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Chase Credit Card SL and HP Policies 2020

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Established Member

Chase Credit Card SL and HP Policies 2020

Hi everyone,

 

I searched the forums for an answer to my question but the threads were significantly outdated. As we know, policies can often change and I wanted to provide an answer to others in case they were searching. I applied for the Chase Sapphire Preferred today for their new sign-up bonus. After being approved, I called in for a manual review to increase the SL. As it turns out, Chase is still difficult in their processes. After a handful of reps (through the backdoor numbers), I was able to confirm requesting a larger SL for an approved card is a separate application and another HP, even for same day applications. To Chase, this application is the same as if you were requesting it six months later.

 

Hope this helps for anyone looking in the future Smiley Happy.

Message 1 of 10
9 REPLIES 9
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Moderator

Re: Chase Credit Card SL and HP Policies 2020

Always been like that when seeking additional credit from Chase.

The only exception might be a recon when card is denied, but there have been instances where they wanted to pull again for the same purpose. 

 

If you applied for a card or increase hourly, they would pull hourly. 

 

In fact, Chase might do a HP if you're parked in front of the branch for too long. 

Message 2 of 10
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Mega Contributor

Re: Chase Credit Card SL and HP Policies 2020


@Remedios wrote:

Always been like that when seeking additional credit from Chase.

The only exception might be a recon when card is denied, but there have been instances where they wanted to pull again for the same purpose. 

 

If you applied for a card or increase hourly, they would pull hourly. 

 

In fact, Chase might do a HP if you're parked in front of the branch for too long. 


And if you are parked anywhere else, probably credit seeking or something, so better do an HP.

Message 3 of 10
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Established Member

Re: Chase Credit Card SL and HP Policies 2020

I heard that if you think about Chase credit cards for too long, you receive a HP Smiley Very Happy

Message 4 of 10
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Moderator

Re: Chase Credit Card SL and HP Policies 2020


@longtimelurker wrote:

@Remedios wrote:

Always been like that when seeking additional credit from Chase.

The only exception might be a recon when card is denied, but there have been instances where they wanted to pull again for the same purpose. 

 

If you applied for a card or increase hourly, they would pull hourly. 

 

In fact, Chase might do a HP if you're parked in front of the branch for too long. 


And if you are parked anywhere else, probably credit seeking or something, so better do an HP.


AFAIK those are still SPs.  Weekly.  On all 3 bureaus.

Message 5 of 10
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Community Leader
Mega Contributor

Re: Chase Credit Card SL and HP Policies 2020

I got an HP from chase for just looking in this thread.







Message 6 of 10
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Established Contributor

Re: Chase Credit Card SL and HP Policies 2020


@Brian_Earl_Spilner wrote:

I got an HP from chase for just looking in this thread.


Double HP for me. Smiley Sad


Message 7 of 10
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Community Leader
Mega Contributor

Re: Chase Credit Card SL and HP Policies 2020


@Slabenstein wrote:

@Brian_Earl_Spilner wrote:

I got an HP from chase for just looking in this thread.


Double HP for me. Smiley Sad


Should have waited until you had the check marks.







Message 8 of 10
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Valued Contributor

Re: Chase Credit Card SL and HP Policies 2020


@Brian_Earl_Spilner wrote:

I got an HP from chase for just looking in this thread.


THIS!!!!!!!!!!!!  HAHAHAHAHAHA

Message 9 of 10
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Contributor

Re: Chase Credit Card SL and HP Policies 2020

Then they will deny you for too many inquiries in the same day  Smiley Very Happy


Message 10 of 10
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