Question about Chase 2-Card Denial

[Anonymous]

So, I applied for the CSP last night... probably against my best wishes (I was/am in the garden!). Well, I was declined, and when I called to recon, the gentleman said that it's because I've recently been approved for two Chase cards and there was a "maximum" amount of Chase cards within a two month period. I tried to recon again, and got the same answer, and the guy suggested I build history with them (which, thanks to this forum, I know very well what he speaks of). 

Interestingly enough, I didn't get an alert on CS nor on my AMEX Credit Secure for my Experian report. I think they didn't even pull the report, b/c the system recognized that and declined it before they could pull it. I am not going to try my luck again and recon, since I don't want the HP, and I'm going to cut my losses. But my question -- is this a possibility? This has happened before... when I apped for the Freedom, a couple of weeks after the Chase Amazon Visa, they used the same report to approve me -- they didn't pull another. 

What say you? 

[Anonymous]

That's interesting you got a 2 card denial.  I app'd for a Freedom and CSP in the same day, then 2 weeks later app'd for the United Mileageplus.  I think the Freedom/CSP was on the same pull, but the United was a separate.  I was approved for all 3, but i wonder if that's because the United is a co-branded card?

[Anonymous]

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@Anonymous wrote:

That's interesting you got a 2 card denial.  I app'd for a Freedom and CSP in the same day, then 2 weeks later app'd for the United Mileageplus.  I think the Freedom/CSP was on the same pull, but the United was a separate.  I was approved for all 3, but i wonder if that's because the United is a co-branded card?

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Yup. The guy even said that it wasn't a reflection of my creditworthiness, but rather that internal policy.

[Laugh]

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@Anonymous wrote:

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@Anonymous wrote:

That's interesting you got a 2 card denial.  I app'd for a Freedom and CSP in the same day, then 2 weeks later app'd for the United Mileageplus.  I think the Freedom/CSP was on the same pull, but the United was a separate.  I was approved for all 3, but i wonder if that's because the United is a co-branded card?

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Yup. The guy even said that it wasn't a reflection of my creditworthiness, but rather that internal policy.

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The amazon visa is also co-branded, no?

[Anonymous]

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@Laugh wrote:

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@Anonymous wrote:

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@Anonymous wrote:

That's interesting you got a 2 card denial.  I app'd for a Freedom and CSP in the same day, then 2 weeks later app'd for the United Mileageplus.  I think the Freedom/CSP was on the same pull, but the United was a separate.  I was approved for all 3, but i wonder if that's because the United is a co-branded card?

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Yup. The guy even said that it wasn't a reflection of my creditworthiness, but rather that internal policy.

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The amazon visa is also co-branded, no?

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Yeah, it is, which is why it's weird... if I had a chance I would recon, but not sure on my odds at this point.

[Anonymous]

It may be their policy based on no prior relationship with them. If you didn't get a HP (You may want to check your other two reports besides experian to make sure) than you should just wait 6 months and apply. Would probably get you a higher beginning CL than reconning now would. 

[Anonymous]

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@Anonymous wrote:

It may be their policy based on no prior relationship with them. If you didn't get a HP (You may want to check your other two reports besides experian to make sure) than you should just wait 6 months and apply. Would probably get you a higher beginning CL than reconning now would. 

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Yeah, that's what I'm thinking. I was in the garden already, anyways, LOL.

[Anonymous]

HPs show up immediately, right?

[HiLine]

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@Anonymous wrote:

HPs show up immediately, right?

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Usually within a day.

[Anonymous]

HP shows up immediately with the CRAs, but can take up to 72 hours (or longer for certain services) to show up on credit monitoring services.