@lg8302ch wrote:
@Anonymous wrote:most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.
For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.
Uups...So I think I should postpone my mission to try to lower APR and upgrade to a siggy on my Freedom....well 1/3 of my pulls are Chase pulls due their "loving" double pull strategy
Same boat . Double pull ALWAYS
But they approved all my 3 cards within 45 days, no recon. So can't really blame them
@newUser0 wrote:
@lg8302ch wrote:
@Anonymous wrote:most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.
For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.
Uups...So I think I should postpone my mission to try to lower APR and upgrade to a siggy on my Freedom....well 1/3 of my pulls are Chase pulls due their "loving" double pull strategy
Same boat . Double pull ALWAYS
wonder if on manual review our double pulls get some small benefit over pulls from different lenders? at least Chase does not need to come with the excuse "too many inq" ..it's pretty much all from them...LOL...will test Barclays in June and see how that will go with my inq...nothing to fall of unfortunately..will just make it 6 on each !
@newUser0 wrote:But they approved all my 3 cards within 45 days, no recon. So can't really blame them
Approved mine too but my first the Freedom was with 22,99%APR...that is insane with a 793 EQ at that time....the 2nd all the sudden got me 16K starting limit...so my internal score must have improved I guess 
@lg8302ch wrote:
@newUser0 wrote:
@lg8302ch wrote:
@Anonymous wrote:most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.
For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.
Uups...So I think I should postpone my mission to try to lower APR and upgrade to a siggy on my Freedom....well 1/3 of my pulls are Chase pulls due their "loving" double pull strategy
Same boat . Double pull ALWAYS
wonder if on manual review our double pulls get some small benefit over pulls from different lenders? at least Chase does not need to come with the excuse "too many inq" ..it's pretty much all from them...LOL...will test Barclays in June and see how that will go with my inq...nothing to fall of unfortunately..will just make it 6 on each !
I was almost about to ask, why double pull always, when I called to check the status of CSP.
Don't know, how long we both will be flagged for double pull. Many still (Newbies too) are getting Freedom for one pull
@Anonymous wrote:
@newUser0 wrote:Wow!! was that instant approval?
Me again? Yeah, all four were instant approvals. I was pretty freaking surprised, especially because Chase gets so weird about inquiries.
Cool!! What are your other 3 chase cards? Not in Siggy
@lg8302ch wrote:
@newUser0 wrote:But they approved all my 3 cards within 45 days, no recon. So can't really blame them
Approved mine too but my first the Freedom was with 22,99%APR...that is insane with a 793 EQ at that time....the 2nd all the sudden got me 16K starting limit...so my internal score must have improved I guess
I was always in $5K mode.. Lol!!
May be we have BIG income difference, I suppose...
@newUser0 wrote:
@Anonymous wrote:
@newUser0 wrote:Wow!! was that instant approval?
Me again? Yeah, all four were instant approvals. I was pretty freaking surprised, especially because Chase gets so weird about inquiries.
Cool!! What are your other 3 chase cards? Not in Siggy
Well I had a Sapphire and Freedom that I combined under the Preferred. Kind of sick of having so many accounts with them. The four I applied for over the weekend were instant approvals; AMEX GP, CSP, Citi TYP, and the dopey AE one. They were very generous with me after my three month hiatus!
But now I want that new AMEX credit card... grrrr