont want to waste enquiries as I want to take a auto loan at the end of the year so saving enquiries for that. Also, I have heard Chase pulls EQ and EX both for applications. 4
Will going in the branch help?
They will not use the same inquiry for both cards. Each one will be a new pull.
For what bureau(s), it is YMMV. They may pull just one or multiple. They pulled EX and TU when I got my freedom.
@JKXX wrote:They will not use the same inquiry for both cards. Each one will be a new pull.
For what bureau(s), it is YMMV. They may pull just one or multiple. They pulled EX and TU when I got my freedom.
Not even for Chase customers? What if I go to a branch and apply/? Can this be done?
Comments would be welcome.
Which CB they pull is a YMMV situation. For your instance, assume you apply both Freedom and CSP today.
If they pull EX for both cards, sometimes, It would be possible that EX may consider the other HP as duplicate and may remove it.
Few catchs here are as follows
1. Chase Pulls CB with different names such as JP Morgan, Chase Credit Cards, First USA, etc. If they pull EX twice with different brand names then those HP will gonna stay.
2. If they use the same Brand to Pull EX, then you have high chances that one of the HP may be removed as duplicate.