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So Chase is softing me?

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MamboItaliano
Frequent Contributor

So Chase is softing me?

So during my app-spree insanity in mid-June, I got a Chase Freedom for 9k. Now they're softing me. Is that normal? I expected it from Amex (and they are), but is it pretty typical for Chase to do account reviews that quick?

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


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Message 1 of 27
26 REPLIES 26
SnackTrader
Valued Contributor

Re: So Chase is softing me?

I've seen SPs from Chase almost every month.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 2 of 27
MamboItaliano
Frequent Contributor

Re: So Chase is softing me?

I didn't know they did that. Interdasting. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


Take the FICO Fitness Challenge
Message 3 of 27
enharu
Super Contributor

Re: So Chase is softing me?

All lenders usually will soft pull you at least once a month if you have no established relationship with them. After some time has passed, they will soft pull less, maybe once every 3-6 months.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 4 of 27
kilj0y
Regular Contributor

Re: So Chase is softing me?

After I got approved for a CSP, chase started softing me right away, soon afterwards my mailbox was being bombarded with Freedom offers and Slate offers. They could be reviewing you or looking to market to you.
Message 5 of 27
09Lexie
Moderator Emerita

Re: So Chase is softing me?

Chase SPd me 4-5 times the first 6 weeks. Now it's once in awhile.
Message 6 of 27
Mailak
Frequent Contributor

Re: So Chase is softing me?

Weird... I had my 3rd CSP statement cut... they haven't softed me once after approval. They did soft pull a month before approval, ha.

PenFed Platinum Cash Rewards (19.5k), Amex BCE (9k), Chase Sapphire Reserve (30k), Chase Freedom Unlimited (14.5k), Chase Marriott Premier (19k), Discover More (10k)
Message 7 of 27
Pilotdude
Established Contributor

Re: So Chase is softing me?

Chase is freaky.  They like to peek up folks skirts n' stuff.

Smiley Surprised


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 8 of 27
FinStar
Moderator Emeritus

Re: So Chase is softing me?


@Pilotdude wrote:

Chase is freaky.  They like to peek up folks skirts n' stuff.

Smiley Surprised


LMAO!!!

 

As others have posted, the SPs are just part of their routine ARs (the more accounts one has with them, the more SPs one would see); and for some who have no Chase relationship yet, possibly a future PRM or solicitation offer.

Message 9 of 27
JonStur
Established Contributor

Re: So Chase is softing me?

Now I'm curious, I'll have to check and see. I know they have been mailbox bombing me with Slate and CSP offers. THe CSP is tempting as hell but I'm staying in the garden!!!


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 10 of 27
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