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Silly question but here goes

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percy81
Frequent Contributor

Silly question but here goes

Okay, this has probably never been asked, if you have a chase freedom and chase checking and savings, can the chase freedom reps see what i have in my checking and savings account??Smiley Embarassed  One more thing, when you calll chase freedom to inquire about cli or bt etc, do they automatically see that you also have savings/checking with them, making them more inclined to help you better?

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 34,000/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 20,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 1 of 6
5 REPLIES 5
vanillabean
Valued Contributor

Re: Silly question but here goes

It would surprise me if there isn't a connection, be it direct or indirect, between bank accounts and credit card accounts. I keep my various accounts independent of each other to avoid that one is being leveraged against another.

My bank is for checking and savings only, along with a debit card. The mortgage is another bank. The retirement account is yet another company. The car installment loan is with dealer's finance department. I don't use any financial services of Amex and Discover, just as the banks associated with my Visas and MasterCard stay at just that.

The credit report data show all of the credit, but exclude bank accounts and income. I also don't use my bank's bill pay or any other such centralized service, but the automated setup of each respective account, including utility bills. It's the opposite at home. Fully shared household finances for bank and credit. It boils down whom you trust the most. Your banks or your family. Smiley Surprised Smiley Very Happy

Message 2 of 6
RobertEG
Legendary Contributor

Re: Silly question but here goes

1. Yes, they can review internal information from their associated accounts.

2.  Not necessarily automatic, but I would presume that any major creditor routinely reviews your prior history with them, looking, if for nothing else, unpaid delinquent debt, prior charge-offs, collections, etc.  Being capitalists, I would also presume that your overall profitability to them would be a factor.

Message 3 of 6
percy81
Frequent Contributor

Re: Silly question but here goes

Thank you for the responsesSmiley Happy

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 34,000/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 20,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 4 of 6
webhopper
Moderator Emeritus

Re: Silly question but here goes

Chase does consider your checking and savings history when deciding whether to approve an account. When I called to recon my chase amazon card they asked questions about why I closed my business checking account with them. I was honest and told them it was the business checking monthly fee that didn't make sense for me
FICO 8:
Goal: Gardening!
Message 5 of 6
jake619
Frequent Contributor

Re: Silly question but here goes


@Anonymous-own-fico wrote:

It would surprise me if there isn't a connection, be it direct or indirect, between bank accounts and credit card accounts. I keep my various accounts independent of each other to avoid that one is being leveraged against another.

My bank is for checking and savings only, along with a debit card. The mortgage is another bank. The retirement account is yet another company. The car installment loan is with dealer's finance department. I don't use any financial services of Amex and Discover, just as the banks associated with my Visas and MasterCard stay at just that.

The credit report data show all of the credit, but exclude bank accounts and income. I also don't use my bank's bill pay or any other such centralized service, but the automated setup of each respective account, including utility bills. It's the opposite at home. Fully shared household finances for bank and credit. It boils down whom you trust the most. Your banks or your family. Smiley Surprised Smiley Very Happy


FWIW, you have very little control of this.  Mortgage loans are sold and resold behind the scenes.  You're basically told it happened and who to pay going forward.  They don't ask if it's OK either.

Message 6 of 6
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